Saturday, January 26, 2019

Three Important Financial Lessons To Teach Your Children

Unfortunately, most elementary, middle and high schools don't teach financial literacy and money management. This is one of the main reasons why it's so important for parents to pass down this information to their children. When you teach these important lessons to your children when they're young, you'll increase their chances of financial success in the years to come. In order to make sure this happens, make sure you introduce them to a wide range of information at a level they can really comprehend. Though there are tons of financial lessons you can teach, start with these three.

1. Hard Work Hard work is its own reward. Furthermore, hard work is required when you're looking to provide for yourself and your livelihood. Sure, there is such a thing as passive income. However, there's also active income. In order to build passive income, you need money from active income to make it happen. This is where a full-time job comes in. When you're dealing with young children, they don't have full-time jobs. However, they can learn the importance of hard work by doing well in school and helping out with a few chores around the house. Based on their performance, you can reward them with an allowance or monetary gifts for good grades. When you attach currency to certain tasks, they might be able to have a better understanding of all that's involved in providing for oneself and others.

2. Management Once the money is in their hands, it's important to make sure they understand the importance of managing the money well. In this case, teach them how to create a budget. Teach them the importance of creating categories for their money to flow to. If they spend everything they have, they'll have nothing for a rainy day. This is why a savings account is vital. Make sure your children can keep a kids money bank to store the money they decide to save.

3. Investing If they want to build wealth, your children need to understand the importance of investing. This is where it's time to introduce passive income streams and different systems like the stock market and the foreign exchange market. Always teach at a level they can understand. As you do this, they'll be able to retain the information.

Tuesday, January 22, 2019

The Ins And Outs Of Pawn Shops

The United States is home to roughly 10,000 pawn shops, says the National Pawnbrokers Association (NPA). We've all heard of pawn shops, but few of us have ever sold or pawned items to them. Let's dig into the basics of pawn stores and see how they operate.

What Does Pawn Mean?

Pawn loans have three primary characteristics: they will never appear on credit checks or financial history reports, they are typically not large, and pawnbrokers are not legally allowed to ask for the money they loaned back. Keep in mind that pawn shops also buy products from customers, meaning that customers are not able to sell those products back to pawnbrokers to get their money back as in pawn loans.

How Do Pawn Stores Make Money?

These businesses, typically owned by independent entrepreneurs, make money through a variety of methods. Pawn shops primarily engage in the following activities: making pawn loans to people and charging interest, reselling new and used items that were purchased from customers, cashing checks, sending money orders, and selling cellphone services, among others.

What's the Typical Interest on Pawn Loans?

APR stands for annual percentage rate, or the total amount of interest accumulated on a loan in a year's time. The APR of pawn loans hovers anywhere around 75 to 150 percent per year. Most pawn shops charge interest by the month at around 10 percent interest. Keep in mind that defaulting on pawn loans automatically results in the transfer of ownership of your collateral to the pawn shop.

How Much Money Do Pawnbrokers Lend?

The typical range of return on items pawned to these stores is between 25 and 60 percent of what the item's fair market value is. Pawnbrokers refuse to purchase certain types of items, though this typically depends on owners' personal preferences. Pawn shops aren't the most popular way of getting money in a pinch, though they've served countless millions of Americans over the years. They offer several unique benefits to companies in financial services and specialize in jewelry pawn shop forest park.

Friday, January 18, 2019

Mrs Renfro's Gourmet Foods Prize Pack Giveaway

Mrs. Renfro's Gourmet Foods Prize Pack Giveaway _ Ends 02_11

GIVEAWAY DETAILS

Prize: Mrs. Renfro's Gourmet Foods Prize Pack (4 jars of winner’s choice!)

Hosted by: Home Jobs By Mom

renfro foods

Sponsored by: Mrs. Renfro's

Mrs. Renfro's Gourmet Foods
See the review HERE

Rules: Use the Giveaway Tools form to enter daily. Giveaway ends 02/11 and is open to the United States. Entrants must be 18 years old to enter. Winner will be notified via email.

