All Articles Tagged "money"

The Road To The Altar: Don’t Worry About How Much I’m Spending On My Wedding

November 18th, 2015 - By Jazmine Denise Rogers
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The Road To The Altar: Don't Worry About How Much I'm Spending On My Wedding


Why are people so obsessed with what’s going on other people’s pockets? No seriously, I’d love to know if you have answers because I don’t. I’ve always heard people say that unsolicited advice and semi-rude comments from relatives are just another part of wedding planning, but I foolishly thought, “No, not my family. My folks are as cool as the other side of the pillow.” And then, Sunday happened.

The day started off great. I was exhausted from getting up at 6 a.m., but in my heart, I felt that it was all worth it. I was able to make it to my Young Women of Excellence Sunday School class on time, and it was a great lesson. My students walked away smiling and hopefully, enlightened. Morning worship had already begun by the time class let out, so I tried to tip through the sanctuary quietly greeting those who I passed as I made my way to my seat. I encountered a male relative during this time, who apparently felt that this was a good time to catch up. No problem. The praise and worship team was rocking the house, so I figured a couple of minutes wouldn’t hurt.

I had only seen him two or three times since getting engaged, and I could tell by how he broached the conversation that he had questions. This wasn’t a problem for me either. I’m an open book when it comes to my family.

“So how are things,” he paused, “with your boyfriend?”

My first thought was to correct him, but I figured it would be petty to get all huffy over semantics. So I let it go and went on to tell that things are great.

“What’s up with this wedding?” he asked. “You’re not going overboard, I hope.”

Wedding planning has been slightly more stressful than I imagined it would be because of all of the coordinating that is needed. But even with all of the effort that it takes to pull off the big day, I am so very grateful, and I try to refrain from complaining—especially when I’m asked how planning is going. So I offered a brief update that included the venue I am looking to book with and the time of year that I hope to hold the ceremony. And that, ladies and gentlemen, is when the foolishness began.

“Don’t be Big Willy at a place you can’t afford,” he advised. “You’ll do all of that and people will turn around and say ‘the chicken was nasty.’”

I’m sorry, what?

I smiled and nodded. Both my fiancé and I are well-established, fiscally responsible adults who would not place ourselves in a financial hole over a one-day celebration, but I get it. In most cases, your family wants the best for you. So even if they’re telling you something you already know, they probably mean well. However, he apparently felt that I wasn’t taking him seriously because he continued to press the issue—even though I’m sure he has no idea how much the venue charges.

“I’m serious!” he warned. “Who is helping you two pay for it?”

While I was beginning to feel that he was being slightly meddlesome, I pushed my feelings aside and told him that my parents volunteered to pitch in simply because they felt compelled to do so—not because I need them to.

“You should think of having it at that community center your aunt works at,” he suggested as if he didn’t already hear me say that I was about to book with a venue already. “It’s nice.”

More awkwardness. Then, he decided that it was time to harp on the date. Apparently, it wasn’t to his liking because it’s a time that he likes to travel with his wife.

“It’s more expensive that time of year anyway,” he said.

Of course, his comment was completely inaccurate. But still, I just let it go. Although I felt annoyed, I figured the conversation wasn’t worth getting worked up over.

I hooked up with my mom at the end of service, and by then, he had gotten to her as well. She serves on the finance team at our church, which keeps her pretty busy. But this same relative chose to badger her the entire time that she was working regarding my wedding and what he felt was an appropriate figure to spend. Did I mention that he hasn’t the first clue about wedding planning and no idea what our budget is? Still, my mother proceeded to tell me that he seemed to feel that we weren’t taking his advice to heart, while adding that she could tell he was getting worked up over the entire thing. Why? I haven’t the slightest clue.

Perhaps I could understand his frustration if we were asking him or other relatives for financial assistance, but we’re not. We’re good. However, it seems that overbearing relatives like him love to act the complete fool during these occasions. I really don’t like fighting with my family, and I’m strong believer in the “eat the meat, spit out the bones” concept when it comes to people and their advice, but I’m really not sure how many more conversations like this I will be able to tolerate—especially if people are going to be harassing my mama. The holidays are just around the corner, so I’ll definitely have to find a tactful way to deal with not-so-tactful folks by then.

