lifestyle

How to Get Good Grades

On today’s post, I’ll be sharing with you my main tips on how to get good grades. This post can help students, mothers whose kids are in school or adults that are thinking about furthering their education.

Here’s how you can get good grades.

1.Take Notes

When you’re in class, and your professor is explaining the matter, take as many notes as you can. This will help you retain more of what you heard in class, and it will help you study once you’re home.

2. Ask Questions

Don’t be afraid to ask for a better explanation about the topics you’re not fully understanding, your professor won’t mind, and it will help you get better grades.

3. Study Every Single Day

You need to keep your memory fresh and studying every day will help you understand everything better and not forget the little details. You’ll also feel more comfortable when it comes to exams or essays.

4. Plan Everything

Be on top of the exam days and make sure to write down what you need to study. This will help you to be more organised and more productive. Check these Planners that I’ve made, they were a life saver for me! Your grades will definitely improve with them.  

Student’s Planner(A4): University, High School.

Student’s Planner(A5): University, High School.

5. Sleep

You need to have at least 8 hours of sleep per night. Your memory will be sharper, and you’ll be in a better mood to study!

I hope this was helpful and good luck with your studies!

Thank you for reading it, and I’ll see you in my next post.

finances

How to Stop Living Beyond your Means

It’s quite tempting to live with things we can’t afford. We see it all the time in social media, people sell a lifestyle, and we want it. We want the same cars, houses, holidays, etc. Most of us can’t afford it (and it’s normal) so, they get loans and spend the rest of their lives living above their means. On this post, I’ll be sharing with you what you can do to start living below your means and save for what you want without getting into debt.

1.Budget

Setting up a budget is crucial. Set up one that works for you and for your family.

2. Stop getting loans

Start focusing on getting several savings accounts instead of getting loans. This will have a huge impact on your personal finances.

3. Prioritise

Change your priorities. Saving money will get you the things you want without loans, so move to a smaller house, sell your car, cook your own meals, etc. Start changing your lifestyle in order to maximize your savings.

4. Make Changes

After all these steps, acknowledge what you did wrong and what you need to adapt. Don’t see it as a negative thing or a setback, see it as improvements to reach the perfect method for you.

I hope this post was useful, thank you for reading it, and I’ll see you in my next post.

finances

The Best Way to Teach your Kids about Finance

Learning how to deal with our finances isn’t something that happens overnight. We definitely need to make some mistakes to understand what we should do with our money. The problem is when we make those mistakes in our adulthood, and let’s be honest, we all have been there. So, the only way we can prevent this from happening to our kids is by helping them to make financial mistakes while they’re young. The mistakes we want them to make are: having wrong priorities when it comes to buy things and not budget their money properly. How can it happen?

First- Earning the Money

1.Monthly Amount

Giving them a certain amount every month will mimic our salary.

2.Paid Chores

Give them chores that they don’t normally do and pay them for it, this will be similar to our extra hours at work.

Second- Their Goals

1.Goals

Help them write down all the things they want to buy, whether that’s toys, clothes, etc. Try to include something that would be in their “needs” category, if they were an adult.

2.Priorities

Have them write down the priorities of what they should get first.  

3.Budget

Ask them if they think they should have a budget or not. If they think they do, help them make it but stick to what they think it’s correct.

Third- The Mistakes

1.Mistakes

They will understand that their priorities were wrong (because they’ll most likely choose something that they want instead of what they need to be on top of the list). They will also understand that they need a “Plan of Action” aka a budget to get what they need.

2.Help them

Acknowledge their mistakes will help so much in their future. They’re going to need you to explain how things should be done, and don’t forget to show them that the mistakes they made were good and that they should be proud of themselves for being able to recognise and overcome them.

3.Encourage

Now that they’ve done all this, encourage them to not give up and give them a present or something they’d love to have. Dealing with finances will become a positive thing for them!

Thank you for reading it, and I’ll see you in my next post.

lifestyle

Save Money on Grocery Shopping

Grocery shopping is something we all have to do, some people love others hate it but one thing everyone has in common is not wanting to spend a lot of money on it and if possible, save money! So, in today’s post, I’ll be sharing with you the most important tips I use to save money whenever I go grocery shopping.

1.Make a Budget

This is crucial. Knowing exactly how much you can spend on groceries will help you save so much money.

