Today is July 31 and I have completed my goal of writing a post each day of the month with financial or money saving tips. I hope you have found the tips helpful.

Today I am sharing 10 life skills teens should learn before they leave home.

1) Paying bills – know to check statements for errors, pay attention to due dates so they are not charged late fees. Now with auto banking it may be easier to pay bills but you need to make sure you have enough in your bank account to cover them.
2) Budgeting – It is important to know how much income you have coming and how much you need for expenses.
3) Scheduling – As it is important to budget your money, it’s also important to manage your time.
4) Meal planning – If you have something planned it may be less tempting to stop for takeout.
5) Grocery shopping –
6) Cooking – With the convenience of dining out I believe cooking is becoming a lost art. But when you consider the cost of dining out you can save a lot of money by cooking at home. Many grocery stores have items available that are partially ready to make meal preparation easier (i.e. rotisserie chicken).
7) Laundry –
8) Car Care
9) Computer skills
10) Voting

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Nancy Kvamme

Here is a man who hid $15,000 in the oven and his wife turned it on and burned it up.

He sold a sports car to get money to pay his bills. He put the money in the oven since his wife usually didn’t use it. Well that day she did use it.

After finding the money, he took it to the bank to try to deposit it.

Posted in Uncategorized
Nancy Kvamme


One of my goals for the next month is to post each day of July about a List of 10 dealing with a personal finance or money saving idea topic.

Here are some ideas of using the over door shoe organizers for things besides shoes.

1) Kitchen items and cleaning supplies
2) School and craft supplies. I use one to keep craft ribbon in.
3) Grow plants and herbs

4) Bathroom supplies such as medication and toiletries.
5) Office supplies
6) Car organizer
7) Pantry items such as seasoning packets, fruit snacks, etc.
8) Pegboard storage for tools, etc.
9) Barbie doll holder for Barbies, clothing and accessories

10) Toy storage

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Posted in Budgeting, Saving
Nancy Kvamme

Sam’s Club will be having a free weekend August 3-5 where non-members can get the same prices as members.

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Posted in Budgeting, Saving
Nancy Kvamme

One of my goals for the next month is to post each day of July about a List of 10 dealing with a personal finance or money saving idea topic.

Cooking at home can save money, but if you end up buying ingredients for certain recipes that you will not use often may end up costing you money. You may be able to find substitute ingredients. Also, if you can find substitute ingredients if you run out of items it will save you time and money from needing to make an emergency run to the store.

Here are some ideas of kitchen substitution ideas.

1) Cream soup mix can be made up and kept on hand. It may cost less than buying cream soup by the can.
2) If need an egg for baking you can substitute 1 tsp of cornstarch plus ¼ cup of water.
3) If a recipe calls for buttermilk you can mix 1 Tbsp of lemon juice or vinegar with milk (enough to make 1 cup). I have used lemon juice to do this several times. I have also seen the idea that if you buy buttermilk and don’t use the entire carton, freeze the remaining milk in ice cube trays and keep in freezer bags to use at a future time.
4) For tomato soup use 1 cup tomato sauce and ¼ cup water.
5) For 1 cup of cream use 1/3 cup melted butter and ¾ cup milk
6) For 1 cup corn syrup use 2/3 cup sugar and 1/3 cup water
7) For 1 cup honey, use 1 ¼ cup granulated sugar and ¼ cup water
8) In salad dressings mayonnaise can be replaced by sour cream, plain yogurt or pureed cottage cheese.
9) In place of sour cream use plain yogurt.
10) To make tomato juice combine ½ cup tomato sauce and ½ cup water.

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Nancy Kvamme

One of my goals for the next month is to post each day of July about a List of 10 dealing with a personal finance or money saving idea topic.

Here are some ideas for DIY gift ideas.

1) Make Personalized Cake Carriers and Platter
2) A fun way to give money
3) Decorate cups with a Sharpie
4) Here are 37 ideas for Gifts in a Jar
5) 25 Handmade gifts under $5
6)
DIY Glass Etching
7) Spa Cupcakes
8) Baby shower gifts
9) A list of DIY Gifts
10) 101 DIY Men’s Gifts Ideas

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Posted in Budgeting, Saving
Nancy Kvamme

One of my goals for the next month is to post each day of July about a List of 10 dealing with a personal finance or money saving idea topic.

Since the Summer Olympics start today, I am sharing some activities to get in the Olympic spirit.

1) Activities from Activity Village
2) Activities posted on MoneySavingMom.com
3) I can Teach my Child has some Olympic activities
4) Olympic Torch Cone Cakes
5) Olympic rings from cupcakes
6) Olympics Books and activities. You may be able to find books about the Olympics at your public library.
7) Make the Olympic logo using paper plates
8) Make Olympic ring cookies
9) Make am Olympic Ring pizza
10) Olympic Rings can be made from milk jug rings and yarn

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Nancy Kvamme
26
Jul

DIY Wall Art

One of my goals for the next month is to post each day of July about a List of 10 dealing with a personal finance or money saving idea topic.

Yesterday I shared ideas for DIY doormats. Today I am sharing ideas for DIY wall art.

1) You can make wall art with scrapbook paper or fabric on boards. I made a few like this with scrapbook paper and covers of cardboard boxes.

2) Paint ceiling medallions and hang on your wall.

3) Here is another idea with scrapbook paper or fabric in a frame

4) Use spray paint and doilies to make a masterpiece

5) Make button art

6) Make art with wooden letters and a canvas

7) Put ornaments in a shadowbox

8) Paint cardboard or wooden letters.

9) Drawers as hangers

10) Art using frames

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Posted in Budgeting, Saving
Nancy Kvamme

Today is July 25, which means it is 5 months until Christmas. A couple blogs are offering e books with ideas to get ready for the holidays.

Lynn from Lynn’s Kitchen Adventures is offering a free holiday e book.

Jessica from Life as Mom has a holiday e book for sale. There is special pricing through July 31. She is also hosting several giveaways that you can enter through the weekend.

Nancy Kvamme

One of my goals for the next month is to post each day of July about a List of 10 dealing with a personal finance or money saving idea topic.

Here are 10 ideas I found to make DIY doormats and also to use them as wall art,

1) You can use dollar store doormats and paint to make doormat art and another example of doormat art

2) You can use doormats forDoormat stencils

3) Custom doormats

4) DIY Pebble Doormat

5) Stenciled Doormat

6) Tape stenciled doormat

7) DIY Holiday doormats

8) DIY doormat ideas

9) Hi and Bye doormat

10) Doormat ideas

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Nancy Kvamme