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Being a Frugal Mom Bozeman MT

There are things that you can do with your children that will cut the cost of spending to much money on "doing" something with the kids. Try to think of things that the kids would enjoy that either do not cost a lot of money or cost nothing at all.

Robert Frey
Professional Financial Management, Inc.
(406) 587-1604
945 Technology Blvd., Suite 102
Bozeman, MT
Expertises
Retirement Plan Investment Advice, Ongoing Investment Management, Middle Income Client Needs, Retirement Planning & Distribution Rules
Certifications
NAPFA Registered Financial Advisor, CFP®, CLU

John Shellenberger
P.O Box 4758
Bozeman, MT
Company
Company: Estate Conservation Associates
Education
Franklin & Marshall College A.B.
Stanford University M.A.
Years Experience
Years Experience: 34
Service
Supplemental Medicare Insurance,College Planning,401k Rollover From Employer,Income for Life/ Preserve Principal,Medicare Planning,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Fee-Only Comprehensive Financial Planning,Long-term Care Insurance,1031 Exchanges,Wealth Engineering,Stock Market Alternative,Wealth Management,Life Insurance,Inves

Data Provided by:
David G. Cole, CFP®
(406) 582-1082
777 E Main St Ste 202
Bozeman, MT
Firm
Raymond James
Areas of Specialization
Asset Allocation, Comprehensive Financial Planning, Investment Management, Long-Term Care, Retirement Planning, Risk Management
Key Considerations
Average Net Worth: $250,001 - $500,000

Average Income: $100,001 - $250,000

Profession: Self-Employed Business Owners

Data Provided by:
Mrs. Berkley Evans Hudson, CFP®
(406) 587-5166
1711 W College St
Bozeman, MT
Firm
McKenna Financial
Areas of Specialization
Comprehensive Financial Planning, Life Planning, Retirement Planning, Small Business Planning, Women's Finances

Data Provided by:
Dr. Stephen R. Hample, CFP®
(406) 587-4300
300 N Willson Ave
Bozeman, MT
Firm
Financial Planning Associates, LLC
Areas of Specialization
Charitable Giving, Comprehensive Financial Planning, Education Planning, Employee and Employer Plan Benefits, Estate Planning, Intergenerational Planning, Investment Management
Key Considerations
Average Net Worth: Not Applicable

Average Income: Not Applicable

Profession: Not Applicable

Data Provided by:
Mr. Earl W. Hanson, CFP®
(406) 581-7470
PO Box 3505
Bozeman, MT
Firm
Earl W. Hanson

Data Provided by:
Mr. Edward M. Tompkins, CFP®
(406) 586-9120
612 N Montana Ave
Bozeman, MT
Firm
KMS Financial Services Inc
Areas of Specialization
Asset Allocation, General Financial Planning, Investment Management, Retirement Income Management, Wealth Management
Key Considerations
Average Net Worth: $500,001 - $1,000,000

Average Income: $50,001 - $100,000



Data Provided by:
Ms. Wendy J. Lessley, CFP®
(406) 522-4759
1276 N 15th Ave Ste 202
Bozeman, MT
Firm
Northwestern Mutual Financial
Areas of Specialization
Asset Allocation, Business Succession Planning, Charitable Giving, Comprehensive Financial Planning, Education Planning, Employee and Employer Plan Benefits, Estate Planning
Key Considerations
Average Net Worth: $500,001 - $1,000,000

Average Income: $100,001 - $250,000

Profession: Self-Employed Business Owners

Data Provided by:
Mr. John B. Dubose Iv, CFP®
(406) 582-5104
211 W Main St
Bozeman, MT
Firm
Wells Fargo Advisors, LLC
Areas of Specialization
Comprehensive Financial Planning, Insurance Planning, Investment Management, Wealth Management
Key Considerations
Average Net Worth: $1,000,001 - $5,000,000

Average Income: $250,001 - $500,000



Data Provided by:
Mr. Brian A. Brown, CFP®
(406) 587-5461
529 E Main St
Bozeman, MT
Firm
DA Davidson & Co

Data Provided by:
Data Provided by:

Being a Frugal Mom

Provided By: 

Frugal Living

Being a Frugal Mom
By Rhonda Warren 
Email rhondawarren@wahfamilies.com
Nov 6, 2005, 14:57

   

This day and age it is very difficult for families to live off of one income. On the other hand its almost not worth the mother working when you have to pay all of your money out for groceries, gas and most of all babysitting. So a lot of moms are turning to the alternative of being a stay at home and cutting costs every way that they can.

Here are some awesome ways to save money as well as some creative idea’s.

Pocket Change
Keep a jar or some type of container handy and each time you come home, drop in your change. Every time you break a bill, put the change in your container. You will be amazed how quickly your money will build.

We sort our change weekly and either splurge on a pizza dinner (bonus #2: a day off from cooking!), or we take our little one to Chuck E. Cheese. It’s a great way to fund that “extra” weekly event without having to dip into your checking account or bill money.

Re-Use
When you shop, look for items that can be reused. Rechargeable batteries are a perfect example. Even though the initial purchase may be more than non-rechargeable batteries, there is a definite savings over a long period. Another option would be to purchase a nice artificial Christmas tree. Many of the current artificial trees look amazingly real and with the right lights and ornaments, you can change the look from year to year. (Hint: be sure to check out department store’s “after Christmas” sales for a great deal on fake trees! I’ve seen fiber-optic trees, valued at $200, marked down to $35 the week after Christmas.)

Entertainment with the Kids
There are things that you can do with your children that will cut the cost of spending to much money on "doing" something with the kids. Try to think of things that the kids would enjoy that either do not cost a lot of money or cost nothing at all.
For Example:
• Take the kids to the park with a picnic lunch
• Go to the library and let the kids pick out some books and movies then go home and read books to them and watch movies!
• Go Fishing, Camping, walking, swimming
• Let the kids play with the water hose or water balloons in the summer time
• Grill out in your own yard while the kids play outside making mud pies and things in their own yard.
• Go to a place like Toys 'R Us (They have this here in Indiana, not sure about other states) and let the kids play for free in their play area!
• Make the kids a tent inside of your house with a sheet over your kitchen table, give them flash lights and things like they are camping out! You will be amazed how much fun the kids will actually have!
• Go outside and blow bubbles with your children. Children love playing with bubbles and there are often times that we don't allow them to play with them because of the mess! But go outside and blow bubbles with them for a little bit...

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