2. Make a Inventory

This might sound a bit crazy but trust me, it’s really helpful. Write down every single product you have. Make different lists: a food list (don’t forget to check the expiration date!), a hygiene list, a household list and a medicine list (again, check the dates).

3. Plan your Meals

Planning your meals will help you decrease the habit of buying unnecessary products. You’ll go to the shops knowing exactly what you need for your meals. I like to plan my meals weekly.

4. Make a Shopping List

Writing down everything you need will help you save money because you won’t buy what you don’t need.

5. Buy in Bolk and freeze

This is a great way to save money because you won’t be going to the shops frequently to buy fruit and veggies, that way, you won’t be tempted to buy things you actually don’t need. Also, this really good to make smoothies and soup!

All of these steps can be done with the help of a planner. Feel free to check these ones out: Money Planner (A5), Money Planner (A4).

Thank you for reading it, and I’ll see you in my next post!

lifestyle

Saving Money on Holiday

Since we are close to Easter, and most people take days off during this time, I decided to share a few tips that will help you save money while you’re on holidays.

1.Rent an Airbnb

Instead of staying in a hotel, rent an Airbnb. This will help you save a lot of money, especially if you have a big family.

2. Cook your own Meals

Restaurants in places dedicated to tourism are extremely expensive. If you cook your meals, you’ll be able to save more money.

3. Free fun

Do a little bit of research before heading to your destination, try to figure out where all the free fun is. In some cities, museums are free once a month. Finding this type of free fun will help you save money and still have a good time.

4. Travel Light

If you’re renting an Airbnb, make sure to rent one with a washer, this way you’ll be able to travel light and save money on you’re plane tickets.

These are all the tips I have for you, let me know if you have more in the comments down below.

Thank you for reading it, and I’ll see you in my next post.

lifestyle

How to Cut Down Plastic

We all are aware of how bad the plastic is for the environment, but the reality is that we’re so used to have plastic products on our daily lives that it becomes difficult not to use them. So, what I want with this post is to give you a few tips on what you can change so we can all cut down the plastic usage.

1.Say “No” to plastic bags

Get fabric bags instead. I love this tip, you can have really cute bags when you go grocery shopping, mine have different sayings and cute patterns. I also have smaller ones for fruit and vegetables (and they all match haha). What I also love about this is that you can throw them into the washer and they’re brand new again.

2. Shampoo and Conditioner Bars

Quit buying shampoo and conditioners stored in plastic containers. You can buy or make your own! I find that my shampoo bars last a lot longer then the “normal” shampoo I used to get, it actually saves me money. I also noticed a huge difference in my hair, it’s a lot healthier and growing faster because it’s not getting harsh chemicals like it used to.

Shampoo and Conditioners Inspiration

3. Household Detergents

Make your own household cleaners and store them in glass containers. This will help the environment, and it will also be beneficial for you health since they won’t have harsh chemicals.

Household Products Inspiration

4. Body Products

Make your own deodorant, toothpaste, body soap, body creams, etc and store them in plastic free containers.

Body Products Inspiration

Body Products Inspiration #2

These are the tips I have for you today if you have additional ones leave them down below in the comments.

Thank you for reading it, and I’ll see you in my next post.

finances

Cash Envelope System- The Benefits

I’ve written a post about the cash envelope system before, it explained how this system works. I’ve used this System for a while now, so I decided to make a post about the benefits of it.

I’ll leave the link of that post here, in case you’re interested.

1.Organisation 

In order to fill in the envelopes, I needed to get my budget right. So, I started to be more meticulous with it, and it made me a lot more organised with my finances.

2. Saved More Money

This was the only method that actually made me save a good chunk of money! For me, it’s the one that makes me be more accurate with my budget, and since I always pay things with cash, I started to realise the actual amount of money I was spending. It’s funny because when you pay things with your card, everything seems less expensive (at least for me haha). I was able to increase my percentage of savings due to this.

3. Under Budget

At the begging of the month, when I’d fill up the envelopes, I’d always hope to find some leftovers. So, I began to challenge myself to try to stay under budget. Obviously, I wasn’t able to achieve it every time, but whenever I did, I felt really accomplished.