Ladies, how do you handle the peanut gallery during major life events?

The Young Boss: How To Groom A Kidpreneur

November 18th, 2015 - By Kweli Wright
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Ethan & Collier Popcorn

photos courtesy of instagram/eandcpopcorn

There are 28 million small businesses in the United States and 543,000 new ones started each month. That number represents a lot of hopes, dreams and creativity. Having an entrepreneurial mindset can help your little one in many ways. Grooming a kidpreneur can help your child with problem solving, teamwork, boosting creativity, and start the path for good money-saving techniques. Even if they don’t become entrepreneurs as adults, it’s still a great skill set to have. If you want to help groom your little kidprenuer you can start with these steps.

A great example of kidpreneurs we admire? E & C Popcorn, a.k.a. Ethan & Collier Gourmet Popcorn, an Atlanta-based online retailer of homemade “gluten-free” gourmet specialty caramel popcorn.


Ethan & Collier Popcorn

Support creative time

Offer painting, clay sets, bead sets, instruments or anything else that is fun and creative and then wait to see what they may be interested in the most. If your daughter likes making bracelets then help her start a bracelet business. If your son likes making clay figures then he can make them and you can sell them at work or at a flea market together.


Ethan & Collier Popcorn

Jot the ideas down

Once you talk to them about their business and if they seem interested enough, show them how important it is to write their ideas down. Together you can make a to-do list of materials needed and even a goal date for having things completed.


Ethan & Collier Popcorn

Create a business plan

After you have the materials needed to help them start their entrepreneurial project, then sit with them and show them how to do a simple business plan. It will need to include the name of their company, a logo they can draw, the purpose of the company, what they will sell, who they will sell to, and how they will market the product.


Ethan & Collier Popcorn

Relationship building and professionalism

Tell them that one really important factor in building a successful business is having good relationships. Tell them that if they are nice to the kids in their class and play fair and treat people with respect, then when it’s time to sell their products those kids may want to buy something. Also, you never know who may be a repeat customer.


Ethan & Collier Popcorn

Expect ups and downs

Talk to them about how a small business might do well at times and sometimes might not sell anything. It’s important that they learn to view failure as just a part of the bigger picture. If they learn that it’s not a negative thing but something to learn from early in life then that’ll stick with them into adulthood.

Ethan & Collier Popcorn

Ethan & Collier Popcorn

Make an impression

Now that they know what they like for the moment and have a business and marketing plan, they need business cards. You can use colored construction paper and cut out even squares. Have them draw the logo, the name of their company and a fake phone number on the card or maybe even your email address that you set up just for their new venture. They can get in the habit of handing these cards out to classmates and their parents at school events. If your kidpreneur is a little older, you can purchase blank business cards from Staples, design them on the computer, and print them out.

Do you have a kidpreneur in the making? Tell us about them and we may feature them here!

How One Mom Paid Off $36K Of Debt In Under Two Years

November 5th, 2015 - By Kweli Wright
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When you have looming debt, nothing can seem to go right until it’s paid off. One family of five erased a $36K burden in less than two years with some very creative solutions.

“I’m a firm believer in living a frugal lifestyle without deprivation,” Amiyrah Martin, a New Jersey mother of three (ages, 10, 5, and 14 months), writes on her blog 4 Hats and Frugal. During a episode of ABC’s FabLife with host Tyra Banks, Martin shares her clever strategies for living simply.

“For our family of five we do a $64 a week grocery budget,” she tells Banks. “It’s very tight. No coupons — real food.” How she does it: Weekly circulars. “You can get 33 cents for pasta or a $1.10 a pound for your chicken breast,” she says.

