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The Giving Calendar

The Giving Calendar

Looking for a unique and personalized gift every Mother on the planet would appreciate? Give her the gift of time. Sound cheesy? Well, with this personalized approach it is easy for you to get it just right for the special Mom’s in your life. Whether your Mom is sappy & sentimental, humorous & witty, or all of that plus everything in between, The Giving Calendar will definitely be her favorite gift of all time. And the best part, it fits into every budget!

Warning, this may become so popular that people request traditions or ask you to teach them more often!  In my family we call it THE calendar and it started one year when I was finishing my Masters Degree and had an extremely tight budget.  I knew in about 6 months that should change, as I’d already landed a better paying job and would be able to dedicate the hours I put into school back in to work.  Being from a family full of crafty women, I am all for homemade gifts.  However, my time was tight and I have a whole folder of Pinterest fails so I didn’t want to end up rushing out for a last minute gift, on top of the cost of the glue and glitter used to create homemade.  So, THE calendar was born.

It is simply a promise, written on paper, for spending time together.  It takes the guess work out of what to do and creates excitement to last all year!

So, go buy, or make, a calendar and keep reading to spark ideas about what unique twist your schedule will take!

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Spa Day

If your budget is larger, go ahead and schedule a day.  Most spas have group packages.  From scalp massage and facials to manicures and pedicures, everyone loves to be pampered.  For a smaller budget, if you don’t have product around  your home to use, there are a multitude or do-it-yourself sugar scrubs, coconut oils skin masks, avacoda hair treatments and you name it available with a quick google search.  Many fruits, veggies and oils are multi-purpose and can be transformed into spa worthy potions.  You can ask people to bring their own favorite supplies or provide a special pair of slippers for each guest.  Diffuse some soothing oils, provide mimosas or fruit infused water, some healthy snacks and you have yourself a spa.

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    TV Series Night

    Plan to rent or DVR a favorite series and watch it as a group.  Sometimes gift giving can feel high pressure, but instead of the theme being stress let it be something simple that everyone wants to do anyway, then plan to do it together!

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      Baking Event

      Many culinary classes are offered at colleges, wineries or local restaurants.  Check out living social or group on for deals near you or if baking is something you like, share your talent and recipes with others.  If you have a larger group you could set up a bake-off.  Kids love the chance to judge the adults in their life, so if you have kids, get them involved by letting them judge the dishes on taste and presentation.  Make score cards and tally the results to award the best baker (or team).  This could be the theme of the whole calendar, giving people a fun motivation, as they research new ideas prior to the scheduled rematch!  Award a ‘golden’ spatula to the winning team, to be passed around as the winner changes hands.  If this is a popular pick for your family, you could mix it up by letting opposing teams pick the ingredients the other teams have to work with.  Every dish may not come out perfect, but the time spent together will be priceless

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        Stokpic Ed Gregory

        Pallet Project

        Pallets are free, or close to, from many businesses.  There are thousands of ideas out there on-line about how to re-purpose your pallets into everything from wall art to bed frames to outdoor pathways.  There are chic to rustic ways to express your personality with pallets!  Grab the person with the most power tools and reuse old paint laying around, or buy sample can for $2.50 from Home Depot, and you are set to have a creative day together

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          Local Event

          You can find tons of local events your friends/family may not have heard or thought of.  Sometimes it seems as if everyone knows what’s going on, or that you have no new and unique ideas, but remember we all can’t be everywhere.  And having the idea is way different than actually taking the time to plan it out.  Whatever comes up in your day-to-day travels that draws your eye and provokes your interest is a good bet for sharing with those close to you.  Local home and garden tours, plant exchanges, open mic nights at local coffee houses, apple picking, community concerts, local author book readings, are typically low and no costs options offered by many communities.  If you have a friend or family who would want to participate, sign up your group and try a new way to put yourself out there!