Since I love this system, I decided to make downloadable envelopes that have the same theme as the Money Planner that I use.
There are different categories written on the envelopes, and the last envelope has no category in case you want to add a different one. The existing categories are Groceries, Rent, Household, Bills, Phone, Health, Clothing, Bank, Car, Personal, School, Kids, Pets, Travel, Savings, Restaurants, Entertainment, and Fun.
Every single envelope has a Budget Chart.

So, if you’re interested in them, I’ll leave the link here.

Envelopes

Thank you so much for reading it, and I’ll see you in my next post.

lifestyle

Spring Break with Kids on a Budget

Making childhood memories with your kids is one of the most amazing parts of being a parent. Most parents want to enjoy their kids’ breaks from school to spend time with them and help them create new memories and special moments. Let’s face it, this can get a little expensive rather quickly. On today’s post, I’ll be sharing with you how you can have the best time with them, on a budget.

1.Travel within the Country

If you really want to go somewhere else and discover new cities or villages, then the cheapest option will be to travel within your country. I advise you to rent an Airbnb instead of a hotel because it will be less expensive. Also, make sure to do a little research on free activities that the city might have.

2. Games

Renting a place or going to some sort of park to play games with them would be really fun. You could do a bit of research on Pinterest about new games that your kids have never played before, and even prepare a bag of goodies for the winners. It would definitely be a fun memory for them.

3. Activities

Planning a week of activities within your city is also a really good idea. For example, one day it would be going to an Aquarium, other going to the Zoo, and maybe also going to a museum about the things that they’re passionate about. At the end of the week, each one them could have a basket with memories and cute things from the places you’ve been.

I hope you and your family have an amazing time together.

Thank you for reading it, and I’ll see you in my next post.

finances

How to Save Money by being Organised

I’m a very organised person, I love to planning everything ahead, and I’m no different when it comes to finances. Since I started to be more and more organised, I realised that I was saving more money at the end of the month and thanks to it, I managed to save a lot more money!

Here’s how you can do it too.

1.Organise your Pantry and Kitchen

My pantry used to be a mess, and I’d find myself purchasing the same thing over and over because I thought I was out of it and in reality, it was just lost in the middle of the mess! So, one day I took everything out of the pantry and re-organised. This made a huge difference. I started saving more money because I stopped buying what I didn’t need.

2. Budget! Budget! Budget!

Writing down exactly how much you want to spend on each category will stop you from impulse shopping. It will help you to make better choices, and you’ll figure out how much you can start to add to your savings.

3. Plan!!

This tips goes along with the previous one. I started to write down my monthly budget, my expenses, bills, meal plans, etc! I started to have control of my money, and that made my savings increase a lot!

I’m extremely happy to announce that I’m launching a Monthly Money Planner! This Planner has a Budget Spread, a Savings Tracker, a Debt Tracker, an Expenses Tracker, a Bills Tracker, a No Spend Calender, a Meal Planner and more! I’ll leave the link here for you, and I hope this Planner helps you as much as it helped me!

Money Planner

I hope this post was useful! Thank you so much for reading it, and I’ll see you in my next one!

finances

How to Achieve Financial Freedom

Financial freedom is something we all want to achieve. We’re constantly worried about our future, and most of our worries are about our finances. In order to achieve this, we need to follow a few steps.

This is How you Achieve Financial Freedom.

1.Create a Budget

Create the perfect budget for you and your family. Always prioritize savings, and make sure to adapt as you go. Check How to Budget your Income, The Ultimate Beginners Guide to the “50/30/20” System and The Ultimate Beginners Guide to the “Cash Envelope” System to figure out your perfect budget system.

2. Pay off Debts

This is a crucial step to reach financial freedom. Trust me, it isn’t impossible. Check 10 Habits to become Debt Free faster for some inspiration.

3. Have an Emergency Fund

Unpredictable things can happen at any time. Having that money on the side will have a soothing effect on your mind, and it will help you a lot in case of an emergency.

4. Have savings

Have goals for your money and save up for them. This habit will keep you away from debts. Check Different types of Savings everyone should have.

5. Stop living above your means

Most of us do this and don’t even know. After creating your budget, you’ll definitely start realizing  what you’re spending too much money, for example overly high rents, etc.

I hope this post was helpful, thank you for reading it, and I’ll see you in my next one.