Category Archives: Money/Budget

DIY: Recreate Your Wardrobe

Filed under: College Life, DIY & Crafts, Fashion, Money/Budget, Tips - Angelina
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Darlene Megino Blogger Biography

 

 

 

 

Fashion trends are continuously changing. Rather than buying new clothes to keep up with the trends, reuse old clothing items and recreate them into new fashion pieces and save on money! These do-it-yourself fashions will allow you to use your creativity and customize your clothing.

1. Graphic Tees

Graphic tees are a fun trend that never seem to go out of style. Rather than buying the latest graphic tee trend, make your own! Check out Ann Lee’s DIY videos for instructions on how to make your own fun and festive graphic tees. She even goes into details on how to transform your graphic tee into a tank top without any sewing! All you need is scissors, a scrap t-shirt, printed fabric for the design or old patterned shirts, heat and bond, glue and an iron! Watch her detailed video here:

2. Skirts & Dresses

Infinity scarves are the perfect winter accessory! If you have tons of infinity scarves, you’ll love transforming them into several different skirts and dresses. April shows you how to make your infinity scarf into the latest skirt and dress styles. Ranging from the trendy peplum skirt to the classic sweetheart dress. Check out April’s DIY video here:

3. Statement Beanies

Beanies are an accessory that are perfect for any season. Statement beanies have been extremely trendy this past winter. Rather than spend tons of money on beanies, get creative and make your own! All you need are the beanie hats ($5 at local Target/Walmart), decal stickers (Michaels/Joann Fabrics), a piece of fabric, and an iron. Check out Lauren’s detailed instructions on how to make you own beanie here:

If you are trying to budget your spending, but still want to keep up with the latest fashion trends, try out these awesome DIY fashion ideas! What other ideas do you have to get creative with what’s in your closet?

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Credit Card Craze: Tracking Your Spending

Filed under: College Life, Money/Budget, Tips - Angelina
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Angelina Bossone Blogger Biography

 

 

 

 

Now that the holidays are over, hopefully your spending has slowed down or stopped for at least a little while. Now is the time more than ever to remind yourself to be responsible with your money and spending habits. It is so easy, especially as a college student, to habitually buy that morning cup of coffee, that weekly pizza dinner, or those drinks down at the bar with friends. It is easy not to think about how much you are spending when you are swiping a piece of plastic.

Here are a few ideas to help you become aware of your spending:

1. Use Cash – Not Plastic

We live in a world of plastic with debit and credit cards. Debit cards can be dangerous since they are linked directly to your checking account. You may not care about how much you are spending because as long as your spending is below the amount in your account you are good, right? Wrong. Just because you have money in your account doesn’t mean you should spend it. I find that when I use cash instead of plastic, I am more aware of my money. When you physically hand over cash, you can see that it is gone and that it is no longer with you. You can also see that the more you hand over, the more you are spending. And when it’s gone, it’s gone, unlike the plastic which is always there to entice you.

Spending Cash Money Instead of Plastic

Photo © Savvy Sugar

2. Limit Credit Cards

Credit cards can be just as dangerous because you think you have a limit that you can easily pay off later. Credit cards are not the same as debit cards. Credit cards contain no value. I do not use my credit card unless I know I already have that exact amount in my checking account that I can pay off right away. I typically only use my credit card for smaller purchases and use it only once in a while. It is not my first method of payment, and it shouldn’t be yours either.

Credit Card Money Spending

Photo © MSN Money

3. Monthly Budget Sheet

It is a huge benefit to write out your monthly expenses and your monthly income. Write out specific details such as how much you spend per month on groceries, bills, dining, entertainment, saving (yes, this should be included), gas, etc and subtract that total from your monthly income. This helps you become aware of where your money is going each month. You can then see if you spent under or over your monthly limit for each category and determine how well you are managing your income. Tip – use an Excel spreadsheet and put in the calculating formulas so it will automatically do the math for you on what your total expenses and remaining income is.

Excel Spreadsheet Monthly Income Budget

Photo © scio

Money is hard to get these days and can be gone in the blink of an eye! It’s okay to have fun every one in a while, but just be sure you are not getting crazy with those credit cards and are aware of your spending!

What are some ways you track your spending?

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How To Un-Spend From The Holidays

Filed under: Money/Budget, Seasonal Celebrations, Tips - Angelina
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Angelina Bossone Blogger Biography

 

 

 

 

If you are like me, you love to go all out for the holiday season and spoil everyone you love with gifts! Sometimes though, I will admit, I spent much more than I should. I can’t help it though! I want to get things for friends and family that I know they will love. However, there could be a plus side – usually, you can reap on the returns!

Broke empty wallet

Photo © teklic

Cash is always one of the best gifts to give/receive, especially when you are a college student. And I can usually count on getting cash in some form from at least one person, whether it be from my parents, my grandpa, an aunt, or a brother. Of course I don’t expect it and I appreciate it anything I get from anyone.

If I do end up getting cash for the holidays, it instantly goes into my savings. I know Christmas cash usually means instant shopping spree for that thing you have really been wanting, but by saving it I see it as going towards the gifts I purchased for everyone else!

Saving Cash Piggy Bank

Photo © Quizzlewire

I then instantly feel better since I feel as though I spent less initially. Saving money is not easy to do, especially this time of the year. However, if you think of incoming money as paying off money you have spent, you will gladly hold on to it rather than spend it.

