How to Save for a Rainy Day Fund

Emergency Cash Sources Every Mom Should Know About

Everyone needs a rainy day fund. Don't get me wrong, being a full-time mom is great, but raising children is very expensive. Especially, when you're a single mother. Whether you've raised many children from birth to adulthood or you're taking care of your first child, there are always extra expenses that don't fit into your weekly budget. With the price of childcare rising, along with all of the other unexpected expenses you'll experience as a parent, you need to know about available emergency cash sources. Here are some tips on how to save for a rainy day fund and ensure that you have access to extra money for your family should the need ever arise... And, you know it will.

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Get this Rainy Day Fund Bank on Amazon.

Credit Cards and Mattress Money 

If you try to save on every purchase that you make, you might be able to store away a little extra money for a rainy day fund. For example, utilizing coupons is a great way to see your weekly grocery bill go down. With the money that you don’t spend on household expenditures, you can start your own ‘mattress money’ fund. Of course, you don’t actually need to keep your savings under the mattress, but keeping tangible funds somewhere in your home will come in handy during an emergency. Alternatively, using a credit card when you are in a pickle isn’t a bad idea so long as it is for an absolute emergency. In fact, having a couple of credit cards with large available balances is great for when you have an unexpected, last minute child related expense.

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Short-Term Personal Loans

A lot of people still think that the only types of personal loans available are the ones that are offered by local banks. The truth of the matter is that there are all sorts of lenders who regularly make short term personal loans. At loanpig.co.uk, for example, small to mid-sized personal loans are often approved online in minutes. So, if you have a big expense that you only have a few days to come up with the money to pay, a short-term loan can save the day. These types of loans also come with manageable repayment terms, so you don’t have to worry about your debt skyrocketing. While you may not want to take out a short-term personal loan to pay for a child’s birthday party, it's certainly reasonable to take advantage of a small loan to help deal with emergencies or to help bridge the financial gap between pay periods.

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Charities and Fundraising

There isn’t anything wrong with accepting or even asking for a little financial help whether you're a busy mom or anyone else. There are charities that help moms furnish their nurseries, aid them in rebuilding after tragedies, and just give a hand where needed. A friend might start a fundraiser for a working mom who has always been frugal and yet still is barely managing to make ends meet. There are charities that help moms get toys and clothes for their children during the winter holiday season as well as fundraising efforts that have given working class families the ability to go on amazing international holidays. Find what funds might be available to your family for emergencies and more. 

It is often very difficult for moms to think clearly when facing a financial emergency. You may go whizzing about looking for ways to pay an expense when the solution is right below your nose. Take a breath, relax, and think back to all of the ways you have prepared yourself and your family for the future when seeking a solution. These days, there are all kinds of ways to earn money online. Got stuff to sell? Give Facebook Marketplace a try!

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Keep Household Safe. Remember, Safety First!

How to Create a Safe Family Home

Your home should be a safe environment where you and your family can relax, unwind, and spend quality time together. Unfortunately, break-ins and accidents in the house do occur, which can leave families feeling anxious or unsafe. However, there are many simple things you can do to improve the security of your home. Here are some top tips to help you create a safe living environment for you and your family. 

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Advancements in technology mean that there are plenty of ways to upgrade your home security. For instance, there is now the option to wireless home alarm systems that offer automated updates, enhanced security, smart home integration, and Wi-Fi communication options that can deliver updates directly to your mobile phone or another device. Many studies have found that a home alarm system is one of the most effective deterrents to burglars and other criminals. Upgrading your home security system is, therefore, an excellent way to improve your security and create a safer family home. You can make your home even more secure by installing security cameras on your property. Security cameras have been shown to be another effective way to deter criminals from targeting your home, thus reducing your chances of having a break-in. Home security cameras also now come with several high-tech safety features, including night vision and motion detection.

Have work completed by professionals  

When your home requires repairs or work to be carried out, it is always best to hire professionals who have received enough training to do a safe and quality job. Doing things like installations and repairs yourself may save money, but you risk causing more damage or leaving your home in an unsafe condition during and after you have carried out the work. It is therefore always worth seeking the advice and skills of a trained professional, especially with risky or complex home jobs. Fortunately, you can easily find local professionals to complete tasks, such as expert washer and dryer installation by checking comparison websites online. These sites also give you the opportunity to find the best rates and read reviews from other customers. 

