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How to Plan a Road Trip Without Losing Your Mind (or Cents)

living simply fabulous road trip

Road trips are one of the best ways to explore new places, make lasting memories, and embark on a spontaneous adventure. But, as exciting as they can be, proper planning is essential to ensure that the journey is not only fun but also safe and cost-effective. Whether you’re driving solo, with friends, or family, taking the time to prepare can make a significant difference in the quality of your trip. In this blog post, we’ll provide you with 10 essential tips on how to have a safe, budget-friendly, and fun road trip.

1. Plan Your Route (But Be Flexible)

The Importance of Route Planning:
One of the first steps in preparing for a road trip is planning your route. Research the destinations you want to visit, the attractions along the way, and any scenic routes that could make the drive more enjoyable. GPS apps like Google Maps or Waze are excellent tools for mapping out your journey and providing real-time traffic updates.

However, while planning is important, you should also leave room for flexibility. Some of the best road trip memories are often unplanned — like discovering a quirky roadside attraction or a beautiful viewpoint you hadn’t known existed. Having a general route in mind will prevent you from getting lost, but leaving room for spontaneity will keep the trip exciting.

Budget Tip:
Use apps like Roadtrippers to map out gas stations, affordable accommodations, and restaurants to stay within your budget. By knowing where cheaper alternatives are, you can avoid costly detours.

2. Perform a Pre-Trip Car Check

Car Maintenance is Non-Negotiable:
Before hitting the road, it’s crucial to ensure that your vehicle is in top shape. A breakdown in the middle of nowhere can turn a dream road trip into a nightmare. Here are some key car maintenance checks to perform before you start:

  • Oil and Fluid Levels: Check the oil, coolant, brake fluid, and windshield washer fluid. Top up or replace as necessary.
  • Tire Condition: Ensure tires have adequate tread and are properly inflated. Don’t forget to check your spare tire, too!
  • Battery and Lights: Test your car’s battery, headlights, brake lights, and turn signals to avoid any unexpected problems.
  • Brakes: If your brakes are squealing or not responding as well as they used to, get them checked by a mechanic.

By taking the time to perform a car check-up, you not only increase the chances of a smooth trip but also avoid costly repairs on the road.

Budget Tip:
Make sure to get your car serviced by a local mechanic before you hit the road. This can save you money versus being forced to seek emergency assistance in unfamiliar and possibly more expensive locations.

3. Pack Smart and Light

Prioritize Essentials:
While it may be tempting to pack everything you own, less is more when it comes to road trips. Focus on the essentials — items you will need every day or in case of an emergency. Overpacking can reduce fuel efficiency, and a cluttered car makes for a less comfortable ride.

Here are some packing essentials:

  • First-Aid Kit: Include band-aids, antiseptics, pain relievers, and any prescription medications. Try this first-aid kit.
  • Car Emergency Kit: Carry jumper cables, a flashlight, extra batteries, a tire repair kit, and a portable phone charger.
  • Comfort Items: Neck pillows, blankets, and reusable water bottles for hydration.
  • Entertainment: Audiobooks, music playlists, or downloaded movies can be lifesavers on long stretches of highway.

Budget Tip:
Buy snacks and drinks in bulk from grocery stores before you start your trip. This is much cheaper than purchasing food at gas stations or touristy rest stops. Keep a small cooler in the car for perishables, and refill water bottles at rest stops.

4. Budget Your Trip and Track Expenses

Set Financial Limits:
To avoid overspending, set a clear budget for your road trip. Identify key areas where you’ll spend money, such as gas, food, accommodation, and attractions. Use budgeting apps like Trail Wallet or Splitwise to track your expenses throughout the journey. This will help you stay on track and avoid any unpleasant surprises at the end of the trip.

Save on Accommodation:
Instead of staying at expensive hotels every night, consider more budget-friendly options like:

  • Camping: Campsites can be fun, adventurous, and affordable. Some public lands even offer free dispersed camping.
  • Hostels or Airbnb: If you’re not a fan of camping, budget-friendly motels or Airbnb rentals can be a cheaper alternative to traditional hotels.
  • Stay with Friends or Family: If your route passes through areas where you have friends or family, ask if you can stay with them for a night or two.

Budget Tip:
To save even more on accommodation, look for deals on booking apps like Hotels.com or Expedia. Many of these platforms offer last-minute discounts or rewards programs that can help you save a few dollars.

5. Be Fuel-Efficient

Save on Gas:
Gas is likely one of the biggest expenses on your road trip. To minimize costs, practice fuel-efficient driving techniques:

  • Maintain a Steady Speed: Avoid rapid acceleration and braking, as it uses more fuel. Cruise control can help maintain a consistent speed on highways.
  • Reduce Drag: Take off any unnecessary rooftop cargo racks or bike mounts to reduce wind resistance.
  • Lighten Your Load: The heavier your car, the more fuel it consumes. By packing light, you’ll improve your gas mileage.
  • Choose Fuel-Efficient Routes: Apps like GasBuddy can help you find the cheapest gas stations along your route. Some loyalty programs, like those offered by certain gas stations, can also save you a few cents per gallon.

Budget Tip:
Plan your gas stops in states or regions where fuel prices are lower. Gas prices can vary dramatically depending on location, so research ahead of time to avoid paying higher prices unnecessarily.

6. Make Safety a Priority

Be Prepared for the Unexpected:
Road trips can be unpredictable, and safety should always be your top priority. Here are some ways to ensure you stay safe on the road:

  • Take Breaks: Driving for long periods can lead to fatigue, which is dangerous. Take breaks every two to three hours to stretch your legs and rest.
  • Share the Driving: If traveling with friends or family, rotate drivers to avoid burnout.
  • Know Emergency Contacts: Keep a list of emergency contacts, including roadside assistance numbers, local hospitals, and your insurance company.
  • Keep Valuables Hidden: Store important items like wallets, electronics, and travel documents out of sight to avoid theft when stopping at rest areas or restaurants.

Safety Tip:
Before your trip, sign up for roadside assistance programs like AAA or check if your car insurance provider offers similar services. This can be a lifesaver if you run into car trouble.

7. Embrace Free and Low-Cost Activities

Find Budget-Friendly Fun:
Just because you’re on a budget doesn’t mean you can’t have fun. Many activities and attractions are free or low-cost. Here are some ways to have a blast without breaking the bank:

  • State and National Parks: Most parks have a small entry fee, but they offer stunning landscapes and plenty of outdoor activities like hiking, picnicking, or birdwatching.
  • City Parks and Festivals: Check out local parks, fairs, and free events in the cities you pass through. Community calendars often list festivals, farmers’ markets, and free concerts.
  • Self-Guided Tours: Many cities have free walking tours or self-guided audio tours that provide interesting information about the area’s history and landmarks.

Budget Tip:
Look for discount passes if you plan to visit several attractions in one area. City passes or national park passes can offer savings compared to paying individual entry fees.

8. Stay Connected, But Disconnect When Needed

Technology is Your Friend:
Your smartphone can be a valuable tool on your road trip. It can help with navigation, finding food, making reservations, or even streaming music. Download key apps like:

  • Offline Maps: Download Google Maps for offline use in areas with poor reception.
  • Navigation Apps: Waze or Google Maps can help you find the best routes and avoid traffic or road closures.
  • Entertainment Apps: Spotify or Apple Music are great for creating road trip playlists, while Netflix or Amazon Prime Video can provide entertainment during downtime.

