Category: Frugal Living Tips

Better Than Fruit for Breakfast: Delicious Food to Fuel Your Day

fruit for breakfast Don’t worry I’m not going to start this article talking about how important it is to eat breakfast in the morning. You already know that!

However, if you are like me you often end up eating the same thing every morning because of its convenience. And while fruit is a fantastic and healthy option, sometimes you just need a treat.

Here are five delicious treats that are better than fruit for breakfast.

1. Oats

Did you know oats have been proven to reduce your risk of heart attacks, strokes, and cancer? These super foods are incredibly rich in healthy compounds and great at eliminating the not-so-healthy ones.

Not all oats are created equal though.

If you want to maximize the good ingredient, avoid eating packaged and processed oats. Oftentimes these are filled with too much sugar and preservatives.

2. Eggs

The second food to keep your eye on for breakfast is eggs.

Not only are they packed with protein and essential vitamins, but they’re incredibly versatile as well. One day you could have a poached egg, and the next you could have them scrambled.

I love to make omelets. This allows me to get in some of those other essential vitamins and minerals through added vegetables.

This is a plate that you can get creative with and one that will be a healthy alternative to your classic fruit dish.

3. Waffles

Next is waffles, and yes I do mean it! Waffles and pancakes can be a delicious and healthy treat for breakfast, especially when made with whole grain.

One of the benefits of waffles is the variety of toppings you can add to it. Whether you’re craving something sweet or salty.

Another benefit is that they are so easy to make! Just pull out your bella waffle maker and whip them up with simple, everyday ingredients.

Within 5 minutes you’ll have a delicious and filling breakfast snack.

4. Crepes

Like waffles and pancakes, crepes are another delicious alternative with lots of topping options.

Entire businesses have been devoted to making great crepe recipes that are both sweet and savory. However, regardless of your taste palette, you can be sure that the crepes won’t add much sodium or cholesterol to your diet.

Bonus tip: Add peanut butter to get a little extra protein in your day.

5. Smoothies

If you are still craving fruit for breakfast, but you want to have a change in your routine, smoothies are a great alternative.

You can never go wrong with strawberry and banana blends. Add spinach or kale to get an extra dose of fiber and keep you fueled for the rest of the day.

Plus they are great for when you have to eat on the go!

Enjoy More than Just Fruit for Breakfast

Each of these options provides delicious and healthy alternatives that will keep you fueled until lunch.

As an added bonus, they’ll also leave more room for yummy desserts at the end of the day like my favorite triple-layer cracker toffee bars. Yum!

Speaking of which, I think I might have some cooking to do.

Do you have any special breakfast treats? Share them below in the comments!

Want more awesome tips? Check out our website!

DIY Bed Bug Management: When to Call an Exterminator

diy bed bugBed bugs are notoriously hard to get rid of.

Still, if you see the pests in your own home, don’t panic and call an exterminator just yet. There are ways you can start combatting the invasion on your own — for a lot less.

Try these DIY bed bug tips, and make sure to learn about what you’re dealing with.

Armed with the right information, you can decide when to tackle it yourself and when it’s time to call in extra help.

DIY Bed Bug Management Tips

1. Kill Them With Cleanliness

Washing bedding at a temperature of at least 120 degrees with laundry soap can kill the infestation. The “hot” setting on your washing machine should do the trick.

Bed bugs also can’t live through a hot dryer session. So, dry your bedding items on high after washing and you should be able to eliminate the problem.

Use a sealed bag to take bedding to the laundry room. This way, you won’t contaminate your existing hamper.

2. Vacuum and Seal

Do a thorough vacuuming of your mattress, bed frame, under the bed, baseboards, or anything else that touches the bed. The bed bugs will probably hide in any crevices they can. So, be sure to get into hidden spots.

Throw out the used vacuum bag outside, so bugs can’t get back in. Then, buy a bed bug-proof case to seal your clean mattress.