One lucky winner is going to win their choice of 4 Mrs. Renfro’s salsas, relishes or sauces. Enter Below and good luck!
ONE entrant will be selected by the entry form to win a Mrs. Renfro's Gourmet Foods Prize Pack. Open for entry US, 18 years and older from 01/11/19 thru 02/11/19. No purchase necessary. Void where prohibited. This giveaway is in no way endorsed, affiliated or associated with Facebook, Twitter or any other social media networking site. The winner will have 24 hours to respond to notification email to claim their prize or a new winner will be selected. Once a winner is drawn and confirmed, the name will be announced on the GiveawayTools form. Mrs. Renfro's will be responsible for sending the winner their prize.

Also we all “love it if you follow us” on Instagram!


Are you a blogger? CLICK HERE to get a FREE link added to this giveaway. Just post and report!



If you have any questions or are a brand/company and would like to work with Home Jobs By Mom please email krystle (at) homejobsbymom (dot) com or contact me. Also, to be informed of new giveaways and blogger opps sign up for our newsletter HERE.


Thank You So Much For Visiting Today!

Saturday, January 12, 2019

5 Sustainable Swaps To Make In 2019

** This post contains affiliate links which means I will be paid if you make a purchase through my links! I am very grateful for any help however, I completely understand if you would rather visit the website directly to make your purchase! **



On my journey to creating a healthier home, I’ve learned that living sustainably is all about making small changes.
Seemingly insignificant actions — like bringing your own bags to the store — add up quickly.  
One of the easiest swaps I’ve made is using Grove Collaborative. Grove makes it almost too easy to live a healthier, more sustainable lifestyle.
Grove ships your favorite green household products (carbon offset) to your doorstep, on your schedule. There’s no fee to join — you only pay for the products you buy (and the prices are always lower than my local grocery store).
There’s never been a better time to try Grove Collaborative. Right now, when you place your first order of $20 from Grove using my link, you’ll receive:
Grove Concentrates
Grove Spray Bottle
Grove Matte Caddy
Grove Walnut Scrubber Sponges

(Existing customers will receive Grove Walnut Scrubber Sponges!)

Plus, if new customers spend $39 you will receive all of the above AND a Grove Stoneware Tray!
When you shop Grove, you’ll find lots of better-for-you versions of the products you use every day. Here are five sustainable swaps I’m making in the New Year:
  1. Refillable hand soap: Hand soap refills are an easy way to save money and reduce plastic waste. Instead of a single-use dispenser that you toss after a few weeks, you can refill this glass dispenser year after year. Grove’s hand soap pouches use 60% less plastic than a bottle of the same size and contain approximately 3 refills.
  2. Refillable dish soap: I’ve always loathed the plastic bottle of dish soap sitting on the counter, but haven’t been able to find an alternative until now. Grove’s refillable dish soap dispenser looks great sitting next to the sink while helping me cut back on single-use plastic.
  3. Seedling paper: Instead of vowing never to use paper towels again, I’m making the switch to Grove’s new tree-free paper towels. They’re made from bamboo pulp, which can hold 3x its weight in water! Switching to Seedling paper towels, toilet paper, and tissues is an easy way to protect the environment without compromising on effectiveness.
  4. Beeswrap: Sometimes, you just need a piece of plastic wrap to cover a wedge of cheese or keep a loaf of bread fresh. When that happens, I’ll be reaching for Beeswrap. Beeswrap is a beeswax-coated cloth food wrap that you can rinse and reuse. It keeps food fresh and looks cute sitting on the counter.
  5. Cleaning concentrates: Not only are clunky bottles of cleaner a pain to carry in from the car, they create so much plastic trash. Grove Collaborative’s cleaning concentrates deliver the same cleaning power I’m used to, minus the waste! Plus, the glass bottle is so much prettier than the typical plastic ones.
Bonus tip: Once you’ve submitted your Grove order, you’ll be signed up for the free 60 day VIP trial. For 60 days, save even more with free shipping, free gifts, price matching, exclusive sales and personal service. And if you spend $39, you’ll also receive a beautiful stoneware tray for free!