Unplug for the Experience:
That said, it’s equally important to disconnect at times to truly appreciate the journey. Take in the views, have conversations with your fellow travelers, and embrace the peace and quiet of the open road.

Safety Tip:
Avoid texting and driving. Use hands-free technology if you need to make calls or send messages, or let a passenger handle your phone.

9. Take Care of Your Body

Road Trip Wellness:
Sitting for long hours in the car can take a toll on your body, so it’s essential to prioritize your health. Stay hydrated, eat balanced meals, and take short breaks to stretch or walk around. Here are some health-conscious road trip tips:

  • Hydrate: Keep a reusable water bottle handy, and try to drink water regularly throughout the day. These hydration packets are my go-to for every trip.
  • Healthy Snacks: Opt for nutritious snacks like fruits, nuts, and whole-grain crackers instead of sugary or processed foods.
  • Stretch: Take frequent breaks to stretch your legs, back, and neck. Long drives can cause stiffness, and stretching can help prevent discomfort.
  • Sleep: Don’t compromise on sleep. If you’re tired, switch drivers or stop for the night. Driving while tired is just as dangerous as driving under the influence.

Budget Tip:
Instead of dining out at every meal, pack a cooler with healthy food options like sandwiches, fruits, and salads. This will save you money and help you avoid the temptation of fast food.

10. Capture the Moments

Document Your Adventure:
Road trips create unforgettable memories, and you’ll want to capture them! Take photos of the scenery, interesting stops, and candid moments with your travel companions. If you enjoy journaling, keep a travel log of your experiences — from the quirky roadside diners to the breathtaking sunsets you encounter.

Technology Tip:
Bring a portable power bank to keep your phone and camera charged so you never miss a moment. You can also use travel apps like Day One or Journey to create a digital travel diary.

Conclusion

A successful road trip doesn’t have to be expensive or overly planned, but it requires some foresight to ensure it’s safe, budget-friendly, and fun. By following these 10 tips, you’ll be well on your way to a smooth and enjoyable adventure on the open road. So, buckle up, hit the gas, and enjoy the journey!

Life/

Money Mistakes Women Make that Keep Them Earning Less Than Men

It’s a well-known fact, yet still frequently dismissed, that women earn approximately 79 cents for every dollar earned by men. This persistent wage gap is undeniably rooted in workplace discrimination, where women are often overlooked for promotions and raises compared to their male counterparts, despite having similar education and experience. While systemic change through legislation and shifts in societal behavior will take time, there are immediate, actionable steps that women can take to enhance their financial stability and work towards closing this gap.

The Persistent Wage Gap

Despite progress in many areas, pay inequity persists due to ongoing discrimination against women in the workforce. This inequality extends beyond just salaries, influencing promotions, job security, and the professional respect afforded to women. As we work towards broader societal and legislative changes, women must adopt personal strategies to mitigate these challenges.

Empowering Financial Decisions

In recent years, women have gained more control over their finances and are increasingly responsible for major economic decisions. This shift brings an empowering opportunity to directly influence their financial health and long-term security. By making informed and strategic decisions, women can build wealth and avoid the pitfalls of debt.

Personal Financial Empowerment

As a single mother and the primary financial decision-maker in my household, I experienced firsthand the power and pitfalls of managing family finances. I learned through both successes and significant mistakes, like quitting a well-paying job without a backup plan and unintentionally renting my home to professional squatters. These experiences, though extreme, are not uncommon. Many women find themselves in precarious financial situations due to similar errors in judgment.

Common Financial Mistakes Made by Women

Pausing Careers for Motherhood

Often, women are the ones who opt to pause their careers to raise children, influenced by the wage gap that typically sees their husbands earning more. This decision, while sometimes economically rational when considering childcare costs against income, frequently overlooks the long-term impacts such as lost wages, missed promotions, retirement savings, and employer contributions to 401(k) plans.

Taking Care of Family Members

Women frequently assume the role of caregiver, not only for children but also for elderly family members. This responsibility can lead to reduced working hours or even career breaks, which significantly impact their financial independence and career growth.

Relinquishing Financial Control

Traditionally, men handled household finances, but today, it is imperative for women to be equally involved. Unfortunately, many women are still not actively participating in their household financial decisions, which can lead to a lack of preparedness in cases of divorce or the spouse’s death.

Not Negotiating Salaries

Women often hesitate to ask for raises or promotions, possibly due to ingrained societal norms or lack of confidence in negotiation settings. This reluctance can further widen the wage gap between them and their male colleagues.

Succumbing to Financial Pressures

Women sometimes extend financial help to family or friends, jeopardizing their own financial stability. This generosity, though admirable, can often delay or diminish their financial goals and retirement plans.

Strategies to Overcome Financial Challenges

To counter these financial setbacks, women can adopt several strategies to assert more control over their finances and future:

  • Educate and Advocate: Become financially literate to manage and negotiate your finances confidently.
  • Invest in Long-term Care Insurance: Prepare for potential caregiving needs without compromising your financial health.
  • Seek Professional Advice: Consult with financial advisors to create robust financial plans that accommodate career breaks.
  • Explore Alternative Income Streams: Consider side hustles or passive income opportunities to buffer against economic downturns or job losses.

While the road to financial equality remains long, by understanding and addressing these common financial missteps, women can take significant strides towards securing their financial future. It’s not just about making up for income disparities but also about empowering women to take complete control of their financial journeys. Every step taken is a step towards diminishing the wage gap and enhancing economic security for women everywhere.

Saving Money/

Amazon Prime Day is Baaaaaaack!!!

Amazon Prime Day

It’s not too late to sign up for a free trial of Amazon Prime, right in time for Prime Day. Amazon Prime Day will start at 3:00 PM on July 16, 2018.  Now is a great time to be a Prime member. On Prime Day, members can expect to see exclusive deals on many of their products.

 

What is Prime Day

Amazon uses this time to offer exclusive deals on many of their products. Think Black Friday deals, but only for Amazon Prime members.

Amazon rolls out their bestest (is that a word?) deals in July for their members. For 36 hours, they’ll have the chance to snatch deals that won’t be seen for awhile…

Which means you must be a Prime member (why aren’t you already) in order to be eligible to buy these deals. This year, Prime Day will be held from July 16 – 17.

Benefits of an Amazon Prime Membership

I have been a Prime member for years and find enormous value in the membership. I love not having to pay for 2-day shipping and shopping on Amazon saves me a lot of time. It also saves me a lot of money, because not only am I saving on gas and shipping, but I’m also able to compare and cross-check prices – right from my phone.

Related Post: 25 Easy Ways to Save More Money

A few other benefits of becoming an Amazon Prime member:

  • Prime Video – unlimited streaming of the hottest movies and TV, including Prime Original Series The Marvelous Mrs. Maisel and Sneaky Pete
  • Music – streaming of the hottest tunes
  • Kindle Lending Library – borrow a Kindle book each month for free
  • Free same-day delivery (available in most areas)
  • Prime Now – receive deliveries within 2-hours
  • Unlimited photo storage (comes in handy)
  • Discount at Whole Foods…
  • And much, much more.

It makes the $119 a year price tag bearable and affordable.

 

Sign Up For a 30-Day Trial of Amazon Prime

To participate in Prime Day, you will definitely need a membership.

Don’t have one?

No need to worry. You can sign up for their 30-day trial Prime membership, just in time for Prime Day.

Get a FREE $10 Credit

Once you sign up for a Prime membership, you should download their app to your phone.

Not only is it highly convenient (it has stopped me from making many expensive impulse buys in the store), but if you download the app you will get a $10 credit to use just in time for Prime Day.