3. Spray the Bugs Away

Get a pesticide that works on bed bugs and scrub down your bed frame, headboard, baseboards, dresser, and other hard surfaces. Bed bugs can’t live in metal furniture. However, they will nest in a porous surface like wood.

Always read the formula’s label carefully. Even pesticide from the best bed bug company  won’t work if it’s not used correctly. Make sure you use it properly so it is effective, and keep in mind that some bedbug sprays may be toxic to pets.

4. Starve Them Out

It’s possible that no matter how much you clean, the bugs will still hide in places you can’t reach, like in the walls or under the carpet.

Fortunately, you can help get rid of hidden bugs by starving them. Make DIY bed bug traps so they won’t be able to reach their source of food: you!

Be careful when building traps, as some materials that are toxic to bed bugs can also be toxic to you. This trap uses carbon dioxide, which, although natural, is harmful to humans in large quantities.

5. Treat Your Pets

Although bed bugs don’t live on the hosts they feed on the way fleas do, bed bugs can still pester your pets.

They may move into pet bedding or stuffed animals. They will need to be treated the same way you treated your own clothes and bedding.

Bed Bug Management Solutions

If you have a relatively minor infestation, these tips should help you fix the problem.

Even if you decide that you need to call an exterminator, doing some DIY bed bug management can help keep the problem from growing in the meantime.

What are your favorite DIY pest control tips? Leave a comment and let us know!

5 Reasons Why Moms Need Life Insurance for Women

life insurance for womenAs a busy mom, life insurance might be the last thing on your list of priorities. Between childcare, making sure the house is livable, and taking some time for yourself every once in awhile, it might already seem like each day needs another twelve hours.

However, whether you’re a working momma or a stay-at-home mom, you need to make sure you have life insurance for women.

Keep reading to find out the top five reasons why.

1. Life Insurance for Women Covers Childcare

It’s no secret that childcare costs are climbing higher every year. If you’re not around, the burden of childcare could fall entirely on your spouse. Odds are they’re going to need some help.

Parents pay an average of $15,895 a year for infant child care at a center. Even if you’re a master of saving money, that long term cost is going to eat away at your savings.

Life insurance would help offset that.

2. It Helps Replace Your Financial Contribution

Working moms are more likely to buy life insurance. But what about the stay-at-home moms who don’t see a reason to set it up?

Don’t sell your contributions short. Stay-at-home moms can save families upwards of $100K a year with all of the services they provide: personal chef, nanny, chauffeur…

Taking out a life insurance policy would help to make sure your family will be able to stay afloat without your six-figure contributions.

3. You Can Leave Your Children Money

What parent doesn’t want to be able to help their children get on their feet as adults?

Outside of the short-term needs your family could have, life insurance for women can help plan for the long-term as well. Even though you wouldn’t be around, you can still give your kids a nest egg to help them get started in life.

4. It Can Help Cover Funeral Expenses

No one really wants to be morbid and think about their own death. But given that funeral expenses can rise into the thousands, it’s the responsible thing to do.

You wouldn’t want to leave your family both upset over their loss and on the hook for a hefty funeral price tag. The last thing anyone wants to do while grieving is scrounge for pennies.

Instead, make sure you have insurance so that they don’t even have to think about where the money will come from.

5. It Makes Sure Your Family Is Prepared

When it comes down to it, you just never know what’s going to happen. After all, no one ever plans for everything to go wrong.

Smart moms will plan for the worst and hope for the best.

A good company will allow for all possible outcomes and offer policies that will help you out no matter what. The best life insurance company in Canada, for example, also offers disability insurance and critical illness insurance among other products.

Want more tips about how to be both frugal and financially prepared? You’re in the right place. Feel free to get in touch or leave a comment below!

Guide: Finding the Best Fitness Program for You

best fitness programAre you ready to finally get in shape?

With all of the fitness programs out there these days, it can be difficult to find the right one for your body and your life.

But don’t worry, this guide will tell you everything you need to know about how to choose the best fitness program for you!

Read on to find out more.

