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40 Budget And Meaningful Birthday Ideas For Kids

40 Budget And Meaningful Birthday Ideas For Kids

It is very common for parents to want to do something special on their children’s birthdays. People often think this means birthdays are expensive events, but sometimes it is hard to find the money for such things.

The good news is that special doesn’t have to mean expensive. Kids can still have an amazing day with their friends and families without the high costs if you decide to throw a budget birthday party. Here are 40 fantastic ideas on how to have a budget birthday party for your child.

1. Fill the child’s room with balloons of all different sizes and colors for a wake-up surprise.

2. If your child is old enough, throw a craft party where she can decorate unfinished items. Secondhand stores are normally filled with old picture frames, unvarnished pots and wooden jewelry boxes.

3. Consider going to somewhere free, such as local museums, for a day trip.

4. If your child likes swimming, take him and a few friends to your local swimming baths.

5. Take your child to her favorite place to eat as a special treat.

6. If your child likes the outdoors, pack a picnic and take him to his favorite park, or a park he has never visited before.

7. Invite your child’s closest friends over for a sleepover.

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8. If your child is a toddler, throw a circles party–everything at the party is circle shaped. Good examples are party rings, polka-dot table coverings and big bouncy balls.

9. If her birthday falls during the summer, throw a garden party with snacks and music and invite her friends around.

10. If his birthday is close to one of his friends, speak to the parents about throwing a joint party for both of them.

11. If your child loves music, invite her friends around and throw a karaoke party. If you don’t have a karaoke machine, you can find videos on YouTube and play them for the children.

12. Instead of handing out expensive gift bags at the end of each party, stick with one treat for each child, from yo-yos to a bar of chocolate.

13. Throw a fancy dress witch party for your child and his friends if they love Harry Potter. Use food coloring to make potions, and watch a Harry Potter film afterwards.

14. If you live near a lake, take a day trip out with some snacks and pizzas for dinner.

15. Throw a birthday festival in your back garden, with bubbles, balloons, face paints and transfer tattoos.

16. If you own a Playstation, Wii or Xbox, invite your child’s friends around and have a game day where they can all play their favorite games.

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17. Let your child choose all of the meals for the day.

18. If your child is young, throw a teddy bear party with all of her favorite toys.

19. Have a movie night where he can choose the film, the snacks and the drinks.

20. If your child has a favorite film or book, decorate one room in the house to fit in with the theme, such as a Frozen-themed living room. Dress up as the characters and have fun!

21. If you have a young teenage daughter, have a pamper day with nail painting, homemade face masks and experimenting with makeup.

22. Let your child wear whatever he wants all day, including face-paint.

23. If your child enjoys sports, host a sports day in your garden with her friends, with sweets for prizes.

24. If you have an older child, a jewellery party with friends is a great idea. Buy beads and string and teach the children how to make necklaces and bracelets.

25. If your child is old enough, taking him and a few friends camping could be a great success. Pack marshmallows and hot chocolate for a sweet treat.

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26. If your child loves the outdoors, drive her and a couple of friends to the beach for a fun day trip.

27. Leave a trail of glitter or sweets leading your child from his bed in the morning to his birthday presents.

28. Print face masks out from the internet. Have your child and her friends paint and decorate their own.

29. Hold a backyard treasure hunt as the main event of the day, where the final piece of treasure is the child’s main birthday present.

30. Instead of packing a normal school lunch, pack a special birthday lunch with a slice of cake. Wrap a small treat and leave it in his lunchbox for him to discover later.

31. Make your child her favorite breakfast and bring it to her in bed.

32. If your child has a sweet tooth, invite his friends around and throw a decorating party. Bake plain cupcakes and allow the children to decorate their own.

33. If your child likes cooking, throw a pizza-making party with bowls of toppings and ready-made dough.

34. A painting party is often a great success with younger children. Buy paints and colored paper and leave them to it!

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35. Tape an old blanket from your child’s door to the ceiling, and fill it with balloons before taping it up. When your child opens the door in the morning, balloons will fall around her as a birthday surprise.