Want to earn FREE Amazon gift cards? Sign up for Swagbucks, where you can earn points (they call them Swagbucks) from watching videos, playing games, completing surveys, shopping and more! It’s free to sign up and you can apply what you earn to gift cards.

Another bonus: If you sign up for Swagbucks FIRST and THEN sign up for Amazon Prime through their link, you’ll receive a $15 shopping credit! That’s now $25 you can put towards any of the deals on Prime Day.

 

Deals to Expect

It’s Amazon, so you can definitely expect to save big on their devices. If you have been eyeing that Echo Show, you’ll save $100 up to Prime Day.

  • Save up to 30% off of Alexa enabled devices (you can never have enough Echo Dots through the house) and everyday essentials.
  • Receive a $10 credit when you make a purchase from Whole Foods.
  • Discounts up to and beyond 10% off of furniture, clothes, and products that will launch for the first time on Prime Day.

Amazon can send you a notification if you add an item to your watch list before that item is available. They’ll let you know via email or their app when the product is available to purchase.

Sign up for Amazon Prime – just in time for Prime Day.

Saving Money/

Money Mistakes We Make That Get Us In Trouble

budget-tips

Like most people, you’re probably up to your eyeballs in debt.

Whether it’s credit card, housing, or student loans, we as a nation have a problem. According to Nerd Wallet, Americans on average are over $130,000 in debt.

So how did we get here?

The answer can probably be found in our actions and behaviors towards money. Too many of us are living paycheck to paycheck and spend most of our lives working to pay off our bills.

In order to fix our debt issue, let’s identify the money mistakes we make that get us in trouble.

 

Money Mistakes We Make That Keep Us In Debt

Money mistakes we make that get us in trouble.

Not Saving Enough.

How many of us are guilty of not saving enough money to cover us in the case of an emergency? I’m sure more than we would care to admit. I learned from Dave Ramsey to first save $1000 and then 3-5 months of living expenses.

Doing that was pretty difficult for me at first, but I found that catastrophe always strikes when you’re not prepared.

Not having any money in your savings can put you in a precarious situation and is the main reason people end up being one paycheck away from homelessness.

 

So, if you want to protect yourself, start saving today. If you have a difficult time with saving money, start putting away a percentage of your paycheck and swear not to touch it.

It’s what they mean when they say to pay yourself first.

As long as utilities are not at risk of being disconnected, put money in your savings before you do anything else.

Participating in your company’s 401K or have money automatically debited from your account and placed into savings will make it easier to save. Out of sight, out of mind.

Not Checking Your Credit Report

When was the last time you checked your credit report? Now if you’re like a lot of us, you probably have no clue of what is on your credit report.

A lower credit score can affect how much you pay in interest for a loan or if you’re approved at all, so it’s knowing that number is a pretty big deal.

 

Related: How to Stop Living Paycheck to Paycheck

If you’re someone who never checks your credit, you may be surprised when you’re denied a mortgage or a car.

Even if you pay all of your bills on time and have zero balances on all of your credit accounts, you’re not too immune to mistakes being reported.

The three credit agencies all report different things about your account and may or may not be accurate.
The Easiest Way To Manage Your Credit!

You don’t want to find out if there is any inaccurate information on your credit report or worse, you’re the victim of identity theft.

Obtaining your credit report is painless and you can request a free one from each credit reporting agency once a year. This will give you time to review inaccuracies and have the removed from your credit report.

Though they have 30 days to review your request there are times when you must provide documentation for them to erase the information. Even small dings to your credit can increase the amount of interest you pay.

You may check your credit for free through Annual Credit Report or Credit Karma.

Having Too Many Overdraft Fees

I once had a checking account where I didn’t put much money in and only used it to pay for a couple of items, such as my monthly gym fee.

Well, one month, I forgot about the annual fee (I never received a reminder) from my gym and it hit my account before I could put money into it. Needless to say, my bank paid for it, but they also charged me an overdraft fee.

 

By the time I was able to figure out what was going on, my account was already overdrawn over $100!!! Other items that came through my account were sent back and I was charged a $39 return item fee PER ITEM.

Now I try not to have auto-debits come out of my checking account and use mostly prepaid debit cards. (This one has taken the place of my traditional checking account). That way if someone attempts to charge my account and there’s no money in there to cover it, the transaction is declined. I’m not charged overdraft fees and I still have time to add money to my account.

Most merchants will try several times to debit your account, so be mindful of that when you give out your checking account number.

Sign up for a Prepaid PayPal card here and earn $5 when you load $10 to your account.

Purchasing a Car You Can’t Afford

Don’t become envious of your friend who has that brand new Lexus, because oftentimes than not, they’re drowning in car debt. When you purchase a new car, you’re not only paying for interest to finance that car but also the insurance required to cover the car.

Add on top of this, title, registration, maintenance fees, and gas – the cost of the car goes sky high.

 

Now, I’m not saying you shouldn’t buy a new car. I’m just saying don’t buy a new car you can’t afford. This includes leasing a car – just don’t do it. Most people are living paycheck to paycheck because they are spending a lot of money on items they don’t need.

If you find yourself peeking out the window every night for the repo man, that may be some indication you can’t afford that car.

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If you need a car, look for a reliable used one.  Many used car dealerships offer certified pre-owned vehicles and there’s always CarFax.

Better yet, save up enough money to purchase a car with cash and as your needs and funds grow, use that money to upgrade later on.

Related: Should You Buy a New or Used Car

Living in a Home that is Too “Big” for You

When I purchased my first home, my mortgage was over $1700!!! That’s a lot for a single mom living off of a teacher’s salary. I had two mortgages (crazy, huh), and only one of them was fixed.

Thankfully the interest rate went down and so did my mortgage payment, but who knows how long I would have lasted paying that amount each month.

 

We often find ourselves wanting to live in the best of neighborhoods, but along with that security and nice schools, comes a huge price tag. If you find yourself paying more than 35-40% of your salary on housing, then it’s time for you to move.

There’s nothing wrong with moving to a smaller home in your neighborhood or moving to an area with a lower cost of living. You’ll have more peace of mind as well as money to use for more important things.

Related: A Few Things to Consider Before You Buy Your First House 

Also, consider if renting is more cost-effective than buying. I know most people will tell you it’s better to become a homeowner than a renter, but depending on the current housing market, your lifestyle, and your financial situation, it may be better to wait a year or two before buying.

The heart is where the home is and it doesn’t matter if you live in a 3,000-square-foot home or a 1,200 one.

Trying to Keep up with the Joneses

 

Why do we spend money on things we don’t need to try to impress people we don’t even like? Do you find yourself looking for a new car when you see that your neighbor just bought one?

I don’t believe in trying to keep up with the Joneses because they’re probably just as broke as I am. The only difference is that they are trying to appear rich, which will put you in the poor house real fast.

Years ago, I would go shopping spending money on a whole bunch of nothing just because I was bored. I also liked the attention I received when I wore something new and pretty to work.

Once I realized how empty I felt after my shopping binges and how detrimental it was for me to shop aimlessly like that, I stopped.

Yes, I wanted those new leather boots, but did I need them?

Consider what you value most in life. I enjoy spending time with my family and friends more than I ever could with a new Apple TV. Yes, it is nice to have nice things, but you shouldn’t go broke trying to obtain them either.

By the way, if you’re looking to save money on cable, check out my post here.

If you live by the motto, “shop ’til you drop’, then you may want to seek a therapist. It’s possible you have some unresolved issues that need to be dealt with before tackling.