When it comes to her kid’s clothing, Martin admits she loves name brands but she refuses to pay full price. Instead, she offers friends and family referral links on specialty sites and in return, receives free items of clothing (leather jackets, boots, purses) or cash back. Martin also loves online shopping at rebate sites. “This year we’ve gotten back over $200,” she says.

Watch the full FABLife episode, Thursday November 5th.  Check your local listings at

Have You Gone On A Money Date?

November 4th, 2015 - By Ann Brown
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Source: Corbis

Source: Corbis

Do you have trouble understanding your significant other’s money mindset? Try as you may, you just can’t get the financial priorities of your mate? Well that’s because when it comes to money matters men and women seem to speak a different language.

“Many people think differently about money,” explained Marsha Barnes, founder of The Finance Bar, a mobile hub offering personal finance resources and advice. “In many cases, we’re told that men absolutely think differently, and while this is accurate in many ways it’s not always the gospel truth.

“For men and women, our beliefs and past experiences shape our thinking. However, there are some pretty fair differences in the way that I’ve found men to think differently about money when compared to women,” she added. “Men have a tendency to feel more confident about their money and what they deserve compared to women. In many situations men are more apt to negotiate salaries than women. As women, we have a belief of simply being thankful for opportunities while men have a strong belief in being compensated for what they’re worth.”

Usually, that gap in thinking between the sexes is due to different priorities, Barnes noted. “In many cases men are focused on the key need to eat and survive while women are focused on lifestyle and dressing the part. Unfortunately, there are deep roots that continue to remind women that we must dress up to measure up. Women are very detail oriented while men often see the big picture. For example, ‘How does this purchase help us long-term?’ is a question that men will likely ask.”

Sometimes, due to a lack of confidence when it comes to money, the fear of losing money, or self-esteem issues when it comes to seeking money, women can be hesitant to investment major amounts of money, and take their time when figuring out investment goals. According to some experts, the slower investment approach of women might actually be the way to go. ”It’s interesting that women are usually perceived as being more emotional than men, yet their more-conservative approach to investing often ends up being a better choice, long-term,” Christopher Kimball, president, CK Financial Services, said.

But if you want to get on a joint financial path with your partner, it’s time to learn a new language, and practice full financial disclosure. “It’s always necessary to come to the table and ask your honey to show you their finances. If this conversation doesn’t take place prior to marriage everyone will be left to assume what the other is thinking. Create an open dialogue about your beliefs around lifestyle, shopping, trust, credit cards, travel, debt, lending money, planning for retirement and understanding if you will need a finance gatekeeper for the home,” said Barnes.

One great way to get the conversation started is to set up a regular time and day to discuss your finances. “There should also be consistent conversations around money (finances), I like to refer to them as Money Dates. The more comfortable you become with discussing your thoughts and beliefs, the less confusion there will be,” Barnes suggested.

This is something all couples, regardless of their financial situation, should do. Not speaking the same money language as your mate can lead to a lot of miscommunication, which in turn could cause relationship problems and even divorce. “Money can often be the wrench that tears relationships apart,” Barnes pointed out. “Topics around spending too much, saving too little, or the lack of priority around paying bills can wear greatly on even the strongest marriages. Money decisions and actions point back to the level of respect that either spouse has for their family. How does my husband or wife plan to protect me financially if we’re not even having the conversations? This ultimately equates to how serious and committed we are in ensuring that, financially, our home is a place of comfort and reassurance.

While you may think money shouldn’t be discussed until someone puts a ring on it, Kimball said these conversations should be happening long before then. “It is critical for couples to have in-depth discussions about money matters before engaging in any sort of long-term relationship. Money is one of the top three problem areas in marriage (the other two being sex and communication. People often joke that the problem in marriage is communication about sex and money!”

Sometimes learning a new money language requires a professional, so if you are finding it difficult to speak with your partner reach out to a financial advisor. “It’s important to add balance to each other’s perspective which will alleviate the unknown,” Barnes said. “Both short-term and long-term goals will be conquered once you are speaking the same financial language. Some questions to think about are: How much would we like to have in an emergency fund? Where would we prefer to live? Will we rent or buy a home? How many kids will we have and how does that look from a financial standpoint. Those are necessary questions that require honest dialogue. The only way to see the future is to plan for the future.”

