Home > Author Archives: Kayla Sloan

Author Archives: Kayla Sloan

Kayla is a mid-20s single girl living in the Midwest, USA. She is focused on paying off her consumer and student loans, while simplifying her life and closet. You can join her on her journey at ShoeaholicNoMore or follow her on Twitter.

Can You Be a Prepper and Be Budget Conscious?

prepper

Nearly all of us have seen a movie or television show depicting a prepper who stockpiles food and supplies for some future calamity. Sometimes that person chooses to squirrel items away in a basement or in odd places around their home. For those of us living in reality, however, this kind of propaganda may leave us wondering if storing such vast quantities of supplies and food is reasonable. For one thing, some of the food could potentially expire and go bad before it’s used. (Couponers have the same problem!) If this occurs it would result in a huge waste of money as well as resources. But, it also begs the question of whether or not you can be a prepper and be budget conscious. Here are some things to think about before you stock-up. 1. Why Are You Prepping? To be a prepper, especially on a budget, it might help to first have an idea of what you are prepping for. Are you afraid of an apocalyptic event, such as another world war? Perhaps you worry about a bio-terrorist attack or an electrical magnetic pulse, called an EMP, being launched against our country? Or, could you be concerned about the ...

Read More »

Sleep and Health

Getting adequate sleep can make you feel good, but it is important for reasons that go beyond taking those bags under your eyes away or making you feel better. Getting enough sleep is actually a critical element for a lifestyle that is healthy and can have great benefits to things like your emotional well-being, your weight, heart, and more. Memory Believe it or not, your brain is actually quite busy when you sleep. While you are sleeping, your brain helps to strengthen your memories, and can even practice things that you learned during the day while you weren’t sleeping. This process is known as consolidation. When you try to learn new activities, either physical or mental, you can learn it up to a point with practice alone. When you sleep though, something happens that makes you remember it better. If you want to be able to help your brain function, a good mattress, like you can get from Bedding Mart locations, can really help with the good night’s sleep that is needed for this critical process.  They carry many brands of mattresses that promote good sleeping habits. Weight If you happen to be considering trying to shed a few pounds, ...

Read More »

4 Ways Keeping Up with the Joneses Hurts Your Budget

4 Ways Keeping Up with the Joneses Hurts Your Budget

If you thought peer pressure ended once you graduated from high school, you are wrong. Peer pressure is around us every day in the guise of keeping up with the Joneses. It exists at work, where you may have a snobby coworker who brags about her new car or the hundredth new shirt she just bought but doesn’t even need. But, the pressure to measure up and keep up with the Joneses doesn’t end there either.  It’s also present among family members and friends who try to impress and outdo you every time the family gets together. Unfortunately all of this pressure can wreak havoc in your life if you aren’t careful. In fact, there are lots of ways keeping up with the Joneses can hurt your budget. Here’s how. 1. Makes You Spend More There are a lot of reasons you may try to keep up with the Joneses. One is because you may feel the need to fit in with your family, coworkers, or friends. Another is to avoid being ridiculed by others. A third reason could simply be your base competitive nature to “beat” someone else. None of the reasons really matter. The bottom line is that ...

Read More »

How to Use Bartering to Save Money

How to Use Bartering to Save Money

It’s been over a decade since one young Canadian man became somewhat famous for his ability to get a house for the price of a paper clip. How did he accomplish such a miraculous feet? He used bartering to trade up each transaction. If you aren’t familiar with the story, ABC news did a feature about it and it is quite an interesting story to read. When you first begin reading his story you may find yourself thinking that it must have taken hundreds of transactions for his to reach his goal. But in truth, it only took fourteen. What this amazing tale teaches us is that if you are budgeting you can use bartering to save money. 1. What is Your Goal The first step when you are bartering is to determine your final goal. A simplified example of this is a story my parents told me about the summer they put a new roof on our house. My parents were looking for a way to reroof the house and save money doing the work themselves. Once the job was complete, they hoped to be able to apply the money they saved toward a sprinkler system for our yard. ...

Read More »

Why You Should Pay Your Kids to Perform Household Tasks

Why You Should Pay Your Kids to Perform Household Tasks

When my younger brother and I were kids, we were expected to help out around the house. Both of our parents worked, so we had to do a few chores each week in order to keep the household running smoothly. Part of the time we got paid for what we did and part of the time we didn’t. It just depended on what we did and if it was expected or “above and beyond”. Reflecting back on those times I think our parents paid us when they could afford to. However, when money was tight for them it didn’t always happen. Now that I am an adult I feel like there are a lot of good reasons why you should pay your kids to perform household tasks. 1. They Learn the Value of Money Pay your children for part of the work they do instead of all of it. Taking this type of approach prevents them from thinking they should get paid for every little thing. At the same time, if you allow them some discretion in their spending, you help them learn the value of money. 2. It Builds Self-esteem Your kids are not your slaves and should not ...

Read More »