Check in with Yourself First

Before starting any fitness program, have a little check-in with yourself about what’s going on in your life and with your body. This will help to ensure that you are finding the best fitness program for yourself at this stage in your life- and one that you’ll stick with!

Here are some questions to ask yourself before perusing your options.

How Much Time Do I Have to Devote to Fitness?

It’s important to be honest with yourself here.

Do you have a job, a family, friends or hobbies that take up a ton of your time? Answering this question correctly will help you figure out how much time you can devote to a new health and fitness regimen.

What Are My Fitness Goals?

Do you want to tone up your muscles? Concentrate on flexibility? Work toward running a marathon? All of the above?

Whatever your personal fitness goals are, they should be reflected by whichever routine you choose for the best results.

What Kind of Exercise Makes Me Happy?

It’s undeniable- you’ll stick with a fitness program that is fun for you.

Do you like the aggression of kickboxing? The relaxation of yoga? The structure and results of a 12 week shred?

Everyone is different, and there’s nothing wrong with that. Check in with yourself and figure out what you enjoy to ensure that you will have success with your new fitness regimen.

Focus on One Goal at a Time

After you’ve checked in with yourself about your fitness goals and how you can achieve them, make sure that you don’t try to do everything at once.

If you focus on both fat loss and muscle building at the same time, your exercises and nutrition may be working at odds with each other. For example, if you want to lose weight, you need to be burning more calories than you’re eating. But if you want to build muscle, you need to be eating more calories than you’re burning.

Focusing on one goal at a time will no doubt lead you to the best fitness program for the results that you want.

Experiment to Find the Best Fitness Program for You

If you’re unsure of what type of exercise will be the most enjoyable and effective for you, that’s okay.

Before landing on the fitness program that you’ll stick with, try some new things and stick with them for a couple of months at a time. See what you like, and what seems to be working. And when you find it, stick with it!

It’s Time to Get Started!

Now that you know how to choose the best fitness program for you, it’s time to get out and break some sweat. And if you have any questions or thoughts you’d like to share, don’t hesitate to reach out.

Nature Therapy: The Ultimate Guide to Hiking With Kids

hiking with kidsAre you looking for a way to get your kids off the couch and outside?

Hiking is an amazing outdoor experience. Not only is it a great form of exercise, but it provides fresh air and allows for a little one-on-one time with Mother Nature.

Hiking with kids is an excellent family activity. With a little preparation and research, you can plan a fun-filled day your kids will love.

Read on to find out how.

Pack Wisley

What you bring when hiking with kids is almost as important as where you decide to hike.

There are some essential items that you won’t want to find yourself without.

Food and Water

It’s always important to stay hydrated, especially if you’re hiking in warm weather. Bringing enough water for everyone, and maybe even some extra bottles, will prevent dehydration side effects including dizziness, weakness, and dry mouth.

Snacks are also important when hiking with kids. Bring non-perishable and easy to eat foods like pretzels, granola bars, and trail mix. You can even pack a small picnic lunch with sandwiches, as long as it’s not too difficult to carry and keep cold.

Bug Spray

This is an essential item when hiking in wooded areas. You may encounter any number of insects on your adventure from ants to flies, ticks, and mosquitos.

A quality bug spray will help keep you and your children protected from unwanted bites and irritations.

Proper Clothing

The appropriate clothing for your hike will be determined by the location, expected weather, and time of year.

Since you’re more likely to hike in warmer, more pleasant weather when hiking with kids, you’ll need thin, cool clothing. Lightweight material is best for both shirts and pants. To avoid sunburn, bug bites and cuts from sticks and rocks, long-sleeved apparel is recommended.

The proper hiking shoes will also make the trip easier for both you and your children. Do a little research about the terrain you’ll be hiking on and what boots are best for the job.

Pick a Fun Path

Choosing the right path will make the difference between a pleasurable hike and a miserable one.

Dependent on your child’s age and ability, choose a route that will be mildly challenging, but mostly enjoyable. Paths with a lot of beautiful scenery or a gorgeous view at the end will keep kids interested and moving!