Friday, January 11, 2019

Pups Save Puplantis DVD GIveaway

Pups Save Puplantis DVD Giveaway

Welcome to the Pups Save Puplantis DVD Giveaway!

1 Winner

This giveaway is part of our Valentine's Day Gift Guide – Stop by to see all the giveaways and great products.

Host that put together this giveaway is SaraLee’s Deals, Steals, and Giveaways

My co-host for this giveaway are Michigan Saving and More
Below is a list of all the bloggers involved in the gift guide giveaways.

~~~~~~~~~~~~~~~~~~~~~~~~
This giveaway's Sponsor is:

Nickelodeon Jr

The PAW Patrol are diving back in for 6 underwater adventures! Join Marshall, Chase, Zuma, Skye, Rubble, and Rocky as they save Puplantis, rescue a wiggly whale and save the Sea Patroller from Pirates!

Pups Save Puplantis DVD

up to $9.99 rv
See the review HERE.

~~~~~~

THE GIVEAWAY

This giveaway/sweepstakes is in no way endorsed, affiliated, or associated with Facebook, Twitter or any other Social Media Networking Site. This Giveaway is valid to United States residents only, Entrants must be 18+ years of age to enter. This giveaway event will end at 11:59 PM (EST) 2/1/19. The winner will have 48 hours to email their information back to SaraLee at s8r8l33 at yahoo.com or a new winner will be drawn, you may want to put this email address as safe as it could go to spam. The giveaway is not valid where prohibited! By entering you are authorizing us to collect the information on the form below, this information is used only to contact the winner! No purchase necessary, Void where prohibited by law, and the number of eligible entries received determines the odds of winning. Winners are chosen randomly by the Giveaway Tools program. The sponsors are each responsible for shipping of the above prizes. No blog associated with this contests are responsible for prize fulfillment. If you would like to be a sponsor in a giveaway like this please email SaraLee at s8r8l33 at yahoo.com. If you take an entry you must stay following for the entire contest or you will be disqualified.

Also we all “love it if you like us” on Facebook! If you like our blogs on social media it helps us bring you only the best giveaways and more of them! Don't forget to stop by for your daily bonus entries.

Enter below and Good Luck!

Thursday, January 10, 2019

Wiivv GIveaway

wiivv

GIVEAWAY DETAILS

One lucky winner is going to win a pair of completely custom sandals from Wiivv.

Prize: $129 Wiivv custom fit sandals ~ Winner Chooses Colors!

Hosted by: Home Jobs By Mom

Sponsored by: Wiivv

Rules: Use the Giveaway Tools form to enter daily. Giveaway ends 01/30 and is open to the United States. Entrants must be 18 years old to enter. Winner will be notified via email.

READ THE REVIEW HERE & HOW TO ORDER WIIVV
Enter Below and good luck!

You can enter more giveaways on the sidebar or main menu too!


Also we all “love it if you follow us” on Instagram!

Don’t forget to stop by for your daily bonus entries 😉


One entrant will be selected by the entry form to win one pair of custom sandals from Wiivv. Open for entry US, 18 years and older from 12/30/18 thru 01/30/18. No purchase necessary. Void where prohibited. This giveaway is in no way endorsed, affiliated or associated with Facebook, Twitter or any other social media networking site. The winner will have 24 hours to respond to notification email to claim their prize or a new winner will be selected. Once the winner is drawn and confirmed, the name will be announced on the GiveawayTools form. Wiivv will be responsible for sending the winner their prize.

Are you a blogger? CLICK HERE to get a FREE link added to this giveaway. Just post and report!


If you have any questions or are a brand/company and would like to work with Home Jobs By Mom please email krystle (at) homejobsbymom (dot) com or contact me. Also, to be informed of new giveaways and blogger opps sign up for our newsletter HERE.


Thank You So Much For Visiting Today!

California Design Den Sheets Giveaway

California Design Den Sheets Giveaway Ends 1/31

Welcome to the California Design Den Sheets Giveaway!

1 Winner

This giveaway is part of our Valentine's Day Gift Guide – Stop by to see all the giveaways and great products.