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            Not So Local Event

            Painting parties, glass blowing classes, wine tastings and mystery dinners are just a few of the events that are typically offered near you and you can locate by checking out sites such as group on or living social.  You can also do knock-offs of such things at home with smaller investments.  If you have any talent you have spent your time developing, those close to you will be interested to have you share it.

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              Gardening Day

              Schedule to have your group learn about your interest as an amateur farmer.  You could purchase or use recycled glass bottles to force tulip bulbs but adding bulbs (rocks if desired) and water.  Or if it is the right time of year to start some container gardens, how fun would that be to do with friends.  Use recycled items, such as popsicle sticks for marking seeds, old plastic jugs or egg cartons to start seedling and create a greenhouse effect.

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                Book Club

                You could give a book with your calendar, and plot a day when it will be completed and discussed.  Your group can come in costume of their favorite character or just come in something comfortable.  Themes always help your event feel special and unique and give guests something to plan for and show their personalities off.

                kaboompics.com_Grey Felt Journal TO DO LIST on a white desk-2

                  Whatever you choose to include in your calendar, or however many times a year you plan to meet, getting it on paper and giving the gift of time will be remembered long after the perfect gift is forgotten.  There is an event for everything and everyone, and with a little thought you will find great ways to spend time with those close to you!

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                  Published on November 20, 2018

                  The Best Ways to Save Money Even Impulsive Spenders Can Get Behind

                  The Best Ways to Save Money Even Impulsive Spenders Can Get Behind

                  The truth is, there are many “money saving guides” online, but most don’t cover the root issue for not saving.

                  Once I’d discovered a few key factors that allowed me to save 10k in one year, I realized why most articles couldn’t help me. The problem is that even with the right strategies you can still fail to save money. You need to have the right systems in place and the right mindset.

                  In this guide, I’ll cover the best ways to save money — practical yet powerful steps you can take to start saving more. It won’t be easy but with hard work, I’m confident you’ll be able to save more money–even if you’re an impulsive spender.

                  Why Your Past Prevents You from Saving Money

                  Are you constantly thinking about your financial mistakes?

                  If so, these thoughts are holding you back from saving.

                  I get it, you wish you could go back in time to avoid your financial downfalls. But dwelling over your past will only rob you from your future. Instead, reflect on your mistakes and ask yourself what lessons you can learn from them.

                  It wasn’t easy for me to accept that I had accumulated thousands of dollars in credit card debt. Once I did, I started heading in the right direction. Embrace your past failures and use them as an opportunity to set new financial goals.

                  For example, after accepting that you’re thousands of dollars in debt create a plan to be debt free in a year or two. This way when you’ll be at peace even when you get negative thoughts about your finances. Now you can focus more time on saving and less on your past financial mistakes.

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                  How to Effortlessly Track Your Spending

                  Stop manually tracking your spending.

                  Leverage powerful analytic tools such as Personal Capital and these money management apps to do the work for you. This tool has worked for me and has kept me motivated to why I’m saving in the first place. Once you login to your Personal Capital dashboard, you’re able to view your net worth.

                  When I’d first signed up with Personal Capital, I had a negative net worth, but this motivated me to save more. With this tool, you can also view your spending patterns, expenses, and how much money you’re saving.

                  Use your net worth as your north star to saving more. Whenever you experience financial setbacks, view how far you’ve come along. Saving money is only half the battle, being consistent is the other half.

                  The Truth on Why You Keep Failing

                  Saving money isn’t sexy. If it was, wouldn’t everyone be doing it?

                  Some people are natural savers, but most are impulsive spenders. Instead of denying that you’re an impulsive spender, embrace it.

                  Don’t try to save 60 to 70% of your income if this means you’ll live a miserable life. Saving money isn’t a race but a marathon. You’re saving for retirement and for large purchases.

                  If you’re currently having a hard time saving, start spending more money on nice things. This may sound counterintuitive but hear me out. Wouldn’t it be better to save $200 each month for 12 months instead of $500 for 3 months?

