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Category: Earning & Managing Money

Becoming a WAHM: It’s work – Part 1

One of the emails I receive time and again is from moms who want to
find a way to earn money from home. While I don’t consider myself to be
a WAHM (work-at-home-mom) expert, I have worked from home for five
years now and have learned a lot along the way. This series is for
those of you who are contemplating working from home, those of you who
think you’d really love to work from home, and those of you who just
wonder what working from home involves.

I’ve read a lot of books and articles over the years on the subject
of working from home and find that often they are somewhat unrealistic. This series will not
be about get-rich-quick schemes (I hope you know by now that there is
no such thing!), how to work for one hour a week and make $100,000 a
year (that’s also a fairy tale!), or how making money from home is a
simple, easy thing.

What I will aim to share with you is my personal journey in
becoming a WAHM,  what things have and haven’t worked for me, what I
wish someone had told me when I was first contemplating starting a
business from home, and how you, too, can become a WAHM.

As I’ve mentioned in the past, I’m currently making a good income
from home–last year, I made the equivalent of a good part-time job and
this year, if things continue to go the way they are going, I will
likely double that figure. I’m doing the majority of my work in the
early morning hours and during my girls’ afternoon quiet time/naptime
and am thrilled to have the opportunity to bring in a good income while
not neglecting my most important priorities–that of being a wife and
mom.

I’m sure many moms could look at me and want what I have–the
ability to make a good income while staying at home, choosing my own
hours, and taking care of my husband, home, and family first. I can
take a day off (or even a few days off!) whenever I like and
the money continues to come in at the same rate because of the many
multiple streams of income I’ve set in place.

All this might sound really cool (and it is!) but what most people
often don’t add into this equation are the countless hours, days,
weeks, months, and even years that I spent building my online earnings up to the point they are at. I
do not care to recall all the failed income-earning things I’ve tried
nor the incredibly naive mistakes I’ve made. You don’t want to know
about the sleep I’ve missed or the outside opportunities I’ve had to
say “no” to in order to stay focused at keep at it–even when the going
got tough.

The effort has paid off and I’m now reaping the fruits of my labors
(though I’m still making lots of mistakes and I’m sure I’ll continue to
do so until the day I die!), but I won’t ever forget the struggles I
had to go through to get me where I’m at or the mountains I’ve had to
climb along the way.

I am a firm believer that, with God’s blessings and lots of hard work, anyone can successfully work from home. However, I will be the first to tell you that working from home is just that–work.
I’m by nature a positive person but I won’t sugar-coat the truth when
it comes to working from home: if you are not prepared to put in lots
and lots and lots of time and effort, working from home won’t work for you.

So, before you even consider working from home, I cannot stress how important it is that you are prepared for the long-haul. It often takes months or even years
to see results and steady, reliable income. If you stick with it,
though, it will eventually pay off–and likely it could pay off beyond
your wildest imaginations!

Just for fun: How many of you currently work from home? Tell us a little about what you do and what has and hasn’t worked for you.

What have you made yourself?

Simply Thrifty has a post up here (hat-tip to Lavonne!) with links to directions for 100 different things you can make yourself.

Just for fun, I’d love to know which of these items you’ve made yourself. Check out the list here and then tell us in the comments section!

Here’s what I’ve made from the list (not necessarily using the same directions, though):

Applesauce
Syrup
Jelly
Guacamole
Salsa
Gravy
Wedding Cake
Pancake Mix
Icecream
Pizza
Pickles
Playdough
Bubbles
Books
Laundry detergent
Baskets
Paper
Rubber Stamps
Jewelry
Candles
Skirt
Blouse
Bread
Pretzels
Doughnuts
Bagels
Tortillas

Now, not all of the items from the above list were great successes, but I have tried my hand at making them at least once. What about you? Oh and feel free to tell us if there are other things you’ve made which weren’t on this list, too!

I have a hunch that there’s probably at least a reader or two who has
made just about every single one of those 100 things. Some of you are
just amazing!

The Master List of Kids Eat Free (and Almost-Free) Restaurant Deals

 Kids eat FREE at ALL of these restaurants! This is a massive list!

This list was last updated in February 2018. As always, these deals may vary by region/store. Check with your local stores ahead of time to see if they participate.