Install outdoor lighting 

Outdoor lighting is another effective burglar deterrent that will help you and your family feel safe when returning home after dark. Having sufficient lighting outside with also minimize the risk of people tripping or having other accidents when passing through poorly-lit outdoor spaces at night. You can also install motion detector lights in your front and back yard to make your home more secure. These will notify you if anyone enters your yard and will help deter criminals from targeting your home. 

Teach children how to stay safe 

It is crucial that you teach your children how to stay safe at home, and you should also test whether they understand the importance of this advice. According to childhood101.com - “Regularly role-playing different scenarios is one of the most effective ways to ensure that your child will act safely should the unexpected actually happen.” 

Here are some of the critical things you should teach your children to help them remain safe at home: 

• Explain to your children that they should never answer the door to strangers. 
• Make sure that your children know their full address, home telephone number, and parents names. 
• Teach your children when and how to get help in an emergency - make sure they know how to call emergency services in your area. 

Check your front door 

Your front door is the main entrance and exit of your home, so it is extremely important. Burglars often target the front door and use this to access a property. For that reason, you should regularly check your front door for any weaknesses and ensure that it is secure at all times. You can easily enhance the security of your front door by installing a deadbolt strike plate. Or, you can improve any weak spots by using a doorway reinforcement kit.

Keep items stored away 

Having toys and other items left out around the house can cause accidents like trips and falls. Keeping your house clean and clutter-free will help reduce the likelihood of accidents and injuries occurring. What’s more, having expensive items visible through windows or left in the yard, could attract burglars and encourage criminals to target your home. You should, therefore, encourage your children to put their toys away when they are finished with them. Make sure that you also keep any valuable items out of sight and locked away where possible. 

Creating a safe family home is crucial, which is why keeping the tips above in mind is key. By creating a haven to relax and rest in, you can sleep easy at night, knowing no harm will come to your family. 

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Kitchen Safety Tips for Kids

How to Keep the Kitchen a Safe Place 

Thinking of doing a kitchen remodel? As parents, we need to remember to always put safety first. This is especially true when you have toddlers. Little ones often get into mischief, and you want to know that they’re out of harm's way. To toddlers and preschoolers, the kitchen is a magical place. When they wander into the kitchen, they also wander into an area that has several safety hazards. So, how do you keep the kitchen a safe place for your kids?

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Make your kitchen kid-friendly by paying attention to the small details. Ensure things like
fires, injuries from sharp objects, and slip and falls are avoided whenever possible. Below are some ways that you can help you  learn how to keep the kitchen a safe place for toddlers and adults alike!

Kitchen Safety Tips 

Invest in Good Lighting 

As simple as it may sound, having good lighting is a great way to make your kitchen safe for kids. When you have good kitchen lighting, you can see what you’re doing and reduce the risk of accidents. The fun thing about choosing lighting for your kitchen is that there are so many different types to choose. Good kitchen lighting should complement your interior design as well, as, give you enough light to use your space in all the ways that you want. We use our kitchen as our homeschool room, so lighting is a key factor. To modernize your kitchen for better safety, under cabinet lights often serve double duty as spotlight lighting for preparing food on the worktops, and as softer lighting in the evening when the main lighting is switched off. 

Keep a Fire Extinguisher Nearby 

Fires are a common occurrence, and because there are so many hazards in the kitchen, everyone should have a fire extinguisher in their kitchen. It has been said that over 150,000 fires take place in the kitchen every year, so you want to be prepared in case it ever happens to you. Place the kitchen fire extinguisher near your stove so that it’s easy to grab quickly. You’ll also need to learn how to use it, There are many online resources that teach how to use a fire extinguisher or contact your local fire station . Lastly, note that fire extinguishers have inspection dates that expire, so ensure that you’re up-to-date.  

Store Objects in Cabinets 

If you have sharp objects or ones that could harm your toddlers, you should put them into cabinets. This will ensure that they’re out of reach and minimize the risk of accidents. If you don’t have cabinets, or the kitchen cabinets that you have aren’t secure, you should install new ones. Cabinet Doors ‘N’ More sell quality cabinet doors; their replacement cabinet doors are made from solid woods, such as hard maple, paint-grade hard maple, red oak, and cherry. 

Slip-Resistant Flooring 

Slips and falls happen all of the time, but there are several ways to help prevent these kitchen accidents. The kitchen is especially prone to accidents like water spillage and cooking grease. So, you should get slip-resistant flooring installed in the kitchen. Some examples are wood with a flat finish, textured vinyl, or laminate flooring. Kitchen laminate happens to be somewhat easy to install and it's very durable. 