The Cost Of Parenthood

October 21st, 2015 - By Clarissa Joan
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"teaching kids about money"


Like most parents, we love our children and we desire that they have the best of everything. If they need it, we would like to provide it.

But what is the actual cost of parenthood? 

What should we anticipate spending over our children’s lifetime? And how do we make the best decisions for our kids, our wallets, and ourselves simultaneously?

As first time parents, we spent hours researching products, toys, and clothing options for our newborn baby. Then we bought the best stroller, car seat, high chair, and activity centers well in advance of when we would actually need them. Once our daughter was born, I breastfed her, wore her in the baby carrier, and she barely used any of these items.

That’s when we realized that diapers, wipes, clothing, healthcare, and eventually baby food each month, all the daily needs of infants, created the real costs of parenthood. We never factored how much our monthly expenses would increase due to parenthood, and as our children get older, the cost keeps rising.

The U.S. Department of Agriculture annually tracks Expenditures on Children by Families per year. It was estimated in 2013, that the average American family of two parents spends about $245,000 over their child’s lifetime from infancy to their high school graduation. Excluding housing and transportation costs, which were the biggest expenditures, families spend on average $138,000 on childcare, food, clothing, and healthcare for their child.

This means that on average, children add about $7,500 per year to the annual household budget.

How many parents in America can save $138,000 by the time they reach labor and delivery?

Personally speaking, we did not, and we now have two children to care for. We, also, have not talked about paying for college, which adds another $50,000 to $150,000 to the budget.

So how do we do pay for our love of parenting?

Our spending habits have changed drastically from life without children, to life with one child, to life with two children. The good news is that The U.S. Department of Agriculture confirms life with more than one child gets cheaper per capita. For instance we spent less money preparing for our youngest child, because she uses her sister’s stuff.  

Items we spent hundreds of dollars on that were barely used the first time around are now getting sunshine and slobber. For example, we spent $300 on the 4Moms MamaRoo swing chair that our oldest sat in maybe twice. Our youngest daughter, however, loves to spend an hour or two in it each day. Thank God!

Before having multiple children, we bought baby clothes in abundance months in advance. Now we wait to assess what we already have, when we actually need it, and if there is a sale or coupon that will make the purchase even sweeter. I also take my emotions out of the shopping experience. No more buying something just because it is cute.

Food is the second biggest item on the list of expenditures for children. I still breastfeed both our girls, but they also eat table food. For our oldest daughter, we bought all organic baby food, because we did not feel like making it. But now, we have found joy in using our food processor to make our own. As much as I loved the neat little pre-made packages food, I have to admit that making it at home is much more cost effective.

We don’t pay for childcare, because we are fortunate to work from home. (See How to Afford Being A Mother: Work From HomeHowever, in a year or so, we will have to consider pre-school options for our oldest. In our current situation, an extra $5000 – $12,000 per year for private education is not ideal, but if the public schools in our neighborhood are not up to par, we will opt out.

Everyone likes luxuries and expensive experiences, but I must admit we have spent less money on these sorts of things since becoming parents. Priceline’s bidding feature has become our best friend when traveling.

We are not fans of debt, so budgeting, short-term cash savings, finding ways to increase our income, and/or cost cutting are our major money management strategies in our home. I’d love to hear some of your strategies for managing the cost of parenthood.

Clarissa Joan is a spiritual life coach and editor-in-chief of The Clarissa Joan Experience. She resides in Philadelphia with her husband, their two girls, and a yorkie named Ace. Clarissa is also an expert in impact investing. She is the Communications Associate at Impact America Fund.