Kids Eat Free

Atlanta BreadAtlanta Bread: Tuesdays 4pm – close—One free kids meal per adult purchase.

backyardBackyard Burgers: Tuesdays—Buy one adult combo meal and get a kids meal free for kids 12 and under from 4 pm to close.

Baja FreshBaja Fresh: Sundays—Free kids meal with an entree and large drink purchase.

Beef ‘O’ Brady’sBeef ‘O’ Brady’s: Tuesdays from 4-8 p.m.— Kids ages 12 and under can get anything off the kids’ menu with the purchase of an adult entrée.

bennigansBennigan’s: Tuesdays after 4pm—Kids 12 and under eat free with the purchase of an adult entree.

blackBlack Eyed Pea: Tuesdays—Kids 12 and under eat free. One item from the kids menu is free with each purchased adult entrée from 5 pm to close.

bluemesaBlue Mesa Grill: Sundays—Kids 5 and under eat free with the purchase of adult brunch from 9 am to 3 pm. Check individual locations for participation.

bobevansBob Evans: Tuesdays—Free Kids’ Meal with every Adult meal purchased after 4pm.

brustersBruster’s Real Ice Cream: Daily—Kids under 40 inches receive a free baby cone.

Captain D’sCaptain D’s: On Tuesdays and Thursdays—Kids can eat for free. Limit of 2 free kids meals per adult entree purchased.

Chick-fil-AChick-fil-A: Tuesdays between 5:30-7:30 p.m.—Kids eat free with the purchase of an adult combo meal. NOTE: some locations charge $0.99 per kids meal.

ciciCici’s Pizza: Daily—Kids 3 and under eat free. Ask server for specific details.

culvers_logoCulver’s: Daily—Kids 12 and under receive a free custard with the purchase of a meal.

dennysDenny’s: Tuesdays—Kids eat free from 4-10 pm. Restrictions may apply. Ask your server for details.

DICKEY'S BARBECUE LOGODickey’s Barbecue Pit: Sundays—Kids 12 and under eat free. One free kids meal for every adult meal purchased.

doubleDouble Dave’s Pizza: Daily—Free kids buffet with purchase of an adult buffet. Qualifying age varies by locations, so call ahead or check with your server.

firehouseFirehouse Subs: Wednesdays—Kids eat free with the purchase of an adult combo. Participating restaurants only. Varies by location.

Freebirds World BurritoFreebirds World Burrito: Tuesdays from 10:30am – 9pm—Kids 11 and under get a free burrito or quesadilla meal with the purchase of an adult entrée.

Fricker’sFricker’s: Daily—Kids can eat free all day, every day – valid for dine in only.

gattitownGatti Town: Wednesdays—Kids 10 and under get free kid’s buffet with the purchase of adult buffet at regular price. Limit 1 child per adult.

Genghis GrillGenghis Grill: Tuesdays—Kids 12 and under can eat Free with the purchase of an adult full-price bowl.

Godfather’s PizzaGodfather’s Pizza: Tuesdays—Kids aged 10 and under can eat for free from 11am-2pm and 5pm-8pm at the buffet.

Golden Corral LogoGolden Corral: Mondays—Kids 10 and under eat free from 5-9 pm. Two kids per adult. Kids 3 and under are always free.

ihopIHOP: Monday, Tuesday, and Wednesday—Kids 12 and under eat free from 4-8 pm. One kids’ menu item per adult entree. Drinks not included.

ikeaIKEA: Tuesdays—Kids eat free at some locations. Check with local store for qualifying ages and participation. There are also specials throughout the year. Check the store page for your local store to see current specials.

Jason's DeliJason’s Deli: Wednesdays—Kids eat free all day. One free kids’ meal per paying adult.

Jose Pepper'sJose Pepper’s: Sundays—Kids eat free all day at Jose Pepper’s.

LoneStarSteakhouseLone Star Steakhouse: Tuesdays—Kids eat free all day. One child entree with each paid adult entree. Not valid in Orlando, FL.

lubysLuby’s Cafeteria: Wednesdays—Kids eat for free after 4 pm with every adult entree purchase.

maggianosMagganio’s: Saturdays—Kids 5 and under eat free. Check with your local restaurant for participation.