36. If your child is older, throwing a party for him and his friends in the garage is a great idea. Buy a secondhand disco ball, put out some snacks and have an evening to yourself while they enjoy themselves.

37. For a creative child, throw a paper mâché party and let them create whatever they want. Check out tips and tricks online and craft something with your child!

38. Make a time capsule with your child for her to dig up in 10 years. Let your child choose some things she would like to put in, and bury it together.

39. If your child’s birthday is in summer, take advantage of the heat and make your own slip and slide for endless hours of fun.

40. Write your child a short, funny, fictional story about her as a princess, wizard or superhero. Read it to her in the morning to make her feel extra special and excited.

Do you have any budget birthday ideas for children? Share them in the comments below!

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Amy Johnson

Amy is a writer who blogs about relationships and lifestyle advice.

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Last Updated on January 2, 2019

How Personal Finance Software Helps You Get More Out of Your Money

How Personal Finance Software Helps You Get More Out of Your Money

Do you know what mental health experts point to as the biggest cause of stress in the United States today? If you said “money,” then ding, ding, we have a winner!

Three out of four adults today report feeling stressed out about money at least part of the time. People are either worried about not having enough money or whether they’re putting the money they do have to use in the best possible way.

Your money is either in charge of you or you’re in charge of it, there’s no middle ground. Using some type of personal finance software can help alleviate some of that money stress and better allow you to manage your money effectively. Without it, you may just be setting yourself up for constant financial worry. Life is already tough enough and there’s no need to make it more difficult by simply hoping your money issues will all work out in your favor. Hint: they won’t.

This guide will help you to understand how personal finance software can better assist with both accomplishing long term financial goals and managing day-to-day aspects of life.

Whether it’s tracking the savings plan for your child’s college fund or making sure you won’t be in the red with the month’s grocery budget, personal finance software keeps all this information in one convenient place.

What Exactly is Personal Finance Software?

Think of it like the dashboard in your car. You have a speedometer to tell you how fast you’re going, an odometer to tell you how far you’ve traveled, and then other gauges to tell you things like how much gas is in the tank and your engine temperature. Personal finance software is essentially the same thing for your money.

When you install this software on your computer, tablet, or smartphone, it helps to track your money — how much is going in, how much is going out, and its growth. Most personal finance software programs will display your budget, spending, investments, bills, savings accounts, and even retirement plans, levels of debt, and credit score.

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How It Leads to Financial Improvement

It shouldn’t come as a surprise, but people who regularly monitor their finances end up wealthier than those who don’t. When you were a kid, keeping track of all of your money in a porcelain piggy bank was pretty easy. As we get older, though, our money becomes spread out across things like car payments, mortgages, retirement funds, taxes, and other investments and debts. All of these things make keeping track of our money a lot more complicated.

Some types of personal finance software can help make things a little less complicated, setting you up to meet financial goals and taking away some of the stress associated with money.

Even if you already have a Certified Financial Planner (CFP) some type of personal finance software can be of great benefit. Whereas CFPs focus on the big picture of your money, they don’t handle the day-to-day aspects that determine your overall financial health.

It’s also not nearly as complicated as you might think and can take out a lot of the tedium that comes with doing everything on an Excel spreadsheet or with a pad and pencil.

Types of Personal Finance Software

When it comes to personal finance software, it generally fits into two categories: tax preparation and money management.

Tax preparation software such as Turbo Tax and H&R Block’s software can help with everything from filing income taxes to IRS rules and regulations and even estate plans. Plus, there’s the benefit of filing online and getting your refund check a lot faster than if you were to mail off your forms after waiting in line at the post office.

For the purpose of this article, however, will be focusing more on the personal finance software that aids with money management.

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Money management personal finance software will help you to see the health of your cash flow, pay down debt, forecast for expenses and savings, track investments, pay bills, and do a host of other things that 30 years ago would have practically required a team of accountants.