Money 101: Financial Wellness Checklist From Prudential

September 23rd, 2015 - By Kweli Wright
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It takes some of us longer than others to figure this out, this writer included, but the same way you schedule annual physicals with your medical doctor, routine checks into your everyday expenses, insurance needs and retirement projections are a must. Prudential financial professionals encourage you to do a thorough review at least once a year using this checklist as a guide.

Keep this financial wellness list of questions below as a guide, but also visit their financial planning site, Bring Your Challenges, for challenges that will teach you about some behaviors that may influence your financial future.

– Does your budget still accurately reflect your current income and lifestyle?
– Is your method of budgeting (spreadsheet, web-based) easy to use? How could it be improved to be more accessible and helpful?
– Review your spending history over the past year, paying special attention to mistakes and unexpected costs. How could you change your habits? Could you lower any bills, such as the mortgage, by refinancing? Are there any service providers, like your cable company, open to renegotiation?

– Do you have an asset allocation plan in place? Does it match your current financial goals and lifestyle?
– Do a complete portfolio review. Is performance in-line with your expectations, investment strategy and goals? If not, what needs to change?
– Is it time to rethink your investment strategy based on comfort level or life shifts such as job loss or a growing family?

– Check your credit report. Is all the information accurate and up to date? Are there any names, numbers or accounts listed that are unfamiliar to you?
– Do you have enough money in your emergency fund to cover at least six months of living expenses?
– Do you have enough life insurance? Click here to get a quick estimate using Prudential’s Life Insurance Needs Estimator.

– Review your physical and financial goals. Are you on-track for the lifestyle you want? Calculate how long your savings will last based on your projected annual retirement expenses using this tool from Prudential.
– Have there been any changes to your plan over the past year? Look through any paperwork you may have received that outlines updated offerings, investment opportunities or contribution limitations.
– Are you contributing the maximum to your retirement plan (especially if you are getting a full employer match)? Have you adjusted your contributions based on income increases?

Read the full list here.

Regular meetings with a trusted Financial Adviser will ensure you always have the support, knowledge and motivation you need. Use this checklist as a starting point for your first meeting with a trusted financial adviser. Click here to find a Prudential Financial Professional near you.

How To Rebound Financially After Divorce

September 22nd, 2015 - By Kweli Wright
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Women not only struggle to get back on track emotionally after a break up–many also find themselves struggling to recover financially. Patrice C. Washington, the Money Maven of the Steve Harvey Morning Show, explains that between a lack of financial resources and limited knowledge of money management, divorce can often add insult to injury.

To ensure financial stability is on the horizon, Washington provides tips on how to rebound financially after divorce:

Get Clear About Your Role: The first step is to be honest with yourself. If you are in a financial mess, outline what you did (or didn’t do) that may have contributed to the issue. Did you participate in frivolous spending? Or were you okay with not knowing what was going on financially? Once you acknowledge your role, you can figure out how to avoid the same type of destructive behavior in the future.

Get Educated On Where You Stand Financially: Once you have a clear picture of how you ended up where you are, it is important to create a plan of action Start by creating a realistic budget based on your new solo income. Next, pull your credit report at annualcredit-report. Make sure everything you see is actually something you recognize as your debt and create your plan for debt elimination.

Get Professional Help: Look into no-cost or low-cost consumer credit counseling in your area by visiting the National Foundation for Credit Counseling at nfcc. You want to find a counselor that can help you set realistic financial goals and get a sound plan in place to meet your unique needs at this delicate stage of life.

For more information, visit Book The Money Maven.

Follow her on Twitter at @SeekWisdomPCW for practical tips on wisdom, wealth & business.

About Patrice Washington

Known as the Wisdom & Wealth Money Maven, Patrice C. Washington is the Founder and CEO of Seek Wisdom Find Wealth, a personal finance training and development firm based in Atlanta, GA. She is a nationally recognized personal finance columnist, television commentator, radio host, author, speaker and leading authority on personal finance, entrepreneurship and success for women and youth. Patrice is the author of an Amazon #1 Best Seller in Personal Finance, Real Money Answers, a series of sensible, straightforward, personal finance books and coaches men and women through her groundbreaking personal finance seminar, the Mindset + Money Master Class. Patrice has been featured in media outlets such as NBC, Black Enterprise, The Huffington Post, Upscale Magazine, SHEEN Magazine, and many more.