Margarita's Mexican RestaurantMargarita’s Mexican Restaurant: Saturdays and Sundays—Get two complimentary kids meals (12 and under) per adult entrée purchased.

marieMarie Callender’s: Tuesdays—One free Kid’s Meal with each adult entree purchased.

moeslogoMoe’s Southwestern Grill: Tuesdays—Kids eat free all day. One free kids’ meal for each adult meal purchased. Choose from Power Wagon (hard or soft taco), Mini Masterpiece (cheese quesadilla) or Moo Moo Mr. Cow (burrito). Each kids’ meal includes a cookie and beverage.

ontheborderlogoOn the Border: Daily Kids receive a free sundae with meal purchase. Participation may vary.

perkinsPerkins: Tuesday—Kids eat free all day. Kids eat free at Ohio and Pennsylvania locations on Wednesday and Saturday from 4pm-9pm.

PicadillyPicadilly: Fridays—Kids under 6 eat free all day.

pizzahutPizza Hut: Tuesdays—Some participating locations offer an unlimited pizza buffet for just $6.99. Kids 10 and under eat free with the purchase of an adult buffet.

Planet SubPlanet Sub: Sundays—Kids eat free with adult meal purchase.

ponderosaPonderosa Steakhouse: Tuesdays—Kids eat free from 4pm to close. You can get up to 2 free kids’ meals with each adult entree purchased. Ask server for specific details.

qdobaQdoba Mexican Grill: Sundays or Wednesday—Kids eat free on Sundays or Wednesdays. Participation and day of participation varies by location.

Red RobinRed Robin: Mondays—Kids 10 and under eat free.

Rock Bottom CafeRock Bottom Cafe: Mondays and Tuesdays—Children aged 12 and under can eat free from the kid’s menu.

Ruby TuesdayRuby Tuesday: Tuesdays from 5 p.m. to close—Ruby Tuesday offers free kids meals with the purchase of an adult entree.

Salsarita's Fresh CantinaSalsarita’s Fresh Cantina: Thursdays—Kids eat free all day with a paying adult.

Shoney'sShoney’s: Fridays—Kids under 4 eat free all day with paying adult.

skylineSkyline Chili: Mondays—Kids 4 and under eat free from 4-9 pm. Check ahead for specific participating locations.

Slim ChickensSlim Chickens: Sundays—Kids aged 10 and under eat free.

SmashburgerSmashburger: Monday, Tuesday, or Wednesday—Get a free kids meal with the purchase of a regular burger or salad after 4 pm. (Day various by region.)

Souper! Salad!Souper! Salad!: Sundays—Kids ages 4 and under eat for free.

steakSteak ‘n Shake: Daily—Free kid’s entrée for every $9 purchased. Participation varies by location.

TGI Friday'sTGIFriday’s: Mondays & Tuesdays—Kids eat free, though offers vary by location. Call ahead or check with server for specific details.

tonyromasTony Roma’s: Sundays—Kids 12 and under eat free with a purchase of an adult entree.

Tropical Smoothie CafeTropical Smoothie Cafe: Sundays—Kids eat free all day.

unoUno Chicago Grill: Tuesdays—Kids eat free with the purchase of an adult meal.

Kids Eat For Almost-Free

buffaloBuffalo Wild Wings: Wednesdays—Kids 12 and under can order from the Kids’ Menu for just $1.99 from 4-10 pm.

fazolisFazoli’s: Tuesdays—Get 2 kids’ meals for $0.99 each with the purchase of 1 adult entree. For children ages 12 and under. Offer valid from 5-8 pm each Tuesday at participating restaurants.

firemountainFire Mountain: Thursdays—Two kids’ buffets for $0.99 each with the purchase of an adult buffet. For children ages 11 and under. Participation varies by location.

fuddruckersFuddruckers: Mondays & Tuesdays—Kids 12 and under can order from the kids’ meal menu for $0.99 (drinks included) from 4-9 pm. Locations and participation may vary.

mcalistersMcAlister’s Deli: Daily—Kids’ meals for $0.99 all day at select locations. Call ahead for participation.

oldcountryOld Country Buffet: Thursdays—Two kids’ buffets for $1.99 each with the purchase of an adult buffet. For children ages 11 and under. Participation varies by location. Offer also available at participating HomeTown Buffet and Country Buffet locations.

ryansRyan’s: Thursdays—Two kids’ buffets for $1.99 each with the purchase of an adult buffet. For children ages 11 and under. Participation varies by location.