How many of the mistakes on the list are you guilty of doing?

Saving Money/

25 Easy Ways to Save More Money

If you're looking for simple ways to save money, with little to no effort, here are 25 easy ways to save more money.

Are you living paycheck to paycheck and struggling to pay your bills?

Are you desperate to find ways to keep more money in your pocket so you’ll have less stress and more money to enjoy life? If so, I got you covered.

 

If you're looking for simple ways to save money, with little to no effort, here are 25 easy ways to save more money.

 

25 Easy Ways to Save More Money

1. Start taking lunch every day. By packing a bag lunch, you’ll resist the temptation to go out to eat. If you spend $10 a day for lunch, you can save around $200 a month.

2. Cook more at home. Not only can you save money by eating in, you can prepare healthier meals at home. You’re the chef, so you can control the ingredients (and calories) in your food.

Related: How to Save Money on Groceries and Still Eat Well Each Month

3. Cut the cable cord. I used to spend hundreds of dollars a month for cable. I had every premium channel but barely watched television. I now have subscriptions to Amazon Prime Video, Hulu and Netflix and can watch my favorite shows on demand. Amazon video is included in a Prime membership and Hulu and Netflix cost around $8/month each.

Related:

How to Cut The Cable Cord Without Feeling Like You’re Missing Out

21 Places to Watch TV Online for Free

 

4. Cancel Your Gym Membership. Gyms know you’re going to purchase your membership in January only to abandon your fitness program by March. I once purchased a gym membership online and never set foot in the building for an entire year. I finally canceled my membership and purchased workout DVDs. You can get fit by equipping your home with your favorite exercise gear or go for a jog or walk outdoors.

Related: Get Paid to Lose Weight with Healthy Wage and 12 of the Best Apps that Help You to Lose Weight

5. Use Coupons. Cutting coupons may be a chore, but if you combine them with store sales, you can cut your grocery bill by a lot. I like to use coupons in combination with sales and a cash back app such as Ibotta. Sign up with my link and make $10.

Related: Here’s How I Save and Make Money with Ibotta

6. Move. If you are spending more than 32% of your income on housing, it’s time to move. In fact, I encourage you to move somewhere that costs a bit less than you can afford. Not willing to relocate to a new town? You are sure to find cheaper alternatives if you’re willing to downsize or move further outside the city.

7. Sign Up and Use Ebates. This is a great way to purchase items you were planning to purchase anyway since Ebates gives you a percentage of your purchases back to you.

8. Eat Less Meat. I’m sure you’ve noticed, but meat is pretty expensive. Start planning dishes that do not include meat. My family knows what to expect on Meatless Mondays. You can find recipes to many tasty vegetable dishes online. If you or your family feel you might miss meat, try meatless substitutions such as veggie crumbles.

Related: Save Money on Groceries and Still Eat Well Each Month

9. Forget Starbucks and Make Your Coffee at Home. Yes, a Caramel Macchiato may sound great in the morning, but if you make your own coffee at home you’ll not only save money but time and calories as well. I have a Keurig, but if you think that buying the K-cups is expensive, try this refill to use with your favorite ground coffee.

 

If you can’t stay away from Starbucks, check out How to Save Money at Starbucks

10. Cut Out Sodas. Not only are sodas bad for you, but they’re expensive as well. Start replacing sodas with water and you’ll stay hydrated. You can save more money by using a water filtration pitcher like a Brita Filter instead of bottled water.

11. Host a Potluck. Instead of going out to eat, invite friends over with a dish to share with everyone.
Fab Fit Fun
12. Stick to Cash. Using credit for purchases can bring the cost up on an item because of interest. Try not to purchase anything you can’t afford to pay with cash. If you can’t afford it without charging it, you may want to reevaluate if you need the item at all.

13. Look for Cheap or Free Things to Do. Instead of draining your entertainment budget every weekend, seek free or cheap alternatives around your city.

Related: Fun and Cheap Date Night Ideas

14. Switch Banks. My son had a checking account with one bank that charged him $12 a month to use it. I told him to switch to another bank and now he doesn’t have a monthly fee as long as he has an active direct deposit. The monthly bank charge goes up to $5.95 without direct deposit, but it’s still much cheaper. Sign up for Simple if you want to forgo the bank altogether.

15. Sign up for Customer Rewards. Most stores have a rewards program that gives you points to apply towards future purchases or member only pricing when you shop. I’ve signed up for Plenti which gives me points to use towards gift cards and free gas.

 

16. Check Out Books and Rent Movies from the Library. Your library card is your key to more than just books. Most libraries have DVDs you can rent for free. I used to frequent the library at least once a week during the summer. My library either didn’t have a book limit or the limit was pretty high because I would leave out of there with at least 10 books.

Related: 15 Personal Finance Books to Check Out

17. Join a Wholesale Club and Buy in Bulk. Purchasing a Costco or BJ’s membership will help tremendously because often they’re able to offer wholesale pricing. If you are single and have no use for bulk items grab a friend and split up the packages. Also, most clubs offer an additional card for a household member, so you can split up the membership cost with a friend.

I save a lot each month with my Amazon Prime membership. Check it out yourself and try a free trial.

18. Go Through Your Bills. Check all of your bills, including your cell phone, cable and credit cards. You may find that you are paying for services you don’t need or use. Call and cancel these services.

19.  Purchase a Used Car. If you need a car, consider purchasing a used one. As long as the previous owner took care of their car, you should be able to find a reliable used one. By buying used, you’re going to save not only a car payment but on insurance as well.

 

20. Ride Public Transportation. If possible, forgo a car altogether. If you live in an area where you can get around on public transportation, you may find that you’ll save thousands of dollars a year. No longer will you have to worry about maintenance, insurance or gas. If you need a car, you can rent a Zipcar or a Car2go. Heck, you might just want to just call for an Uber or Lyft.

21. Switch to Generic. I know you may have your favorite brands, but consider switching some of them to a cheaper generic. Many products you purchase tend to have a store or generic brand that is just as good as the better-known brand. Check the labels and you’ll be surprised to find that they contain the exact ingredients as your favorite brand.

22. Sleep on Big Purchases. Before making an impulse buy, consider waiting 24 hours before making a purchase. If after 24 hours you still find that you want to purchase the item, then by all means, go ahead and do so. I’ll bet however, you’ll find you don’t need it right now.

Related: How to Stop Living Paycheck to Paycheck

23. Compare Prices. I always compare prices of an item I want to purchase. First, I usually check to see if it is available cheaper on Amazon and next I check to see if it’s on sale at my local stores.

24. Cancel Checking Auto-Debits. This has gotten me in a lot of trouble and caused me a lot of overdraft fees. Be leery of places that ask for your checking account information to make auto debits. Gyms are famous for this because they know that more likely than not the bank will pay them. Banks will then charge you an overdraft fee.

What’s worse, if there’s no money in your account to cover it, they won’t pay it and charge you a returned check fee. Try to use your check card or credit card, because they will decline them instead of charging you fees (or at the very least make sure there’s money in your account beforehand).

25. Create a Budget and Stick to It.  A lot of time, we spend mindlessly throughout the week and become shocked when we’re broke 5 days before payday. When you are not able to account for where your money is going, you won’t have a grasp on your money. Create a budget and stick to it. You’ll find that your dollar will stretch a little further. Try these budget forms to download to get your finances together or sign up for Every Dollar for free.

I hope these 25 easy ways to save more money were helpful.