Family Finances: How To Explain Foreclosure To Your Kids

August 20th, 2015 - By Allyson Leak
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sad teen and parent

These are hard financial times we are living in, and unfortunately foreclosures are rampant and families are being forced to downsize. If you find yourself with a foreclosure notice on your doorstep, the best thing to do is try and remain as calm as possible, at least in front of your kids.

As much as you might feel the need to unravel, you can’t. It is time to figure out game plan B and C if you haven’t already. If you know you don’t have the money, call the bank one more time to try and negotiate something. If that doesn’t work and they won’t budge then think about your immediate needs.

Do you have siblings or parents or friends you can stay with for a little while?

If so, go and talk to them in person and explain your situation. Asking people for help is not easy, however, making sure your family has any roof over their head is the priority.

In the meantime, what are you going to tell your kids? If they are little, then there is no need for a lengthy conversation. But if they are old enough to know something isn’t right, you owe it to them to say something. This doesn’t have to be an entirely negative experience. Take on the perspective that you will be a stronger family if you can explain foreclosure to your kids, and learn how to manage money more effectively together.

Change Can Be An Adventure

There is no “right” way to tell your child about the situation but you know them the best, and this is where your instinct comes in.  You probably should spare them all the gory details and specifics about your bank account amount. Maybe you could explain that you want your family to lead the best life possible but to do that, some things have to change along the way for a little while.

Tell them that change is good and moving will be an adventure. Tell them that to keep track of the experience you guys will turn it into a fun book where you write about it and take selfies. Get them involved in packing and taking pictures of the experience as part of their book adventure. Make it fun!

More Quality Time

During a big life change, they need you more than ever. In the midst of figuring out how you will save your family, you might not be in the mood for a walk or picnic in the park with your child, but they probably need it. The more one-on-one time you spend, it will allow you to listen and see how they are feeling about everything. This is especially important if you’re leaving behind a home they’ve been in for a while, that they’re attached to. 

Teach Kids About Finances

Once you find somewhere to stay, whether it’s with a relative or in a small apartment, have a family meeting about the things you are all going to do differently.

Everyone can learn from fiscal mistakes and now is the time to create financial goals. And eventually, when you get a handle on it, teach your kids about money and debt. Talk to them about the importance of saving even if it’s a little amount at a time. It will make all the difference. 


Let’s Just Be Honest: Why New Millennials Stay Broke

August 19th, 2015 - By Deja Jones
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If we’re keeping it 100, a big part of why new millennials are broke is that we often live beyond our means. Trust me, I’ve done it too. We go to brunch with friends when we know we don’t have the money to do so. Endless mimosas, buffet-style brunches…it’s all fun and games until a bill shows up in your mailbox and you can’t afford to pay it. We’ve adopted the model that our 20s are our fun years. It’s the time to explore, be adventurous and be fully alive, which is why we have such a hard time saying no to invitations to things that are going to end up costing us in ways that we know we shouldn’t be spending our money. We’ve followed the happy hour crowd Monday through Friday to the bar, spending money on drinks and running up tabs. But yet we carry on being financially irresponsible while struggling to keep our heads above water and money in the bank. Yes, for some of us, being broke is a result of poor budgeting. But for others, it’s from a lack of stability and opportunities.

For new millennials who have accepted the fact that we can’t afford the lifestyle we want, saving isn’t even a priority, especially when the bills keep piling up. Although jobs are being created to combat the unemployment rate, they aren’t necessarily jobs that we qualify for. So these days you’re either overqualified for the retail position or underqualified for the entry-level job.

