Education, Tips and Tricks

How we became debt free with tools like Pigly budget calculators

Comment: Proud to partner with Pigly. Story and opinions are 100% my own

How to plan finances, manage budgets, and plan for retirement with Pigly

14 years ago my husband and I had started a family together. He has 2 boys and they were young then and we had his mortgage and both of us had debt for cars, student loans, credit cards. We would often talk about starting to consolidate as we tackle our debt with grand images of a debt free future. Then we added a third boy as we had our son together.

Then notices we didn’t recognize began arriving in the mail. Someone opened a checking account up in my husbands name and had written very large checks to several retailers. We felt so defeated.

Photo by Kelly Sikkema on Unsplash

As we began to repair the fraud (this was 2006 so it was done mainly by mail as the internet wasn’t as inclusive back then for banking), we learned a lot. We had been on the phone with claims and the bank and had been in to our branch enough that we started asking questions and they were noticing our debt. We realized that there is a way to get out of our debt and with time it looked promising. We did it all by ourselves. We did not hire anyone or pay for a service, we just busted out budget calculators (a lot) and bought a notebook and spent nights communicating and keeping on the same financial page as a couple.

How we became debt free with tools like Pigly budget calculators

Budget Calculators are the best tool

Today we have a mortgage and have been able to pay our middle son’s college expenses without loans and have begun saving for the youngest’s college. We own all of our cars and only keep 1 credit card for airline miles that we pay to a $0 balance each month to avoid interest. Credit companies actually hate us-lol. I have had friends approach asking advice and I can now send them to the websites hat did not exist for us but would have made things so much easier. Pigly is one of the best I have seen lately as a fantastic budgeting and savings tool. Pigly is a calculator portal where you can use their calculators for any planning or saving.

Whether you are starting a home buying or selling process or need to save for a child’s college you will find the budget calculators to help you plan. Best of all the site is free and ad free!

Pigly has a wide range of tools from budgeting, home loans, mortgages, savings, retirement planning and so on, so there is budget calculators relevant for just about everyone. 

I can tell you for certain that if you are committed and patient you will also be debt free in time and when that time comes there will be no greater feeling. If someone would have told me 15 years ago we’d own 3 cars, an RV, a home with only 11 years left on the mortgage and enough savings to retire (not ready yet) and put 2 children through college loan-free. If you were to tell me we’d have all that without credit card or loan debt, I would have chocked on laughter. But, here we are!

Start by gathering information and low interest, no balance transfer fee cards to consolidate onto. Pay off the lowest debts first to knock the amount of debt items down (I started in 2006 with my 8% student loan at 6K by taking our tax return to pay it off rather than a fancy trip with that money). Then meet weekly if you are a couple or take time by yourself if single with tools like a notebook and budget calculators and log into Pigly as you change/update your plan if anything new has hit or to discuss and plan for holidays and big events. Good luck!

Apps, Children's Books, Education, Kids, Parenting, Reviews, School, Tips and Tricks

2020 Back to School Guide – School Supplies, Apps, Children Books and More

2020 Back to School Guide

2020 Back to School Guide

Welcome back to another guide full of seasonal topics. Our 2020 Back to School Guide is here! This is all about school from getting your supplies ready, finding the best educational apps or books and more. If it fits the education topic, we will feature it.

Keep checking back throughout these school months and see what new topics and brands I have added! In August we will have a fun giveaway for visitors so stay tuned on the blog!

Make sure to also visit our  Summer Guide and stay tuned for the Fall-ing for Baby Series and Love Your Pet Guide coming soon!


Pick Up Sports – Virtual Sports Classes for Kids ages 3-6



Learning a Musical Instrument Has Lifelong Benefits for Children



DEAL!! Learn any Language online from anywhere with LearnLanguages24


They keep bringing the lunchbox back with veggies uneaten! You need ENOF!


Face Masks for Kids and Adults that filter particles and droplets


Paleo Pro – Primal Protein Bars to get your student through their long study nights


Wear your sunscreen and hand sanitizers for easy access! – Send your student to school with HandiGURU


College Care Packages: Succulents Subscription Boxes


Add some baked cheddar straws to their lunches – made with aged Wisconsin cheese from Mama Geraldine’s


Wander Puzzle Co is making connections with women through their designs – great for College roommates to connect!


Send the kids back to school with their personal collapsible water bottle from Nomader


Mary’s Gone Crackers – a plant-based snack for lunch


Parents of tween girls – resources as you shop for her firsts! Bleuet Girls


Calm Strips are sensory adhesives you can stick to just about anything to provide stress and fidgeting relief


Election Night, a family game that teaches math, geography and about the electoral college for ages 8+.


The New Art of Raising Happy Kids: Today’s Guide to a Strong, Confident & Caring Child – new book


Trust me! Your child will love to be rewarded for their hard school work this year from Cuddle Clones


More coming to this link up above…keep checking back!