Have a money saving tip not on this list? Please comment below and share with the rest of us.

 

Beauty Products/

My Must Have Beauty Products

As someone who wholeheartedly embraces her girly side, I adore donning flowy dresses and believe firmly in the power of stepping out fully made up, with hair perfectly styled. Yet, I stand by the notion that maintaining this chic appearance shouldn’t drain one’s finances. After all, I consider myself a straightforward gal with a penchant for items that are not only delightful and stylish but also gentle on the wallet. Here are my go-to beauty products that keep me looking fabulous without compromising my budget.

Essential Beauty Products for a Flawless Face

Cleansing Routine

For my oily-combination skin, the Neutrogena Oil-Free Acne Wash Scrub in Pink Grapefruit is a staple. I use this vibrant, invigorating scrub daily in the shower, although I dial it back during the colder months to avoid over-exfoliation.

For a gentler option, I rotate in the Michael Todd Charcoal Detox Deep Pore Gel Cleanser once or twice a week. Its unique black gel formula not only deeply cleanses but also leaves my skin visibly brightened and refreshed.

Toning Perfection

Post-cleansing, I apply the Michael Todd Organic Lemon Toner. Infused with the essence of lemon, it aims to lighten dark spots while refreshing my skin, preparing it for moisturization.

Moisturizing Must-Haves

The Olay Complete All Day Moisturizer with Sunscreen Broad Spectrum SPF 15 for sensitive skin has been my go-to facial moisturizer for over seven years. Its lightweight formula is non-greasy, and the added SPF 15 helps protect my skin from daily sun exposure.

Flawless Foundation

The Sephora 10 HR Wear Perfection Foundation offers just the right amount of coverage to make my skin look professionally done. It’s long-lasting, and a little product goes a long way.

Another favorite is the Makeup Forever Pro Finish Multi-Use Powder Foundation. Versatile in its use, it can be applied solo for a quick fix or over liquid foundation for a more polished finish. It’s my secret weapon for both everyday wear and special occasions.

Lipstick Love

No girly girl’s makeup kit is complete without a pop of color from Mac Cosmetics. The lipsticks, especially shades like Diva and Ruby Woo, are perfect for making a statement. They offer a fantastic range of hues suitable for diverse skin tones and boast impressive staying power.

Other Makeup Essentials

For everyday eye makeup, I’m not too picky — any drugstore eyeliner or mascara on sale will do. I reserve eyeshadow for special occasions and admittedly still use favorites from BH Cosmetics that I’ve had for years.

Now, I’d love to hear from you! What are your budget-friendly beauty must-haves? How do you keep your makeup routine fabulous without splurging excessively? Share your secrets and let’s celebrate beauty in all its affordable glory!

 

Life/

10 Things I Can’t Live Without

As simple as I may be, I am that much more consistent. My daily schedule looks pretty the same.  There’s not much change going on over here. Unless I am introduced to something that changes my life in a spectacular way, I remain just as carefree and boring normal as ever. In today’s post, I decided to share 10 things I can’t live without.

 

After my family and friends, these items are integral parts of my life. In some weird way, these items keep me sane and less obsessive-compulsively. I’ll go over my morning schedule in another post as well as my beauty regimen (or lack thereof).

My Keurig 2.0

 

I’ve been a daily coffee drinker since my freshman year of college. There have been times when I thought about quitting, but the cravings and headaches prevented me from going more than two days without my fix.

Like most Keurig owners, this is my second machine. My first machine was the Keurig Vue, which had it’s limitations, such as hard to find Vue cups. I learned a hard lesson and decided that I would no longer purchase any of the Keurig machines that do not use the K-cups.

The Keurig 2.0 got a lot of backlash for not allowing consumers to use any other brand cups but theirs, which is a bummer if you want to use ground coffee. However, I got around this by purchasing this filter here. The Keurig prevents me from wasting a big pot of coffee when I only drink a cup at a time.

 

 

Diet Dr. Pepper

If you haven’t figured it out yet, I have an issue with caffeine (this doesn’t even include my nightly cup of green tea). So it should not surprise you that I drink sodas. Diet Dr. Pepper is, in fact, my favorite soda to drink. If I don’t have it, I am just not a happy camper.

I used to drink two and three sodas at a time, but now I’m down to only about 3 to 4 sodas a week. Even though it is diet, it is still a soda. It doesn’t have any calories, but it does contain Aspartame and I’m not at all convinced it’s completely safe. I got hooked on diet sodas over 20 years ago because that’s what my mother drank. I also figured if I was going to jug down a bunch of calories, I might as well eat them not drink them.

My iPhone 6

A few years ago I purchased my first iPhone, which was a 4S. Up until then, I had been a Blackberry girl. I didn’t want an iPhone and I didn’t want to hear anything about Apple.

My contract was up and it was time for me to pick out a new phone. I intended to walk into the Sprint store to purchase a newer Blackberry, but something happened. The sales person mentioned to me that they were giving away free iPhones and right at that moment I converted and have been an Apple lover ever since.

I do almost everything with my phone, such as record videos and listen to podcasts. I have a lot of apps on my phone, most of which I don’t use. The apps I use the most are Stitcher, iTunes, Facebook, Gmail, YouTube, Periscope and Pet Rescue (don’t judge).

I even read some of my Kindle books on my phone, even though the screen is a little small and at times like this I wish I purchased the iPhone 6 Plus. When I upgrade, I will definitely get the plus version of whatever phone is available.

I am currently on my third iPhone 6 and will tell you in a later post what happened to them all.

Melaleuca Oil

Melaleuca is an essential oil I use practically every day for the last few years. Melaleuca, also known as Tea Tree Oil, has antiseptic qualities that make it one of the best items to have in your medicine cabinet. I call it a miracle in a bottle. There are many uses for tea tree oil and you will be pressed to find any other product that does so much with so little.

You can purchase Melaleuca oil from the store or online through Amazon, however, I purchase mine through a shopping club I’m part of. I believe they offer essential oils of a higher quality than any you will find at the drug store.

I used to have dandruff that was so bad I hated wearing black shirts. Not only would it leave white traces everywhere there were also embarrassingly large flakes falling from my scalp. I tried almost every shampoo and right before I was scheduled to see a dermatologist, I began to use the Melaleuca oil. I would put a few drops in my shampoo and let it sit on my scalp for a minute or two longer.

Since then, I have not had a problem with dandruff and attribute it to the tea tree oil. I now use a shampoo that has tea tree oil in it. I also use the oil for foot baths, mouthwash and on funky skin rashes. The smell tends to be a little strong, but as long as you dilute it with water or a carrier oil, it’ll go away after awhile.

Amazon Prime Membership

I can’t remember the last time I purchased a book anywhere else but from Amazon. This is quite a shame because I actually miss walking through the aisles of my local bookstore. The combination of low prices and convenience of Kindle books, many of the bookstores I frequented closed their doors forcing me into the arms of Amazon.

I purchased an Amazon Prime membership for the main reason most people do and that was for the free 2-day shipping. At first, I thought it didn’t make sense to spend money for a membership but trust me when I say that it is 100% worth it. At the time of signing, I was in graduate school and purchased all of my textbooks through Amazon. The free shipping paid for itself for the cost of the membership.

Other benefits of Prime membership include monthly select free Kindle ebooks, unlimited streaming of TV shows and movies through Prime video and an invitation to member only events.