Host that put together this giveaway is SaraLee’s Deals, Steals, and Giveaways

My co-host for this giveaway are Michigan Saving and More
Below is a list of all the bloggers involved in the gift guide giveaways.

~~~~~~~~~~~~~~~~~~~~~~~~
This giveaway's Sponsor is:

California Design Den

Dedicated to delivering high-comfort bedding that’s on-trend and built to last, California Design Den™ is your source for linens that strike a perfect balance between trend-setting style and premium construction. Their team has decades of experience bringing together bedding collections for savvy customers and top retailers around the globe.

400-Thread-Count 100% Cotton Sheets

up to $54.99 rv
color and size of choice
See the review HERE.

~~~~~~

THE GIVEAWAY

This giveaway/sweepstakes is in no way endorsed, affiliated, or associated with Facebook, Twitter or any other Social Media Networking Site. This Giveaway is valid to United States residents only, Entrants must be 18+ years of age to enter. This giveaway event will end at 11:59 PM (EST) 1/31/19. The winner will have 48 hours to email their information back to SaraLee at s8r8l33 at yahoo.com or a new winner will be drawn, you may want to put this email address as safe as it could go to spam. The giveaway is not valid where prohibited! By entering you are authorizing us to collect the information on the form below, this information is used only to contact the winner! No purchase necessary, Void where prohibited by law, and the number of eligible entries received determines the odds of winning. Winners are chosen randomly by the Giveaway Tools program. The sponsors are each responsible for shipping of the above prizes. No blog associated with this contests are responsible for prize fulfillment. If you would like to be a sponsor in a giveaway like this please email SaraLee at s8r8l33 at yahoo.com. If you take an entry you must stay following for the entire contest or you will be disqualified.

Also we all “love it if you like us” on Facebook! If you like our blogs on social media it helps us bring you only the best giveaways and more of them! Don't forget to stop by for your daily bonus entries.

Enter below and Good Luck!

Tuesday, January 8, 2019

$100 Amazon Gift Card Giveaway

$100 Amazon Gift Card Giveaway _ Ends 1_31

GIVEAWAY DETAILS

Prize: $100 Amazon Gift Card

Hosted & Sponsored by: Home Jobs By Mom

Rules: Use the Giveaway Tools form to enter daily. Giveaway ends 01/31 and is open to the United States or anywhere that can redeem an Amazon gift card. Entrants must be 18 years old to enter. Winner will be notified via email.

Good Luck! Enter Below

Also, you can enter more giveaways on the sidebar or main menu!


Also we all “love it if you follow us” on Instagram!

ONE entrant will be selected by the entry form to win a $100 Amazon Gift Card. Open for entry US (or anywhere that can redeem an Amazon gift card), 18 years and older from 01/03/18 thru 01/31/18. No purchase necessary. Void where prohibited. This giveaway is in no way endorsed, affiliated or associated with Facebook, Twitter or any other Social Media Networking Site. The winner will have 24 hours to respond to notification email to claim their prize or a new winner will be selected. Once a winner is drawn and confirmed, the name will be announced on the GiveawayTools form. Home Jobs By Mom will be responsible for sending the winner their prize.

Are you a blogger? CLICK HERE to get a FREE link added to the giveaway. Just post and report!

If you have any questions or are a brand/company and would like to work with Home Jobs By Mom please email krystle (at) homejobsbymom (dot) com or contact me. Also, to be informed of new giveaways and blogger opps sign up for our newsletter below or CLICK HERE.

Thank You So Much For Visiting Today!

Winning Moves For Adults And Kids Giveaway

Winning Moves For Adults and Kids Giveaway Ends 1/28

Welcome to the Winning Moves For Adults and Kids Giveaway!

1 Winner

This giveaway is part of our Valentine's Day Gift Guide – Stop by to see all the giveaways and great products.

Host is Michigan Saving and More

My co-hosts for this giveaway are Deliciously Savvy, SaraLee’s Deals Steals & Giveaways
Below is a list of all the bloggers involved in the gift guide giveaways.

~~~~~~~~~~~~~~~~~~~~~~~~
This giveaway's Sponsor is:

Winning Moves Games

Winning Moves Games has games that both adults and kids love.

KOZO

$20.95 rv
See the review HERE.

Stink Bug

$17.95 rv
See the review HERE.

Rubik's Junior Puppy

$12.95 rv
See the review HERE.

13 Dead End Drive

$30.95 rv
See the review HERE.