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                  Most people run into trouble because they create budgets that set them up for failure. This system won’t work for those who are frugal, but chances are they don’t need help saving. This system is for those who can’t save money and need to be rewarded for their hard work.

                  Only because you’re buying nice things doesn’t mean that you’ll save less. Here are some rules you should have in place:

                  1. Save more than 50% of your available money (after expenses)
                  2. Only buy nice things after saving
                  3. Automate your savings with automatic bank transfers

                  These are the same rules that helped me save thousands each year while buying the latest iPhone. Focus only on items that are important to you. Remember, you can afford anything but not everything.

                  How to Foolproof Yourself out of Debt

                  Personal finance is a game. On one end, you’re earning money; and on the to other, you’re saving. But what ends up counting in the end isn’t how much you earn but how much you save. Research shows that about 60% of Americans spend more than they save.[1]

                  So how can you separate yourself from the 60%?

                  By not accumulating more debt. This way you’ll have more money to save and avoid having more financial obligations. A great way to stop accumulating debt is using cash to pay for all your transactions.

                  This will be challenging, depending on how reliant you are with your credit card, but it’s worth the effort. Not only will you stop accruing debt, but you’ll also be more conscious with what you buy.

                  For example, you’ll think twice about purchasing a new $200 headphone despite having the cash to buy them. According to a poll conducted by The CreditCards.com, 5 out of 6 Americans are impulsive spenders.[2]

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                  Telling yourself that you’ll have the discipline to not buy things won’t cut it. This is equal to having junk food in your fridge while trying to eat healthy–it’s only a matter of time before you slip. By using cash to make your purchases, you’ll spend less and save more.

                  A Proven Formula to Skyrocket Your Savings

                  Having proven systems in place to help you save more is important, but they’re not the best way to save money.

                  You can search for dozens of ways to save money, but there’ll always be a limit. Instead of spending the majority of your effort saving, look for ways to increase your income. The truth is that once you have the right systems in place, saving is easy.

                  What’s challenging is earning more money. There are many routes you can take to achieve this. For example, you can work long and hard at your current job to earn a raise. But there’s one problem–you’re depending on someone else to give you a raise.

                  Your company will have to have the budget, and you’ll have to know how to toot your own horn to get this raise. This isn’t to say that earning a raise is impossible, but things are better when you’re in control right? That’s why building a side-hustle is the best way to increase your income.

                  Think of your side-hustle as a part-time job doing something you enjoy. You can sell items on eBay for a profit, or design websites for small businesses. Building a side-hustle will be on the hardest things you’ll do, be too stubborn to quit.

                  During the early stages, you won’t be making money and that’s okay. Since you already have a source of income, you won’t be dependent on your side-hustle to pay for your expenses. Depending on how much time you invest in your side-hustle, it can one day replace your current income.

                  Whatever route you take, focus more on earning and save as much as possible. You have more control than you give yourself credit for.

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                  Transform Yourself into a Saving Money Machine

                  Saving money isn’t complicated but it’s one of the hardest things you’ll do.

                  By learning from your mistakes and rewarding yourself after saving you’ll save more. What would you do with an extra $200 or $500 each month? To some, this is life-changing money that can improve the quality of their lives.

                  The truth is saving money is an art. Save too much and you’ll quit, but save too little and you’ll pay for the consequences in the future. Saving money takes effort and having the right systems in place.

                  Imagine if you’d started saving an extra $100 this next month? Or, saved $20K in one year? Although it’s hard to imagine, this can be your reality if you follow the principles covered in this guide.

                  Take a moment to brainstorm which goals you’d be able to reach if you had extra money each month. Use these goals as motivation to help you stay on track on your journey to saving more. If I was able to save thousands of dollars with little guidance, imagine what you’ll be able to do.

                  What are you waiting for? Go and start saving money, the sky is your limit.

                  Featured photo credit: rawpixel via unsplash.com

                  Reference

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