Kindle Fire


As an avid reader, my Kindle Fire stays as close to me as my iPhone. Most of my library consists of ebooks so my Kindle has become a necessary part of my life. Not only can I download ebooks, I’m also able to surf the internet, download apps and watch videos. I own an iPad and I can honestly say that if you don’t want to or can’t spend the money on an iPad, get a Kindle.

I read mostly nonfiction books, which can be downloaded and read in a short amount of time. An Amazon Prime membership allows you to lend out and borrow any books you or someone else have purchased. I have also signed up for their Kindle Unlimited, which is a godsend for me. It allows me to borrow up to 10 books at a time for about $10 a month.

 

My Fitbit

I am actually on my third fitness tracker, having lost the last one while picking up my son from the airport last year. The first two were FitBit Zips, but considering how easy it was for me to misplace them, I finally decided to get a Fitbit Flex. I’m looking at the Fitbit Charge HR, but at this moment it is more of a want than a need.

My Fitbit is solely used to track my steps each day. Yes, there are phone apps and less expensive pedometers that do the same thing, but I don’t walk everywhere with my phone. Since I’m in competition with myself, I need to track every single step I take.

I’ve noticed that without my Fitbit, I’m not as motivated to get in any fitness each day. Sitting on your butt all day is one thing. Having concrete evidence you sat on your butt all day is another. If it’s 11:45 PM and I haven’t reached my goals, you’ll find me walking around the house to get in those last few steps.

Tracking my steps keeps me accountable and helps me to get closer to my health and fitness goals. I also like how I can transfer my steps from my gym’s app to the Fitbit’s app and vice versa. There’s a record everywhere, which is helpful when tracking exercise for weight loss or training.

My Dog’s Thundershirt

Okay, this is not an item I use on me but trust me, it has made my life 10 times more peaceful. A Thundershirt is a shirt I put on my cockapoo during times of high stress and anxiety. My doggy is a little on the nervous side at times and his shaking scares the hell out of me. I purchased his Thundershirt about 5 years ago and it has worked wonders ever since.

I don’t know how it works, but I feel some sort of circular disks on the side of it. I don’t know if these are magnets or what. I try not to bother with the details as long as something works and isn’t harmful to my friend’s health. I put his shirt on him when I leave him for longer than I usually do and during thunderstorms.

Once a year, he get’s to wear it during the Fourth of July fireworks. My dad laughs at me when he sees my dog with his Thundershirt on, but I don’t care. My neighbor lost her dog during this time because she ran when startled by the fireworks going off in a nearby park. I refuse to let that happen to my dog.

Vitamins

I used to take like a zillion vitamins. After reading the benefits of different vitamins and minerals, I would mosey on down to the store and purchase my vitamins bottle by bottle.  

Well, eventually it got too much for me and I just thought it would be best just to eat better to get the nutrients I can get through my diet and supplement the rest. I also alternate between the types of vitamins I take simply because your body just needs to certain ones at different times of your life.

Now I take the following vitamins everyday – Vitamin D (5000 iu), folic acid (800 mg) and a probiotic.

A few years ago, my doctor told me that I was deficient in Vitamin D and gave me a prescription. She stated that I could take Caltrate to maintain. Now I may reevaluate this since a new study has shown that the test that is used to measure vitamin d deficiency may not make sense for African Americans.

A Journal

My journal stays attached to my hip on a regular basis. I used to write my thoughts and feelings in my journal, but these days I’m jotting down notes, ideas for posts and anything that can help me to improve my business. I feel it is important to actually write things down, which most of us don’t do anymore because we’re always on our computers.

Anytime I can find a journal while out shopping, I always stop to pick one up. I’ve found my best journals from places such as Ross and TJ Maxx. The prettier the better. I think having something that looks nice encourages me to write in it.

I usually don’t do anything fancy with my journals but write in them. However, there are plenty of printables you can use to put in your pages or create your own journal as well.

If you don’t already keep a journal, I highly recommend getting one and writing in it. I recently found my mother’s journal she often wrote in and it gave me some insight into her mindset the months and days leading up to her death. You may find it to be cathartic or at the very least use it to help get those creative juices flowing.

 

There you have it, the top 10 things I can’t do without.

Relationships/

Fun and Cheap Date Night Ideas

Looking for a few fun and cheap date night ideas to enjoy with your sweetheart?

If so, I got you covered.

I believe spending quality time with the one you love is more about quality than quantity. Fostering your romantic relationships is important, but I don’t think you should go broke doing it.

cheap date night ideas

 

Dating is a wonderful way to bond with your partner, but let’s face it — it can get pretty expensive. A simple movie night could easily cost you $25 for just admission, and that’s without popcorn or drinks. But don’t worry — there are plenty of creative and budget-friendly ways to enjoy time with your loved one without sacrificing the romance. Whether you’re saving for that dream vacation or working on paying down debt, you can still make date night special without spending a fortune.

I believe that romance isn’t defined by extravagant spending or elaborate settings. The most memorable moments often happen when you’re just enjoying each other’s company, no matter where you are. Yes, a cruise to the Caribbean or Broadway tickets are thrilling, but no one should have to go broke just for a single evening out. That’s why I’ve compiled a list of free or practically free ideas for your next date.

So, whether you’re flat-out broke, trying to keep things low-cost for a no-spend weekend, or saving for the future, these fun and cheap date night ideas will help you keep the spark alive without burning a hole in your wallet.

1. Go on a Picnic

Picnics never go out of style. They offer a sweet and intimate setting, and the best part? They’re budget-friendly! All you need is a picnic basket (or just a tote bag) packed with some sandwiches, snacks, and maybe your favorite bottle of wine. Head to a nearby park, lake, or even your backyard for a cozy, outdoor meal.

Make it extra special by adding some personal touches. Bring a soft blanket, and if you’re feeling fancy, swap out plastic cups for real wine glasses. Chocolate-covered strawberries, a simple cheese board, or your favorite desserts can elevate the experience. A picnic allows for deep conversations, fresh air, and a beautiful escape from everyday life — all without spending a lot.

2. Netflix and Chill — But Make it Special

Sure, “Netflix and Chill” has become a cliché, but it’s still a great option for an affordable and relaxing date night. The key to making it feel special is in the details. Snuggle up on the couch with some comfy blankets, dim the lights, and pick a movie you’ve both been wanting to watch. Skip the crowded theaters and have your own movie marathon at home, complete with homemade popcorn and your favorite snacks.

You can even create a themed movie night — whether it’s a classic rom-com marathon or binge-watching the latest true crime documentary series. The beauty of watching from home is the freedom to talk during the movie, pause for bathroom breaks, or even order in some takeout for an extra indulgence.

Movie Suggestions:

  • Something New
  • Breakfast at Tiffany’s
  • 50 First Dates
  • Silver Linings Playbook

3. Attend a Concert in the Park

There’s something magical about live music under the stars, and the good news is that many cities offer free outdoor concerts, especially during the warmer months. These events are often organized by local parks, city governments, or cultural organizations, making them a cost-effective way to enjoy an evening out.

Bring a blanket or lawn chairs, and pack a small picnic for added charm. You’ll get to enjoy live music, dance with your partner, and experience your city in a new way — all without spending a dime. Be sure to check the event calendar of your local parks department for upcoming concerts.

4. Get Active Together: Workout Date

Who says dates have to be all about sitting at a table or a movie theater? Why not work out together? Whether it’s a brisk walk, a bike ride, or a fun outdoor workout session, exercising as a couple can be both healthy and romantic. Not only do you get to spend quality time together, but you also get to burn some calories in the process.

