Creating A Budget: As Easy As 1…2…3

home-budget-01One of the biggest challenges that teens and college students face with their finances is budgeting. The word budgeting can seem like a time consuming and complex task; however, creating a budget can be simple and save time and money in the long run. Start budgeting your money by following Money MindEd’s three easy steps to creating a monthly budget.

Step One: The first step to creating your budget is determining your monthly income and expenses. Try keeping a money diary for a month. Record you’re income, money earned, such as a part time job, allowance, or gift money and your expenses, money spent or set aside for saving. At the end add up your entries to determine your monthly income and expenses. Read more…

Spooky Halloween Decor on a Budget

mummypumpkins1Decorating for the holidays can be a festive and fun activity that is key for celebration. When throwing a Halloween party it is especially necessary to create a frightful atmosphere for guests. Major retailers and party stores crowd the aisles during this time of year with Halloween decorations; however, it is not necessary to break the bank when it comes to decorating for Halloween. Do it yourself projects can serve as a great way to cut down on decorating costs. Listed below our a few simple and inexpensive Halloween decorating ideas:

Jack-O-Lantern Luminary Bags: These jack-o-lantern luminary bags will light the way to your haunted house. They are easy and inexpensive to make, all you need is orange paper sack bags, scissors, tea light candles, and a little sand or gravel from the garden. Begin by cutting jack-o-lantern faces into the front of the paper sack bags, then fill the paper sack bags with sand or gravel and stabilize the candle. Line the luminary bags on the walkway to your home to create a spooky scene. Read more…