Funky Frugal Mommy

Whether you are getting married, newlywed, or looking to reconnect with your spouse about your finances, the money talk is one of the most important you will have as a couple. Having the money talk early and often will build trust and inspire a deeper connection with your spouse. Deciding if and how you will combine finances and also how you will budget your life together will help you set realistic financial expectations for your future together. Talking about money seems uncomfortable to most, but why not look at it instead as an opportunity to learn more about your partner and their priorities? Consider setting aside an evening or two to ask questions around your spouse’s financial past (such as what is your credit score?), lifestyle choices (such as what’s an ideal emergency fund amount), and future plans (what do you want retirement to look like?) Click here for more budgeting for newlyweds questions. There’s not one right answer for questions about personal finance so having ope

House shopping can be an exciting time for families, but also an incredibly expensive and time consuming one. If you're selling your home, it could take upwards of 6 to 12 months in some markets just to sell your old house. While the cost of buying a home might be more reasonable than renting in the long-term, it's still likely to be one of the most expensive purchases you make in your life. Use these tips to help make the right choice of home for you and your family, and to save a bit of money in the process. Talk To Your Agent The first and potentially most obvious way to save on your home is to work with your real estate agent closely. Your realtor is an expert in the housing market; that's why people hire them to navigate real estate. 78% of recent buyers found their real estate agent to be a very useful information source, especially when looking for a good deal on their home. Find a real estate agent you can trust and work closely with them to find the best p

Picking the perfect gift for your mother’s birthday can be tricky. Sure, everyone loves getting breakfast in bed and a bouquet, but sometimes Mom wants something a little special for a day that's supposed to celebrate her. Here are some excellent and unique gift ideas every mom out there wishes for their birthday. 1. Bamboo Bathtub Caddy There's nothing better than a hot bath after a long day — unless you drop your book, tablet or God forbid your wine into the water. Save Mom from all of those tragedies by gifting her a bamboo bathtub tray . It's got a holder for a wine glass, a phone and a tablet or book with three different tilting angles, so it's comfortable no matter how tall Mom is or how small your bathtub is. The bamboo is varnished to be water-resistant, plus the material is more sustainable than oak or other woods. It's also adjustable if your tub is a little wider than standard, so it will be the perfect birthday gift for every mom who loves the o

The short sightedness is  also  called myopia  which  is found to be very common these days. It is the cause of impaired vision mainly in kids. This usually occurs for people who are below the a g e of 40. But the prevalence of the problem is somehow growing  at  an alarming rate. If the person is suffering from myopia, then he  must   have  difficulty to read the road signs and even see the distant objects clearly.   Signs and symptoms  of myopia include   squinting or eye strain and headache. The person or the child feels fatigue d  when they drive or play a  sport . But the  shortsightedness   correction   can be done by wearing glasses or contact lenses.   Causes of  M yopia   The problem of vision occurs m ainly when  the size of the eyeball is too long  comparatively  to the power of the cornea. Hence the focus of the light rays is at a point in front of the retina. It does not focus directly on the surface.   The other cause  also  includes  the curve of the cor nea or the l ens

  There aren’ t too many things that are more exciting than jetting off on a holiday. Taking in new sites, eating new foods and possibly seeing old friends are just a few of the things you can expect to do whilst on a holiday.    However, if there’s one thing that can re ally bring us down when we're on holidays, it’s the cost. Nobody should be forced to sit in their hotel room reflecting over the steps to recuperate their expenses on their holiday.    With that said, we have a whole range of tips and tricks below that will  make it easy to plan a holiday on a budget.   Choose a  s uitable  l ocation   For future holiday-goers who haven’t yet settled on a location, it’s always a good idea to consider a city or town that’s affordable. You’d be surprised by just how much you could sa ve if you chose to stay in a hotel outside of the city you’d like to visit.    Take the time to  make a plan  beforehand which takes travel times and public transport into account. By doing this you'

A new investigation by  price comparison experts,  Money Guru  has discovered that it could take 1 in 4 Brits up to eight years  to save for unexpected household repairs.    Money Guru surveyed British homeowners to discover what part of their home needed to be repaired first and how much it cost. In addition to revealing the top five things likely to go wrong in UK household, the research also uncovered that many homeowners are struggling to save more than £50 per month for household repair; taking them eight years to afford the average total bill of £5,000.  Replacing the windows revealed as the UK’s first household fix The windows have been uncovered as the most common UK household repair, with 1 in 7 (15%) of Brits stating that the windows were the first repair they were forced to make when they moved into their new home. However, with the average lifespan of  new windows lasting   20 years  - it’s a worthy investment.    Coming a close second for the first household fix for homeow