For an extra adventure, try a hike at a nearby nature trail, or if you’re both into yoga, consider joining an outdoor yoga class together. Exercise dates help you connect while staying active, which can be a refreshing change of pace from traditional dinners.

Other Workout Ideas:

  • Take a dance class together (try salsa or ballroom)
  • Go for a jog in a scenic park
  • Sign up for a virtual fitness class

5. Explore a New Museum

Museums are a great way to learn something new and spark interesting conversations with your partner. Many museums offer free admission or have discounted rates during certain hours. Spend the afternoon exploring exhibits that interest you both — whether it’s art, history, or science.

Don’t live near a major museum? Check out smaller, local institutions that showcase regional history or local artists. A museum date offers a chance to explore new perspectives while enjoying quiet, quality time together.

Pro Tip:
If your local museums charge for entry, check for special events or free admission days. Many cities also offer City Passes that provide discounted entry to multiple attractions.

6. Host a Potluck Dinner with Friends

Date night doesn’t have to be just the two of you — sometimes it’s fun to invite friends and make it a group event. Hosting a potluck dinner is an affordable way to gather friends without the stress of covering all the food costs. Everyone can bring a dish and a drink to share, which cuts down on expenses and allows for a variety of dishes.

Make it a themed dinner (Mexican night, pasta night, or BBQ) to add an element of fun. Cooking together as a couple before guests arrive is also a great bonding experience and sets the tone for the evening.

7. Game Night with a Twist

Bring out your competitive side with a couples’ game night! Whether it’s classic board games like Monopoly or a lively card game like UNO, playing games is a fun and affordable way to connect and laugh together. If you prefer something digital, there are tons of multiplayer video games that are perfect for couples.

For added fun, invite another couple over for a game night double date. Set up some snacks, put on some upbeat music, and let the games begin!

8. Mini Road Trip Adventure

If you’re both itching for adventure, consider taking a mini road trip for your next date. You don’t have to go far — just pick a destination that’s a couple of hours away and enjoy the journey. Whether you’re exploring a nearby town, visiting a new beach, or hiking in a state park, road trips offer a sense of freedom and discovery.

Before you go, pack some snacks, create a fun playlist, and make sure you have a camera ready to capture the memories. The beauty of a mini road trip is that it feels like an escape from daily life, even if it’s just for the day.

Road Trip Ideas:

  • Visit a local farmer’s market
  • Explore a nearby small town or historical site
  • Find a scenic drive and stop for photos along the way

9. Pay for Dates with Free Gift Cards

What’s better than a budget-friendly date? An entirely free date! Sign up for reward programs like Swagbucksor Dosh, which allow you to earn free gift cards by completing small activities like watching videos, taking surveys, or shopping online. You can use the gift cards you earn to cover the cost of future date nights, whether it’s for dinner, a movie, or a fun activity.

It takes a bit of time to accumulate enough points, but if you’re consistent, you can enjoy date nights without spending your own money.

10. Create a DIY Spa Night

After a long week, sometimes the best way to spend date night is by relaxing and unwinding together. Set up a DIY spa at home — light some candles, play soothing music, and prepare a few spa treatments like face masks, body scrubs, or foot baths. You don’t need to spend money on expensive spa treatments when you can recreate the experience in the comfort of your home.

Take turns giving each other massages, enjoy a bubble bath, or sip herbal tea while you relax. A DIY spa night not only helps you save money but also provides intimate, quality time to reconnect.

Conclusion

You don’t have to spend a fortune to keep the romance alive. Whether you’re looking to save money or just trying to be more mindful of your spending, there are plenty of fun, creative, and affordable date night ideas to explore.

From picnics and game nights to mini road trips and museum visits, these budget-friendly activities are proof that romance doesn’t require a big wallet — just a little imagination.

So, next time you’re planning a date night, consider one of these affordable ideas and enjoy creating memories without the financial stress.

Saving Money/

28+ Cheap or Free Things to Do This Summer

fun budget activities to enjoy over the summer

Summer is the time of the year where I make an effort to be out and about, simply because my brain is wired to believe that summer + me = fun.

I am always looking for cheap or free things to do this summer since I believe in my heart that everyone should enjoy the beautiful weather, no matter their finances.

So what you’re not going to Walt Disney World or on a 5-day cruise to somewhere exotic?

You can have a mini staycation and still have fun. Here are a few ways to enjoy the summer without breaking the bank.

budget friendly summer activities

Related:

Working from home means I’m location-independent, so I can pretty much go wherever I want without restrictions.

Unfortunately, my boyfriend, family, and friends don’t have that luxury. They have 9 to 5s that they have to put in vacation time for.

That’s too bad I hate to travel solo because I would leave them behind to roam the world.

Well, that and the fact that it’s very expensive to travel for months on end.

There are many inexpensive activities and events to participate in during the summer, you just have to do a little research to find them.

Ebates Coupons and Cash Back

I’m blessed to live so close to our nation’s capital, which is often brewing with fun, interesting and free things to do.

This doesn’t mean, however, that if you don’t live in a metropolitan area that you can’t have fun for cheap, you just have to look around for them.

Below are some of the ways I like to enjoy the summer without breaking the bank.

My child is grown, so I use these for cheap date nights or hanging out with friends. However, most if not all, are kid friendly or can be adapted for families.

Free and Cheap Places to Visit

Museums

 

If you are looking for something cheap and educational to do, visiting a museum should be at the top of your list. Most museums are free or have low admission fees.

No matter where you live, I’m sure you can find a museum that caters to your interests. The Smithsonian has 19 museums in Washington, DC and New York City. Thankfully for me, most of these museums are in DC or the metro area, including the National Zoo.

 

My other favorites are the National Air and Space Museum for their IMAX movies and the National Zoo. I missed visiting the Great Apes and Primates exhibit during my last visit. For some odd reason, this exhibit is indoors and I almost passed out from the smell.

This time, I’m planning my visit right around the time of clean up.

Side note: If the museums in your area charge admission, check to see if they have any free museum days and plan to go then.

National Parks

 

If you love to be one with nature or otherwise appreciate the natural beauty that our landscape offers, then visiting a national park in your area is a must-to-do.

The National Park Service works to maintain our natural and cultural resources for us to enjoy. You can hike, picnic and camp at parks such as the Shenandoah in Virginia and the Yosemite in California.

Or visit San Juan National Historical Site in Puerto Rico or Edgar Allan Poe’s house in Pennsylvania. There are literally thousands of places to visit, so support your national parks.

Admission varies among locations. Some are free, whereas others charge a minimal fee for admission.

If the park you’re interested in visiting has a cost associated with it, you may consider purchasing a pass that allows admission to over 2,000 national parks. This is great if you plan to visit multiple times and/or multiple parks. A few visits make the price worth it.

Don’t want to pay?

You can also visit for free during their Free Entrance Days, which are held several times a year.

Concerts in the Park

I love live music and would go to more concerts if the ticket prices weren’t so darn expensive.

Paying $75 + a ticket gets old real fast. The next best thing in my mind is going to a concert in the park that is usually hosted by local municipalities.

These concerts may not showcase Beyonce’, but are often free and can introduce you to some really good talent.

Last year I went to a jazz concert where it seemed I was the only one not familiar with the bands on the stage, which meant I needed to get out more often.

 

Again, check your local area since many cities tend to have summer concert series. Delaware State Park, Sacramento, and Chicago all offer events this summer.

Just bring a blanket or lawn chair and enjoy the music.

Movies in the Park

Similar to the concerts in the park, movies in the park are as close as some of us will get to the experience of a drive-in movie (though there are still a few around).