2020 Back to School Giveaway coming soon…..

Education, Kids, Summer, Toy Reviews

Pickup Sports starter kits + live virtual coaching for young kids age 3-6

Pickup Sports starter kits + live virtual coaching for young kids

This COVID-19 can’t stop our kids but closing group classes will. This is why Pickup Sports is a great way to teach your child a sport, at home with all the gear they need. You buy the box and the access to virtual coaching classes are free.

sports box

My neighbor is busy with 3 boys and I gave her my Pickup Sports Soccer Box. It comes with all your child needs to attend the virtual class with his/her coach and more. There are basic branded balls, markers, cones, a scarf, stickers, whistle (if you dare), playbooks, pump and more. Once your box arrives head to the website, choose your sport and fill out a short form to get your child connected to virtual coaching classes.

learn soccer

Foe soccer, the classes are Mondays. Each session is 4 weeks long at one 15-25 minute class a week. The lessons are short enough to keep your child’s attention. Then they spend the week practicing what they learned before next class.

You can even choose sessions best for your child’s age: Starters (ages 3-4), Explorers (ages 4-5) and Ballers (ages 5-7). The bracket you choose depends on the time you will sign in to class.

soccer lessons for kids

More than just soccer, you can choose to have virtual coaching from the following sports for your child:

  • Intro to Tennis
  • Intro to Basketball
  • Intro to Soccer
  • Intro to Baseball/Softball
  • Intro to Flag Football
  • Intro to Volleyball
  • Motor Control, Ball Control Skills for Kids
  • Adaptive Fitness FUNdamentals (for kids with physical limitations)
family sports

This unique product is a great way for parents to teach kids how to play, improve their physical literacy, and just get outdoors and have fun! My neighbor said it was easy enough for the 3 year old to follow along too with big brother. The entire family will have fun exploring the box and playing outdoors. Buy your Pickup Sports box today to get started with virtual coaching of your favorite sport!

Education, Kids

Learning a Musical Instrument Has Lifelong Benefits for Children

Learning a Musical Instrument Has Lifelong Benefits for Children

What a child learns early on will often stick with them for the rest of their life. It’s at a young age when our brains are doing the most developing. Therefore, the more you do to help your child’s development when they are still young, the better off they will be as they get older. One great way to boost your child’s early development is by having them learn a musical instrument. Below are just some of the benefits of learning a musical instrument can provide if you teach it to a child at a young age.

Language Skills

One of the biggest things kids have to learn when they are young is how to communicate. We often teach them language skills by talking to them, reading to them, or having them watch educational videos. Another great way to teach them though is with a musical instrument. Learning music uses the same part of the brain as language does – it requires sound processing and comprehension. The more you can stimulate this part of the brain when your children are young, the easier time they will have to develop their language skills.

Discipline

A skill you’ll need your entire life is discipline. Discipline is what allows us to learn new things or get work done when we would rather be doing something more enjoyable. A common example of teaching your children discipline is providing them an allowance when they complete their chores. Music can teach the same thing, as it requires that you sit and practice it every day. You can use a musical instrument to show your children that if they work at something every day, eventually they will improve and be able to do things they couldn’t before such as learning a musical instrument

Motor Functions

Learning to play a musical instrument is a great way to develop their hand-eye coordination as well. You need to be able to get your hands to do what you want them to, based on what you are seeing and hearing. Playing a musical instrument can also require very quick or subtle finger movements. When your child practices these movements repeatedly, they will develop the fine motor skills section of their brain and make it stronger. This can help them throughout life in a number of ways, whether it’s going on to become an athlete, a surgeon, or a computer programmer. 

Creativity

Once your child learns the basics of any instrument, they’ll be able to start using their creativity with it. Children love to create their own songs or melodies on the instrument they’ve learned, both of which require creativity. Creativity, like any other skill, requires constant use in order to strengthen it. Children have plenty of creative outlets, from playing pretend to drawing, but learning a musical instrument provides them with another great one. 

Social Skills

The final major benefit of learning a musical instrument as a child is that it can help grow social skills. It’s hard to learn a musical instrument on your own, even more so when you’re a child. More than likely, to learn the instrument, they will need to attend lessons. This gets them to interact with a stranger (the teacher), and perhaps other students if it is a group lesson. Music lessons are a great way to help your child socialize with others outside the classroom, as they can spend time with strangers while also learning something fun. 

How to Get Your Child Started with Music Lessons

To give your child all of these benefits, you should start looking for ways to help them learn an instrument. If your child is old enough, you can start by asking them what instrument they might like to learn. If not, then you can pick one for them, with instruments like the guitar, recorder, and piano being some of the easier for beginners. Once you’ve decided on an instrument, it’s easy to search for lessons geared towards your child’s age in your local area.

Another option is to take lessons yourself, then teach your children. This has the additional benefit of improving your own brain function as well. According to the Lone Star School of Music, a provider of piano lessons in Austin, TX, “Learning how to play an instrument has many benefits for a mature mind. Science says music helps deal with stress and even make you smarter. It also helps stave off hearing loss and strengthens long-term memory.”

Once you’ve progressed far enough with the lessons you can begin to teach your kids. Who knows, in a few months you could be starting your own family band! But even if that doesn’t happen, helping your child learn an instrument, either through lessons or teaching them yourself, will develop skills they’ll use the rest of their lives.