WhichWich-logoWhich Wich Superior Sandwiches: Mondays & Saturdays—Kidswich meals are $0.99 with the purchase of a 7″ small Wich. Kidswich meals include a Wich, treat, and drink. Valid for children ages 12 years and under at participating locations.

If you have any restaurants or details to add to this list, please leave a comment. Thanks!


How financially fit are you?

Janet sent me this fun quiz.

With Americans focused too much on their credit scores
it seems that they haven’t a clue about their overall financial
wellness. How
financially fit are you? How
does your score compare to other test-takers? Have some fun with this quiz. It just might be the wake-up call we all need to get financially
fit.

I found the quiz very interesting to take and was surprised to score 98% on it. I am guessing that not owning a home was one of the biggest marks against us being at 100%–though in the current life situation and housing market we’re in, we feel like saving up to pay 100% down is a much better plan, even if most people think we’re nuts to be doing something so radical.

My husband and I have worked very hard over the past few years to be in good financial shape, but
taking this quiz reminded me just how much driving old cars, packing sack lunches, shopping at thrift stores, living in a basement apartment, eating off the dollar menu, and all the other “counter-cultural” things we’ve done over the past five years of our marriage have paid off. Lord-willing, in another few years we’ll own our own home outright and score 100% on the quiz!

If you take the quiz, tell us how you scored. And please don’t feel badly if you have a low score. If I were to have done this quiz three years ago when we were barely making ends meet, I’m sure my score results would have looked much differently. So, as long as you are working hard to be in a better position financially, take heart, it will pay off!

Financial Shape in 2008: Monthly checkup

It’s already the second week of June and I’m behind on getting our monthly checkup posted. How did you do in May? Here’s our update:

Short Term Financial Goals for 2008

1) Have our fully-funded emergency fund in place (6 months’ worth of living expenses) by the end of April. As of March 11, 2008–DONE!
2) Switch health insurance plans and open an HSA. We
were approved for our new health insurance plans in April and have also
set up our HSA. Done!

3) Start up an IRA and invest at least 5-10% of Jesse’s income in this. Started in March. (We plan to increase this to 12-15% of Jesse’s income as soon as we purchase our home.)
4) Open up a mutual fund for each of our children and invest $50 per child per month in it. Started in March.

5) Save up and invest $30,000 this year towards paying cash (100% down) for a house in 3-5 years. Now
that Goals 1-4 are finished, we’re working super hard on Goal #5!

May brought a few unexpected expenses with health needs and vehicle issues, so we only put $2000 in our house savings, not $3000 like I’d hoped. However, considering the setbacks, I’m grateful we were able to put even $2000 into it.

It’s been two months since we first opened our house savings mutual fund and we now have saved $4500 towards our house. Yay! Our
short-term goal is to save $15,000 in our house savings by August 31,
2008. This is a rather ambitious goal, but we’re working hard towards
achieving it and are excited to see if we might actually make it! Who knows?

We spent some time in May putting some additional online income-earning ideas into place which we are hopeful will, Lord-willing, allow us to meet or exceed our goal of having $30,000 in our house savings by the end of the year.

———————————–
How did you do in May? Whether
or not you posted financial goals for 2008, please take a moment to
post about your financial successes and failures in April and the areas
you hope to improve in May. Then, come back here and leave your link
below. If you don’t have a blog or would rather share anonymously, feel free to leave your update in a comment. Let’s all keep each other accountable to be better stewards of
our resources!

Ask the Readers: Saving money on groceries in Canada?

Jessica emailed and asked:

I live in eastern Canada and I love reading your site, but I find a lot of it is based on American stores…so I’m just wondering if you know of other sites that may include Canadian ideas for stores here?

I know we have at least a handful of Canadian readers here so I’d love to hear your ideas and suggestions for Jessica. Are there any websites out there on grocery savings for Canadians? What are your best tips for saving money on groceries in Canada?