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My jaw hit the floor when I read how much the U.S. Department of Agriculture estimates the cost of raising a child born in 2013. You’re going to want to sit down for this… $245,340 (to be exact), and that’s before you factor in college. And you were thinking once you get through the first year, you might be able to buy yourself something new. This is where you LOL.
For me, the first few years definitely felt the hardest, fiscally. With nursery furniture, car seats, strollers, diapers, formula, childcare and all of the other necessities, we were drowning in baby debt. But that just goes with the territory. The hubby and I wised up after spending full price on our crib, stroller and some cute little clothes. I started seeking sales on items I wanted, and even some of the more expensive items are totally worth it if you can get them on sale. Here are a few things I found at amazing deals that you and your baby will love.
Luxury Stroller Blanket
I wanted only the softest, most luxurious blankets for my baby (she deserves it), but I couldn’t swallow the price tag. Then, one day, a friend suggested SwaddleDesigns. I saw a stroller blanket similar to the one I was eyeing on sale at half price, and I might have done a cartwheel. Once it came in the mail and I saw how comfy cozy my baby was, I was hooked. I had to try some of the other products on the sale page. They aren’t that expensive to begin with, but the sale prices really make these luxurious items accessible.
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Starting a business always costs money. Obviously there are some that are far more expensive than others, and those startups usually get a massive amount of cash from venture capitalists. Others will turn to alternative sources such as car title loans that have slogans like, “Texas loans can provide you with the money you need fast for your business.” A good solid business plan will be able to repay most loans quickly; a bad business plan may cause you a lot of financial hurt.
Here are some of the more popular alternatives to just getting a loan from the bank.
One method of funding a startup that has soared to popularity lately is through crowdfunding. For those who don’t know, the concept is simple. A lot of people give a little bit of money to raise the capital you need. Usually they are rewarded with a limited edition release of a product. Kickstarter is still the biggest crowd funding option out there, but there are many others that keep popping up.
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In 2003, six in 10 Americans were estimated to spend their working days sitting in front of a computer, according to a study by the Mayo Clinic. At home, people spend about four hours per day watching TV plus additional time on their smartphones. This sedentary lifestyle comes at a huge cost. Sedentary people have an increased risk for chronic health conditions, such as obesity, diabetes and some cancers, explains this same study.
Not only are these conditions bad for your health, but they can be expensive, too. According to an article published in Obesity Reviews, obesity can cost individuals over $1,700 per year in medical expenses. If you’re looking to save your health and your money, it’s best to be healthier with some of these tips:
Cook at Home
One of the best ways to stay healthy and keep your budget on track is to cook at home instead of eating out at a restaurant. Cooking at home allows you to choose healthier ingredients, like olive oil instead of butter, or to use less of unhealthy ingredients like salt. Cooking also serves as a conscious reminder of portion control. Most restaurants load up the calories by serving portions that are twice as big as needed.
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Every day humans are faced with hundreds of decisions. Do we get out of bed or press snooze, do we drive to work or take the bus, do we drink coffee or tea? As the day progresses we often find that the responsible part of our brain struggles to overcome the procrastination part. This is a lot like the way a lot of us think about retirement.
Most Americans are very upfront about the fact that they do not feel they are saving enough each month for their retirement. They feel that they can always start at a later time or the temptation is high to spend that money on something in the present. By overcoming these obstacles you can provide your future self with enough money to live a very happy retirement.
Take a look at the following video from Prudential as they conducted an experiment on human behavior as it relates to saving for retirement.