First Aid Kit 

In the event that an accident does happen, you should have access to a quality first-aid kit. Keep it in a cupboard, on a shelf ,or in your kitchen storage pantry for easy access. Some items you should have in your kitchen first aid kit include: bandages for cuts, dressings, and burn ointment. 


Whether you're giving your kitchen a quick makeover to make it safer for the kids, or a full kitchen remodel, we hope you find these kitchen safety tips for kids, especially toddlers, helpful. For more family activities and safety tips, please follow us on Pinterest.

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What are Good Outdoor Games to Play?

10 Great Outdoor Games for Kids

The days of simple parties where balloons, music, and a cake with candles were enough are long gone. In 2019, fun birthday ideas are at a whole new level. You need these 10 great outdoor games for kids to get moving and enjoy their special day.

Kim and Kanye set the bar high with a "kidchella" themed party, featuring bouncy houses, a Ferris wheel, and several music stages. While you won't have the same budget as the Kardashians, take inspiration from their intuitive ideas and create a party with good outdoor games to play.

If you're arranging a summer party for your kid's birthday bash, what outdoor games can you play? Read on for the 411 on which outside games your kids will actually love!

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Outdoor Games Kids Will Love

We all know the math. Kids + Birthday parties = Chaos!

Instead of expecting kids to sit around, drink tea, and chat like adults, prepare some cool games that will burn all their pent-up party energy. We've chosen 10 outdoor games that will have your guests giggling from beginning to end. Are you ready? Let's get this party started!

1. Hop Your Way to Victory

Try a traditional sack-race to get the kids moving. Give each child a good quality burlap bag or king-size pillowcase. Line them up in a grassy area and have them hop their way to victory down a marked path.

To mix it up a little, decorate the plain sacks. Make it more challenging and make the marked path curvy. Even if you just do it the old-fashioned way, it'll get a lot of laughs on the way, Scout's honor!

2. Make Your Birthday Party Pop

Balloon stomping is one of the best group games for parties. What's a party without balloons popping?

Before the party starts, prepare by blowing up at least one balloon per guest and a few extras just in case. Tie a long string or ribbon around the end of the balloon so that it is long enough to tie around the children's ankles.

When the party gets started, tie a balloon around the ankle of each child. The aim of the game is to pop everyone else's balloon while protecting your own. The last kid with an intact balloon wins.

3. Jump to It

Let the kids blow off a little steam before you sit down to open presents. One of the best outdoor games for kids, is an outdoor bouncy house. Hiring a bouncy house is an exciting treat for the kids! It really is fun for all ages (even big kids!)

From bouncy houses and inflatable water slides to blow-up climbing walls and bouncy bungee runs, knowing which one to choose boggles the mind. Do your research to find out more about the options and you'll find the perfect match for your big outdoor birthday bash.

4. Treasure Hunt

Treasure hunts have been around a long time, but they're still one of the most interesting outside games for kids to play. Adapt the hunt depending on the ages of the guests and the style of the party. Be sure to offer prizes and other birthday party favors for the winning team.

For instance, create a list of items in nature they have to find in a certain time limit. Give each guest some magnifying glasses, binoculars, and a treasure bag for their adventure. They can search for various bugs, pinecones, daisies, leaves, and more on a nature scavenger hunt or you can hide items throughout the yard and give them a list of riddles to solve to find the next treasure. As an alternative, hide pieces of treasure and candy for the kids to find. Give them a bucket and send them on their scavenger hunt,

5. Cool Pool Party

Fun birthday ideas for the summer usually involve water. Wet and wild games give kids the chance to get soaked and cool off. A pool prize search is one of the most fun outside games for a kid's party.

Use an inflatable pool filled with water. Hide weighted treasures at the bottom of the pool. Then, fill the rest of the pool with floating toys and balls, so that it's hard to see what's at the bottom. Give the kids a time limit and tell them to find the treasures at the bottom of the pool.

If kids are a bit older and it seems too easy, try blindfolding them. Their teammates can shout out directions to help them find the treasure.

6. Use Your Noodle

One of the cheapest outside games for kids is Pool Noodle Croquet. It's budget-friendly but takes a little bit of time to set up.

Create several pool noodle arches in your back yard and stake them into the ground. Give each child a pool noodle and an inflated beach ball. The idea is to be the first to get the ball through the course of arches.

7. Make a Splash

Another variation of a classic game is water balloon baseball. It's one of the easiest outdoor games for kids and parents because it's so easy to set up.

All you need is a baseball bat and some pre-filled water balloons. Make sure the guests are ready to get soaked!