~~~~~~

THE GIVEAWAY

This giveaway/sweepstakes is in no way endorsed, affiliated, or associated with Facebook, Twitter or any other Social Media Networking Site. This Giveaway is valid to United States residents only, Entrants must be 18+ years of age to enter. This giveaway event will end at 11:59 PM (EST) 1/28/19. The winner will have 48 hours to email their information back to las93063 at gmail dot com or a new winner will be drawn, you may want to put this email address as safe as it could go to spam. The giveaway is not valid where prohibited! By entering you are authorizing us to collect the information on the form below, this information is used only to contact the winner! No purchase necessary, Void where prohibited by law, and the number of eligible entries received determines the odds of winning. Winners are chosen randomly by the Giveaway Tools program. The sponsors are each responsible for shipping of the above prizes. No blog associated with this contests are responsible for prize fulfillment. If you would like to be a sponsor in a giveaway like this please email Laura Smith at las930 (at)gmail (dot) com. If you take an entry you must stay following for the entire contest or you will be disqualified.

Also we all “love it if you like us” on Facebook! If you like our blogs on social media it helps us bring you only the best giveaways and more of them! Don't forget to stop by for your daily bonus entries.

Enter below and Good Luck!

GuruNanda Aromatherapy White Tower XL Diffuser Giveaway

The GuruNanda Aromatherapy White Tower XL Diffuser Giveaway @SMGurusNetwork @GuruNandaEO

Welcome to The GuruNanda Aromatherapy White Tower XL Diffuser Giveaway ($150 RV)!

1 Winner

This giveaway is part of our Valentine's Day Gift Guide – Stop by to see all the giveaways and great products.

Host is Deliciously Savvy

Below is a list of all the bloggers involved in the gift guide giveaways.

This giveaway's Sponsor is:

WEBSITE ~ FACEBOOK ~ TWITTER ~ INSTAGRAM ~ PINTEREST

1 Lucky Winner will receive a GuruNanda White Tower XL Diffuser Unit PLUS 2 Bottles Of Essential Oils To Get You Started (Breathe Easy & Calming Sleep) $150 TRV!
See the review HERE.
This giveaway/sweepstakes is in no way endorsed, affiliated, or associated with Facebook, Twitter or any other Social Media Networking Site. This Giveaway is valid to United States residents only, Entrants must be 18+ years of age to enter. This giveaway event will end at 11:59 PM (EST) 2/14/19. The winner will have 48 hours to email their information back to mcushing7 at hotmail dot com or a new winner will be drawn, you may want to put this email address as safe as it could go to spam. The giveaway is not valid where prohibited! By entering you are authorizing us to collect the information on the form below, this information is used only to contact the winner! No purchase necessary, Void where prohibited by law, and the number of eligible entries received determines the odds of winning. Winners are chosen randomly by the Giveaway Tools program. The sponsors are each responsible for shipping of the above prizes. No blog associated with this contest are responsible for prize fulfillment. If you would like to be a sponsor in a giveaway like this please email Melissa Cushing at mcushing7 (at)hotmail(dot) com. If you take an entry you must stay following for the entire contest or you will be disqualified.

Also we all “love it if you like us” on Facebook! If you like our blogs on social media it helps us bring you only the best giveaways and more of them! Don't forget to stop by for your daily bonus entries.

Enter below and Good Luck!
Deliciously Savvy was compensated and/or received free product in exchange for an honest and unbiased review and all opinions are my own. Thanks for stopping by and enjoy!

Friday, January 4, 2019

Are You The Mastermind Giveaway

Are You The Mastermind Giveaway Ends 1/24

Welcome to the Are You The Mastermind Giveaway!

1 Winner

This giveaway is part of our Valentine's Day Gift Guide – Stop by to see all the giveaways and great products.