Eating popcorn and watching a movie under the stars is an ambiance you will not soon forget. I’m excited this year that I have a wide range of movies to choose from in the DC, Maryland, and Virginia area.

 

These events are usually free and depending on the movie can be fun for the whole family. Don’t expect the same movie lineup that’s at your local theater, as most of these movies or older ones you can probably find on Netflix or at Redbox.

That’s not the point.

It’s more fun to watch a movie on your blanket or chair around other people having a great time. I mean, who can resist seeing Ferris Bueller’s Day Off for the 80th time?

Not me.

More Cheap or Free Ways to Have Fun This Summer

  • Visit the attractions in a major city. Purchase a City Pass and save money on entrance and admission fees.
  • Do a walking tour of your city. You may find tour guides who will give you some background knowledge of historical and meaningful sites.
  • Check your community calendar for free events.
  • Visit your state’s department of tourism website and search for free summer events.
  • Take a road trip to the nearest beach
  • Go to the park and set up a picnic
  • Ride a bike. Don’t have a bike? Rent one and take it out for a couple of hours.
  • Exercise in the park. There are many parks that hold free or affordable exercise or yoga classes in the park.
  • Go to a free music festival. Though many cost money, there are plenty that is free. Check to see what is offered in your state.
  • Go for a hike. Find a trail on Trails.com that matches your experience and fitness level.
  • Find a local carnival. These are usually held in smaller towns now, but if you can find one – very nostalgic.
  • Host a BBQ and have family and friends bring a dish.
  • Take the kids to the playground. Don’t have kids? Borrow one from your family or friends. Time to up your auntie duties.
  • Go canoeing or out for a paddle boat ride
  • Take a boat ride around the city. DC Ducks offer a buy 1 get 1 free for DC residents with their homegrown pass.
  • Play frisbee in the park.
  • Take your dog for a walk.
  • Go on a scavenger hunt. You can create your own or find free ones throughout your city.
  • Visit open mic night for homegrown comedy (or poetry)
  • Visit your local library
  • Attend a book reading (book purchase optional)
  • Treat yourself to a spa night
  • Dust off your game boards and invite friends over for game night

 

Making Money/

How I Make Money Outside of Blogging

money outside of blogging

If you haven’t already, go ahead and read my post on How I Make Money Blogging. Considering I haven’t made much money with this blog (yet), I know you were wondering how I managed to eat. My survival currently depends on a few thing such as keeping expenses low and hustling like a mutha. Side hustles are my thing, but to put them in perspective I wanted to share with you how I make money outside of blogging.

How I make money outside of blogging

If you’re interested in starting your own blog, Hostgator is a great hosting provider. Get up to 70% off your next website.

Here Are the Ways I Make Money Outside of Blogging

I’ve been an advocate of multiple streams of income for years. When I was a teacher, I always looked for ways to supplement my income because your girl here really liked to shop. So, I thought I would publish this post showing you guys some of the ways I make money that does not involve blogging. This is something I considered doing when I start posting monthly income reports. Until then, I don’t think it would hurt to give a glimpse of how I bring in income to pay bills and eat (since many people were concerned I was missing a few meals – not).

Here are a few of the ways I make money outside of blogging.

Business Coaching

I mentioned coaching in my post How I Make Money Blogging, but I included it on this list because I do work with entrepreneurs who do not run online businesses. I mostly help them to set up their business as well as gain clarity about running an online and “traditional” business. I am not a graphic designer, but I have a basic knowledge of computers and offer a WordPress set-up service for those who don’t.

Direct Sales and Network Marketing

I’ve participated in direct sales and network marketing for over 20 years. My mom and aunts always bought from Avon and when I was 18, I signed up to become a representative. Though I didn’t remain with Avon long (I bought more than I sold), I continued to bounce from company to company as either an independent business owner or a customer.

 

I’m not a great sales person, but if there is a product or service I believe in, I don’t mind telling my family and friends about it. Having said that, I am currently an independent business owner for two companies Total Life Changes and Melaleuca. Having lost my mom to cancer over a year ago, I believe in doing what you can to live a healthier and cleaner lifestyle. I’ll write a post later about each company and my participation in each.

I hope to increase my participation in both companies, especially since I believe you’ll get out what you put into them. Direct sales and network marketing have gotten a bad rep over the years, but the industry speaks for itself. Pyramid schemes do exist, but because of laws and regulations, the companies that participate in that behavior don’t stay around long. There are reputable companies out there and many people are making money from these companies. According to the Direct Selling Association which regulates the industry, there are over 20 million people involved in some form or fashion, most likely as a consumer. I just recommend that people do their due diligence when selecting a company and stand behind products and services that they really enjoy.

Writing

I’m not a great writer by any means, but I love to write. I write not only for my blogs, but I also write and publish books on Amazon. The course K Money Mastery helped me with my Kindle publishing strategy. One of my books, How to Make Money Planning and Hosting Cabarets is published on Amazon and is part of their Direct Kindle Publishing program. Participation prohibits the book being available for sale on other platforms.

I’m in the process of writing an ebook for this blog and when I’m finished I will be sure to let you know. I am currently in the process of writing an ebook that I may sell on this blog. Amazon is great for the exposure, but there’s a cap on what most people expect to purchase an ebook for when on Amazon.

Online Surveys

I have to admit that I don’t make a lot of money filling out surveys. Most of it has to do with the fact that I’m not really consistent in completing them. However, I do earn money or gift cards by participating in online reward programs, which most of them offer surveys you can complete to earn points that can be redeemed for cash, gift cards and more points. Most of them also offer referral programs you can credit for sharing your link with family and friends. Click here to see which online rewards I participate in.

Selling on Craigslist and Amazon

Whenever I get low on cash or otherwise have junk I have no clue what to do with, I’ll post on Amazon or Craigslist. Now my junk may surely be someone else’s treasure, so I use the term lightly. Some items I have sold either on Amazon or Craigslist are an old Kindle, an IPad, exercise DVDs (which I probably should have kept) and many textbooks. Depending on how fast I needed the money or how much I could get for the item depended on which platform I would sell it on.

I would probably make a good side income with selling items in my home I no longer need, but I haven’t put that much effort into it. Most of it has to do with the fact that I no longer binge shop like I used to, so I have less clutter and junk just lying around. Most of what I have now is what I use and can’t seem to part with.

Affiliate Marketing

As I’ve mentioned before, I love affiliate marketing. I became involved in affiliate marketing ever since I learned what it was and decided this was how I was going to make money online. I mention affiliate marketing on this list because before I started blogging, I created and published niche sites. These websites were four or more pages surrounding one product. You may have noticed these types of sites as either product reviews and comparisons. You probably landed on a page after putting into the search bar “Which is the best diet pill to lose weight” or “iPhone vs Android” and noticed that the author gave the pros and cons and included links to purchase these products. These are affiliate links!

As bloggers we include affiliate links within our blog posts, however, these niche sites had no other purpose than to educate you on a product or service with the hope you will buy them. The purpose is not to build relationships with their readers because they don’t want you to leave with hopes of coming back, they want you to buy right then and right there.

I’ve had niche sites on diet pills, skin-lightening creams, diabetes diet plans as well as a supplement that lowers cholesterol. I don’t focus on these sites as much because they’re pretty much hands-off. I used to have about 10 niche sites, but since then I have let go of the ones that were not performing.

My goal was to create one new niche site each month, but this has had to take a back burner because I’m now laser-focused on this blog and my relationship/dating blog. You can read how I make money blogging.