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Being a Frugal Mom Gary IN

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.

Joseph Harowski
Smart Choice Financial Planning, Inc.
(219) 682-7544
9421 Joliet St.
St. John, IN
Expertises
Middle Income Client Needs, Planning Issues for Business Owners, Retirement Plan Investment Advice, Ongoing Investment Management, Hourly Financial Planning Services
Certifications
NAPFA Registered Financial Advisor, CFP®

Mr. Richard E. Graham Sr., CFP®
(219) 736-6900
334 W 84th Dr
Merrillville, IN
Firm
Eley Graham Financial Services
Areas of Specialization
General Financial Planning
Key Considerations
Average Net Worth: $500,001 - $1,000,000

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

Profession: Business Executives

Data Provided by:
Mr. Douglas J. Hoover, CFP®
(219) 736-8902
101 E 90th Dr
Merrillville, IN
Firm
Strategic Financial Group, LLC
Areas of Specialization
Comprehensive Financial Planning
Key Considerations
Average Net Worth: $1,000,001 - $5,000,000

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

Profession: Business Executives

Data Provided by:
Mr. Scott T. Ribordy, CFP®
(219) 738-4455
707 E. 80th Place
Merrillville, IN
Firm
Merrill Lynch

Data Provided by:
Mrs. Dorothy A. Austgen, CFP®
(219) 736-6900
334 W. 84th Drive
Merrillville, IN
Firm
Eley-Graham Financial Advisory Services
Areas of Specialization
Comprehensive Financial Planning
Key Considerations
Average Net Worth: $500,001 - $1,000,000

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

Profession: Not Applicable

Data Provided by:
Mr. Paul Kutanovski, CFP®
(219) 765-6693
707 E 80th Pl Ste 302
Merrillville, IN
Firm
Valic
Areas of Specialization
Education Planning, Investment Planning, Retirement Planning, Risk Management, Wealth Management
Key Considerations
Average Net Worth: $250,001 - $500,000

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

Profession: Not Applicable

Data Provided by:
Ms. Karen S. Candiano, CFP®
(219) 736-6900
334 W 84th Dr
Merrillville, IN
Firm
Eley - Graham Financial Adviso
Areas of Specialization
Women's Finances
Key Considerations
Average Net Worth: $250,001 - $500,000

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

Profession: Medical/Dental Professionals

Data Provided by:
Ms. Marijo Dluzak, CFP®
(888) 755-PLAN
285 W 80th Pl
Merrillville, IN
Firm
Dluzak & Associates INC
Areas of Specialization
Asset Allocation, Estate Planning, Investment Management, Retirement Income Management, Sudden Wealth Management, Wealth Management, Women's Finances
Key Considerations
Average Net Worth: $1,000,001 - $5,000,000

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

Profession: Self-Employed Business Owners

Data Provided by:
Mr. Kenneth E. Braggs, CFP®
(219) 738-4456
707 East 80th Place 4th Floor
Merrillville, IN
Firm
Merrill Lynch
Areas of Specialization
Asset Allocation, Education Planning, Employee and Employer Plan Benefits, Estate Planning, Insurance Planning, Investment Planning, Retirement Planning

Data Provided by:
Mr. Jason R. Topp, CFP®
(219) 736-8677
8750 Broadway, Suite B
Merrillville, IN
Firm
Ameriprise Financial
Areas of Specialization
Asset Allocation, Budget Development, Charitable Giving, Comprehensive Financial Planning, Debt Management, Divorce Issues, Elder Care
Key Considerations
Average Net Worth: $500,001 - $1,000,000

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

Profession: Not Applicable

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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