Host is Michigan Saving and More

My co-hosts for this giveaway are Deliciously Savvy, SaraLee’s Deals Steals & Giveaways
Below is a list of all the bloggers involved in the gift guide giveaways.

~~~~~~~~~~~~~~~~~~~~~~~~
This giveaway's Sponsor is:

Pressman Toy

Test your code-cracking prowess with Mastermind, the challenging game of logic and deduction. Can you crack the code in 10 moves or less? Can you create a code that can’t be cracked?

This is a great idea for winter time too! If you plan on getting snowed in this season, or if you're having friends over, this would be a great addition to game night!
Older kids would have a blast with this. Plus, it teaches STEM and STEAM principles like deductive reasoning and logic.
Mastermind

Mastermind

$15.99 rv
See the review HERE.

~~~~~~

THE GIVEAWAY

This giveaway/sweepstakes is in no way endorsed, affiliated, or associated with Facebook, Twitter or any other Social Media Networking Site. This Giveaway is valid to United States residents only, Entrants must be 18+ years of age to enter. This giveaway event will end at 11:59 PM (EST) 1/24/19. The winner will have 48 hours to email their information back to las93063 at gmail dot com or a new winner will be drawn, you may want to put this email address as safe as it could go to spam. The giveaway is not valid where prohibited! By entering you are authorizing us to collect the information on the form below, this information is used only to contact the winner! No purchase necessary, Void where prohibited by law, and the number of eligible entries received determines the odds of winning. Winners are chosen randomly by the Giveaway Tools program. The sponsors are each responsible for shipping of the above prizes. No blog associated with this contests are responsible for prize fulfillment. If you would like to be a sponsor in a giveaway like this please email Laura Smith at las930 (at)gmail (dot) com. If you take an entry you must stay following for the entire contest or you will be disqualified.

Also we all “love it if you like us” on Facebook! If you like our blogs on social media it helps us bring you only the best giveaways and more of them! Don't forget to stop by for your daily bonus entries.

Enter below and Good Luck!

Thursday, January 3, 2019

The Original PeachSkinSheets.com Giveaway

The Original PeachSkinSheets.com Giveaway! 1 Winner (Any Size/Any Color) @SMGurusNetwork @PeachSkinSheets


Welcome to The Original PeachSkinSheets.com Giveaway!

1 Winner

This giveaway is part of our Valentine's Day Gift Guide – Stop by to see all the giveaways and great products.

Host is Deliciously Savvy

Below is a list of all the bloggers involved in the gift guide giveaways.
This giveaway's Sponsor is:

1 Lucky Winner will receive any size set of sheets, in the winners choice of color, from PeachSkinSheets.com! They are fabulous and if you are on the market for new bedding and/or sheets... you must give these a try. Check out their selection today!
See the review HERE.

This giveaway/sweepstakes is in no way endorsed, affiliated, or associated with Facebook, Twitter or any other Social Media Networking Site. This Giveaway is valid to United States residents only, Entrants must be 18+ years of age to enter. This giveaway event will end at 11:59 PM (EST) 2/07/19. The winner will have 48 hours to email their information back to mcushing7 at hotmail dot com or a new winner will be drawn, you may want to put this email address as safe as it could go to spam. The giveaway is not valid where prohibited! By entering you are authorizing us to collect the information on the form below, this information is used only to contact the winner! No purchase necessary, Void where prohibited by law, and the number of eligible entries received determines the odds of winning. Winners are chosen randomly by the Giveaway Tools program. The sponsors are each responsible for shipping of the above prizes. No blog associated with this contests are responsible for prize fulfillment. If you would like to be a sponsor in a giveaway like this please email Melissa Cushing at mcushing7 (at)hotmail(dot) com. If you take an entry you must stay following for the entire contest or you will be disqualified.

Also we all “love it if you like us” on Facebook! If you like our blogs on social media it helps us bring you only the best giveaways and more of them! Don't forget to stop by for your daily bonus entries.

Enter below and Good Luck!
Deliciously Savvy was compensated and/or received free product in exchange for an honest and unbiased review and all opinions are my own. Thanks for stopping by and enjoy!