When to Use Personal Finance Software

So far we’ve gone over what exactly personal finance software is and how it can be a benefit to your money. The next logical step in this whole equation is determining when it should be used and how is the best way to go about getting started using it.

Below are four of the most common and practical ways to use personal finance software. If all or any of these apply to you and your money, then downloading some type of personal finance software is going to be a smart move.

1. You Have Multiple Accounts

There’s a good chance that when it comes to your money, it’s in more than one place. Sure, you probably have a checking account, but you may also have a savings account, money market account, and retirement accounts such as an IRA or 401k.

If you’re like the average American, you probably have two to three credit cards as well. Fifty percent of Americans also don’t have loyalty to just one bank and spread their money across multiple banks.

Rather than spending hours typing in every detail of every account you have into a spreadsheet, many programs allow you to easily import your account information. This will help to eliminate any mistakes and give you a bird’s eye view of everything at once.

2. You Want to Automate Some or All of Your Payments

Please don’t say that you’re still writing out paper checks and dropping each bill in the mailbox. While it’s noble that you’re doing your part to keep postal workers employed, we’re 18 years into the 21st century and you can literally pay every bill online now.

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There’s no need to log into every account you have and type in your routing number either.

With personal finance software you can schedule automatic payments and transfers between all of your imported accounts. Automatic transfers will help to make sure you have the necessary funds in the right account to ensure all bills are paid on the appropriate date. Late fees are annoying and do nothing but cost you money. It’s time that you said goodbye to them once and for all.

3. You Need to Streamline Your Budget

Perhaps the best feature of personal finance software is that it allows you track everything going in and out of your virtual wallet.

Nearly every brand of personal finance software out there has easy-to-read graphs and charts that allow you track every cent you spend or earn, should you choose. You might be pretty amazed when you see just how much you spent on eating out last month or if you splurged a little more than you should have on Christmas gifts last year.

Every successful business on the planet has a budget and using personal finance software can help you trim the fat on your spending in ways that affect your everyday life.

4. You Have Specific Goals to Meet

Maybe it’s paying off debt or saving for up something like a European vacation. Whatever your financial goal is, whether it’s long-term or short-term, personal finance software programs are one of the savviest ways to go about reaching those goals.

You can do everything from set spending alerts to notify you when you’re over budget to automating what percentage of your paycheck goes to things like retirement investments. The personal finance software that you choose should show you exactly how close you are to hitting those goals at any given time.

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How to Get Started

From AceMoney to Mint and Quicken, there ’s no shortage of personal finance software apps out there. Many of these programs are free to download and will allow you to pay bills, invest, monitor your net worth and credit profile, and even get a loan with the swipe of a finger.

Other programs may only offer you limited services and will require a one-time fee or subscription to unlock all that they offer. These fees can often vary from as little as two dollars to 50 bucks a month.

It’s best to start off with the free version and then gauge whether you’re able to accomplish everything you’d like or if it’s worth exploring one of the paid options. Often times the subscription programs come with assistance from financial planning and investment experts — so that can be a real benefit.

When deciding which personal finance software program to use, it’s also important to look at how many accounts you wish to monitor. Certain programs limit the number of accounts you can add. Be sure that if you have checking, credit card, and investment accounts to monitor, that you choose a service that can monitor them all.

Finally, when looking around for the right personal finance software that meets your needs, make sure that you’re comfortable with the program’s interface. It shouldn’t be expected that you recognize every single feature instantly, but if the features don’t seem readable and manageable to you, then you’re not as likely to use it and get the full benefits.

Final Thoughts

Personal finance software can go a long way in helping you to take control of your money and meeting your financial goals. It’s important to note, however, that some focus more on budgeting and expense tracking while others prioritize investing portfolios and income taxes. Explore several different programs and read reviews to find the one that’s right for you.

In this day and age, managing one’s personal finances in a secure manner that allows the user to have a real-time visual representation of their money is easier than ever before. With the numerous applications that are out there — both free and subscription-based — there’s no reason that every person can’t take control of their money and ensure they’re making smart money moves.

Featured photo credit: rawpixel via unsplash.com

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