8. A Tasty Mess

Fun birthday ideas have got to include cakes and treats, right? So why not turn your dessert into a game? When played outside, this donut game is lots of fun.

Tie dangling donuts from a high place, such as a tree or doorway. Then have a donut eating race, without using hands. Chocolate donuts make the most mess, so be ready with a cleanup team when the game is over.

9. Water Shoot

Here's another outdoor water game for you. Divide the party into two teams. For each team, string a plastic sand pails onto one end of a clothesline.

The concept of this game is for each team to work together to move their bucket along the clothesline, using only the spray water guns. Of course, if you don't have enough squirt guns for the party, you could fill up plastic bottles instead. Be sure the squirt guns are powerful enough to make the pails move!

10. An In-Tents Party

Another awesome outside party activity is camping. If camping somewhere remote is too much of a task, just set up a camp ground in your backyard.

Set up tents and a supervised fire-pit. Play some camping-themed games during the day. And when it gets dark, roast some s'mores on the campfire and tell scary stories.

Keep Calm and Party On!

We hoe you like this list of outdoor games with a twist for parties. Pick one, two, or as many outside games as you want, to make your birthday bash super fun!

What if it turns out to be a rainy day and you can't have fun in the sun? For some more games inspiration, both inside and out, check out the "Games" section of our blog.

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Strawberry Cheesecake Pancakes Recipe

Strawberry Cheesecake Pancakes

Nothing says summer like Strawberries!  Add some summer to your breakfast with these yummy and easy strawberry cheesecake pancakes. Keep scrolling to learn how to make strawberry cheesecake pancakes!

This post contains Amazon affiliate links.

Strawberry Cheesecake Pancakes Recipe.

If you're a fan of pancakes, strawberries, and cheesecake, watch out! These pancakes are irresistible! Your family will think your're a gourmet pancake guru when you serve up this simple, easy strawberry cheesecake pancake recipe that you make from scratch! It's the perfect pancake recipe for a quick family breakfast  or a fancy girl's get together brunch.

Cheesecake Pancakes Recipe

Ingredients:

1 T lemon juice

1/2 c milk

1 c flour

1 T sugar

1/2 t salt

1 t baking powder

1/2 t baking soda

3 oz. cream cheese

1 egg

1 c strawberries, finely chopped

How to Make Strawberry Cheesecake Pancakes

• Mix together lemon juice and milk. 

• Allow the milk mixture to sit for 5 minutes. 

• Milk will curdle slightly. This is good.

• Stir together the dry ingredients: flour, sugar, salt, baking powder, and baking soda.

• Beat the cream cheese until it is smooth. Small chunks will remain.  

• Add egg and milk mixture. and blend.

• Gradually add dry ingredients with minimal mixing.  

• Stir in strawberries.  

• If the batter is too thick, and a little more milk.

• Grease a skillet or pancake griddle and heat to medium-high on the stove. 

• Drop 1/4 c. scoops of pancake batter to the hot pan.  

• Cook until golden brown.  

• Flip strawberry cheesecake pancakes, and repeat on the other side.

• Dress up these cheesecake pancakes with sliced strawberries, whipped cream, or strawberry syrup.  

Don't forget the butter!

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Best Family Summer Vacation Tips

How to Make This Summer One of the Best for Your Family 

The reality of life is that unless you have access to mass funds, you have to work for a living. This means that when you have a family, you’ve got to become a master at balancing work and life. For several families, this means making the most of summer vacations as this is when the kids get the most time off school. As a parent, you may wonder how you can ensure that your children feel your presence and enjoy being at home full-time during summer vacation. Here, you’ll find some tips on how you can make this summer one of the best yet for your family. 

This post contains Amazon Affiliate links.

Tips to Have the Best Summer Vacation

Be Present 

The first summer vacation tip for making this summer memorable for your family is to be fully present. This is hard to do in a digital age where people are constantly glued to their phones, tablets, and any other device they can find. Parenting meditation, which is when you focus on hearing, seeing, and understanding your kids can help you stay in each moment with your family and drown out the background noise. 

It also helps when you put your gadgets away while spending time with your kids. Remember, it’s all about them for that moment, so if possible, let everything else wait until later. 

Have Allocated Quality Time 

The next vacation tip is to focus on quality over quantity. It has often been said that it’s less about how much time you spend with your kids and more about the quality of the time that you spend. So ensure you allocate time that will be spent with your family and try to stick with it.

To spend more quality time with the kids, make the most of your everyday routine. This means inviting them to cook with you, making cleaning up fun and taking walks instead of the car. Also, making a conscious effort to eat at least one meal a day together could make a world of difference too. 