How do you deal with overspending on the holidays?

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Homemade Gifts

Filed under: DIY & Crafts, Money/Budget, Seasonal Celebrations, Tips - Angelina
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Serena Piper Blogger Biography

 

 

 

 

Last minute Christmas shopping can be stressful, but to save time and money, maybe consider a few homemade DIY gifts that will really make a meaningful holiday gift.

1. Candles

Homemade candles not only smell delicious, they are also a creative addition to any room in your house. You can find candle making kits at almost any craft shop, or you can use this recipe. You can even buy some scented oils to add to your candles. Cinnamon, pine, or even peppermint are the perfect holiday scents!

Homemade Candles

Photo © manufactum

2. Ornaments

A personalized touch to the tree is never a bad thing. You can make popsicle reindeer, spoon Santas and Mrs. Clauses, or my favorite, “Swirl-a-balls.” You can find all the supplies to make these inexpensive ornaments at a craft store. Homemade ornaments might be small gifts, but who doesn’t love something homemade?

Reindeer Christmas Ornaments

Photo © spoonful

3. Jewelry

Again, all the supplies you need to make a bracelet, necklace, or even a regular keychain can be found at a craft store. Find out your friend’s or a family member’s favorite color and you can find the corresponding beads to match! I like picking out funky beads with random shapes, animal faces, or even letters for initials. You can also buy beads to spell out a special phrase or inside joke. You also don’t have to buy regular old fishing line for jewelry – use cord, rope, or hemp!

DIY Craft Homemade Bracelet Jewelry

Photo © Sometimes Homemade

4. Photo Collage

Photo collages are a great way to show someone how much you appreciate them. Pick out your favorite photos together and you can either place them in a fancy frame with pre-cut shapes, or simply pick out the frame and add your own personal touches using scrapbook paper, pieces of dried flowers, or even twigs from the woods. Anything you add is sure to personalize it!

Happy Holidays Photo Collage Gift

Photo © 365loveideas

5. Dessert

Mmmm, something delicious to nibble on around the fire or at parties? How could a person say no? Do a bit of digging to find out their favorite guilty pleasure and surprise them with it! If you can’t figure out what to make, fudge and peppermint bark never disappoint!

DIY Homemade Fudge Gift

Photo © momswhothink

 

Will you be making homemade Christmas presents? What will you make? Let us know in the comments!

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10 Gifts Under $10

Filed under: Money/Budget, Seasonal Celebrations, Tips - Angelina
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Sylwia Baran Blogger Biography

 

 

 

 

The holiday season is here and so the shopping begins. If you’re like me, you’re breaking your piggy bank right about now and using every penny you can find. It’s also a huge hassle figuring out what to buy for each person. To help keep your holiday spending low, I have come up with ten different gift ideas that are all under $10.

1. Fuzzy Socks

The holidays are all about getting cozy and what’s more cozy than fuzzy socks? Depending on who you’re shopping for, choose a pair that fits their personality.

Fuzzy Socks Holiday Gift

Photo © Abercrombie & Feast

2. Coffee Mug

Everyone drinks something hot, whether it be coffee, tea, or hot chocolate. There is an infinite variety of mugs out there that are cheap and you can find one that perfectly fits the person you’re shopping for. To supplement the mug, place a packet of hot cocoa inside before you wrap it.

Coffee Mug Holiday Gift

Photo © Top Dreamer

3. Used Novel

For a very personal gift, go to a used-books store and pick out your favorite novel. Write something personal on the inside cover for an added touch!

Used Novel Reading Book Gift

Photo © PhatCatVintage

4. Winter Hat

You can’t go wrong with a winter hat! You can go for a goofy monkey hat or a thick furry one, either way it’s always a big hit.

Winter Hat Gift

Photo © aliexpress

5. Homemade Cookies

If you can bake, bake a batch of holiday cookies, tie them up with a nice ribbon and give them out as gifts. They are a personal and tasty gift!

Homemade Cookies Gift

Photo © saveroomfordessert

6. Scented Candle

This is a perfect gift for moms or any female. You can buy a large holiday candle to accommodate the person’s favorite scent.

Red Scented Candle Gift

Photo © Ikea

7. Box of Chocolates

If you’re visiting someone for the Holidays, this is a great gift for the host. Who doesn’t like chocolate?

Box of Chocolates

Photo © flowerno5

8. Gift Bag of Travel Minis

If you know someone who has travel plans coming up, get some travel-size goodies. Pick a variety of travel-size minis such as toothpaste, shampoo, soap, and lotion and throw them into a gift bag for your future traveler.

Travel Size Toiletries

Photo © Couponing 101

9. Gift Card

Pick up a $5 or $10 gift card to their favorite coffee shop, store, or restaurant. Sometimes the simplest and smallest gifts are the most appreciated.

Visa Gift Card Gift

Photo © FreeStuffWorld

10. Lend a Hand

Not all gifts have to be store-bought. You may know someone who needs help moving or your mom might need her driveway shoveled, either way doing someone a favor or lending a helping hand can be the best gift of all.

Shoveling Driveway Snow

Photo © tommelodaywerner

 

Do you have any holiday gift ideas you’d like to share? Tell us in a comment below!

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