Over some drinks, a group of friends and I were talking about how no matter how much we try to save, there’s always a bill blasting our accounts. One bill gets paid just for us to be faced with another hefty one. Thorough grocery shopping has become a luxury and it’s a wonder if your fridge and cabinets have food in them throughout the week. Trying to balance our budgets leaves hardly any room for a social life if activities aren’t free. And contributing to the national debt in student loans, we’ve cried about how life would be so much easier if our salaries matched that of our student loan debt. But truth be told, it is nowhere near what we owe, and while we plead with Sallie Mae and Navient each month when we don’t have money to pay them, they remain relentless.

Even with bachelor’s degrees, master’s degrees, certifications, and credentials, the only full-time job some of us have been able to land is the full-time hours that we place into searching for a gig. While this may sound depressing, it’s a story that a lot of new millennials share. It’s the reason why many of us have pulled ourselves up by our bootstraps and have created our own way, starting our own businesses and creating our own platforms. But even in creating our own way, we need the money to fund it. It’s the never-ending cycle of broke.

I recently saw a meme that read “Livin La Vida Broka” and I almost lost it in laughter. But after associating it with the Ricky Martin song, I realized that, yes, we new millennials are some broke asses. But like those before us, we sure know how to find and make a way.


Keep Your Cash!: The Best Coupon Sites For Moms

August 6th, 2015 - By Rich
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Lets face it, kids are expensive and whether you have one child or five, finding ways to save money can always help out. Online coupons can become a parents best friend if you know where to find the ones that actually work. The world of online couponing is so vast and can become overwhelming for some. There are two types of “Online Coupons”: “Code-Based Coupons” and “Link-Based Coupons.” Code-based coupons are where the consumer enters the coupon code at checkout to redeem the coupon and link-based coupons are where the consumer clicks through to the retailer using the link and the discount is applied at checkout. Check out these best coupon sites for parents…
With over 170,00 coupons and deals, CouponCabin helps you save at all the stores you love – and at the stores you didn’t know you could. For over ten years, they’ve been working with their merchant partners and scouring the web to create a true one-stop shop for savings. Whether you’re looking for an online coupon code, a printable coupon, a grocery coupon or a free sample, they have it.
What started out as two eager young women shouting deals from their home computers has grown into a national phenomenon. Heather and Joanie have appeared on the Today Show, The Early Show, TLC, The Nate Berkus Show, and Fox & Friends. The two friends now run a highly successful company of people who work tirelessly to uncover the best deals in every category so that families everywhere can afford to live well.  They continue to live by the mantra that “You’d be krazy not to be one of us!”
Hip 2 Save is run by Collin Morgan, who started the site when her first kid was born. Hip 2 Save offers loads of money-saving tips, online freebies and deals, in-store bargains. You can sign up for the free Hip 2 Save app for iPhones, Android and Kindle devices. In addition to bringing you all the latest deals, coupons and freebies, the Hip2Save app offers lots of extras like a budgeting tool, weekly contest, store coupon policies at your finger tips, restaurant deals tab and more.
Heather Schisler is the founder of The wife and mother of two loves saving money and is passionate about teaching others to do the same. She says on her site “I’m a firm believer that Saving Money is about more than using coupons. Yes, I often claim a few extreme couponing tendencies but for me saving money is about being in control of my money and being able to afford not just what my family needs but a few of those things we want as well. I love saving money on everything from Toothpaste to Designer Jeans so I hope to find and post something for everyone regardless of where you are on your money saving journey!”
Keri Lyn is the founder of and says she is a quirky artist chic who loves to shop, save and share ideas. The full-time wife and mommy says  “I can hardly stand to pay full price for anything, however, I am also a brand loyalist, and will take quality over quantity any day of the week. I think that consumers should be informed and involved and that you have every right to get the best bang for your buck. I also believe in playing fair and playing by the rules. That is what makes life fun! I believe in recycling, using what you can, and donating what you can’t use to those in need.”
RetailMeNot is a marketplace platform that helps retailers and brands connect with millions of active shoppers anytime, anywhere to drive engagement and sales. With more than 600,000 coupons and offers for 70,000 retailers, they operate the world’s largest marketplace for digital offers.