Go on Vacation 

If you can afford it, why not take your family on vacation this summer? Going on an adventure to a new place is one way to create unforgettable memories. Believe it or not, an affordable destination that everyone in your family may enjoy is Indonesia. It’s home to the famous Bali, and there are more than enough activities for you to do there as a family. They also have family-friendly villas in Seminyak that you should consider when you’re looking for accommodations. 

Plan Activities 

Instead of guessing your way through each day, why not plan your activities instead? Think about one or two fun things you can do with the kids every week so that you all have something to look forward to. It could be as simple as having a small family BBQ or planning a family and friends game’s night. 

This is also your chance to explore your city and go to museums, festivals or anything else you may find interesting. Think about creating something tangible with your kids, whether it’s a family tree, scrapbook, or painting. This will give you  memory to look back and smile about once it’s time to head back to school.

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Best Software for Small Business

Need Virtual Assistant Software Tools?

In today's world, if you're a small business owner and you don't have a virtual assistant, you probably should. More than likely, you also have marketable skills you can use to work remotely from home as an online virtual assistant. As a small business owner or independent contract worker, the only thing holding you back, is your knowledge of the many tools available to make the work easier. So, what is the best software for small business? Keep scrolling for our favorite picks for tools to use with a virtual assistant. 

Tip: Use these tools to teach your homeschooler and they'll have the skills necessary to set up shop at UpWork, an online site for freelance work. If you're tech savvy, you may already be using some of these online software options.

This post contains Amazon Affiliate links.

5 Best Online Sites or Apps for Software for Small Businesses

• Google Docs -  Google Docs does everything Microsoft Word does and then some. In the brick and mortar world, Word is king. Most businesses expect their employees to know how to use it. They probably bought it years ago and keep paying for upgrades. However, Google Docs offers many features that make it stand out from similar publishing software programs.

It's all in the cloud. Your documents live in the cloud. When you're working with people who require Microsoft Word Docs, simply convert the Google Docs with a click of a button. You can also save your documents as ePublications, PDFs, and RTF files.

Another great feature of Google Docs, is that you can leave comments and other markup on the    document. If you're working with someone on the other side of the world, they can check in at their convenience, read your notes, and make changes or suggestions any time of the day or night. If you're in the same time zone, schedule a time to work together and you can do a live text chat right inside the document. This feature is also nice when your homeschooler is writing a paper and needs some incentive or a little collaborative help with editing.

• Thermostat -  If you want to create professional User/Customer Surveys, thermostat is your new best friend. You can create one survey per month with their free option, but if you really need to collect data for your small business, upgrade to the paid version. These surveys will help your engagement and marketing teams (ha, you- if you're a really small business) understand how your customers interact with your online products or gather any type of data you may need to collect.

• PicMonkey -  If you're somewhat technically challenged and need to do simple graphic design or overlay your logo or other watermarks onto your image, PicMonkey is your best friend. The free options is more than enough for a casual user, but if you regularly do images for social media, you'll want to upgrade to the paid version which is under $10 per month. There are similar options out there, but they have a bigger learning curve. PicMonkey is extremely user friendly. This online graphic software also works for homeschool digital art projects.

• TeacherSherpa - Continuing with the graphic design theme, if you're a teacher, a retired teacher, a soon to be teacher, or a homeschool parent who creates lesson plans, TeacherSherpa offers an online software tool to help you create lesson plans to sell online. The creation tool feature is free to everyone and includes fun, education related clipart. The best part? You can create lesson plans with TeacherSherpa's online editing software and upload them to sell on their site or similar sites that sell teacher resources. If you were thinking about a small online business to sell lesson plans or similar items, this software is what you want.

• MailChimp - You've got your word documents, your customer surveys, and your digital graphic software, now you're ready to create an email newsletter campaign. There are many subscription newsletter options out there, some are very inexpensive, some are free, and some are way too complicated for the Average Joe to use with out getting frustrated. As a small business owner,  you're an Average Joe. Unless your mailing list has thousands of subscribers, use MailChimp's free option. With MailChimp, you can easily create professionally looking newsletters with their free templates. Add in the graphics that you created with the best free digital design software mentioned above, and no one will ever know that you're tech challenged. Now you can even create free landing pages with their templates.

Hopefully, these recommendations for the best software for small business have motivated you to get started. Don't fear the tech in the cloud; embrace it! You'll be surprised how easy it is to become a virtual assistant or to work with a virtual assistant, once you take a little time to learn some new software.

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