If you and your children are just beginning to explore the world of hiking, choose a place with clearly defined pathways and marked trails.

Know the Wildlife

Anytime you’re embarking on an outdoor adventure with kids, it’s important to know your surroundings well. Be aware of what type of wildlife you may encounter.

Some areas are densely populated with deer and other relatively harmless animals such as raccoon, squirrels, chipmunks, and various bird species. These animals might be fun for you and your children to observe.

But you must also be on alert and prepared if you encounter more menacing wildlife such as bear, bobcat, or mountain lions.

Bring the Right Hiking Gear

Aside from the necessary items listed above, some additional, trail specific items may serve you well when hiking with kids.

A compass will help you navigate if you and your family get off track. Be sure to bring binoculars so your children can observe wildlife, flowers, and spectacular views.

If you think you or your child might need help scaling steeper inclines, these trekking pole reviews will help you choose the right hiking poles and walking sticks for your trip.

Be Patient When Hiking With Kids

As wonderful as a day of family hiking can be, it’s important to remember that kids can get tired and cranky after a long day of activity.

It’s important to remain patient and encourage your children to take breaks when needed. Try motivating each other with words of encouragement. Show your child on the map how close you are to your destination.

If you give your children jobs such as “compass reader” or “animal look out” it will help keep their mind occupied and their focus off the length of the trip.

Looking for other fun activities to do with your children, like making ice cream? Are you a coupon-clipper working on a budget? Visit our site for some great ideas.

If you have other, affordable and fun tips for families with children, leave a comment below.

Planning Flawless Family Ski Vacations

ski vacationWhen you’re looking at family ski vacations, you want to spend less time stressing about the planning and more time getting ready for the slopes.

Ski vacations can be pricey, but the right planning ahead of time can save you bundles of money and stress. With these tips, we’ll show you how to get your family on the ski adventure of your dreams without all the stress.

Be Flexible — But Not Too Flexible!

If you are flexible with your travel dates, you’ll be able to take advantage of promotions and deals. You can often score big discounts if you go on less popular days.

But you also don’t want to go so far chasing a deal that you compromise your vacation! Remember, skiing is a seasonal sport. Without snow, you’re out of luck!

So, if you see a great deal, check what the average weather conditions are like for that area during the time you’re thinking of going. If March in that area is notoriously warm, or they usually don’t have snow by late December, the savings probably aren’t worth the risk.

Instead, consider being flexible with where you are willing to go. 40 states have ski resorts, so you’ve got a ton of choice.

It may be worth going further to get to the resort if you can take advantage of a great sale. So when you’re searching for resorts, cast a wide net.

Consider Alternative Accommodations

A hotel or chalet room might be your default thought when it comes to ski vacations accommodation, but it isn’t necessarily the best one.

Less traditional accommodation can sometimes provide big savings. Condo or vacation home rentals come with kitchen facilities. This means you don’t have to pay to eat all your meals out. Instead, you can cook something healthy and hearty to give your family the energy they need to ski all day!

Plus, vacation homes are often big enough to split with other friends or relatives, helping cut down on costs while making your vacation more social.

Many ski resorts offer these sorts of alternative accommodations. For example, https://www.whistlerpremier.com has vacation homes and condos all throughout Whistler.

Rent, Don’t Buy

Unless you are a family of avid skiers, you probably don’t need to buy your own equipment. It would take a ton of trips for it to be more economical than renting.

When you own the skis, you need to store and upkeep them, and it makes plane travel more expensive. Plus, your kids will be constantly outgrowing their old skis.

Renting is much more economical. However, you will want to buy a few necessities. Ski goggles, gloves, good coats and snow pants are all a must.

Budget Everything

Once you’ve decided on your resort and accommodation, you can draft an accurate budget.

Check out the prices of the resort restaurants by looking at the menus beforehand. Figure out where you can get groceries if your accommodation has a kitchen. Factor in any clothes you still need to buy, like sweaters or long underwear. Don’t forget to stock up on travel essentials like your first aid kit.

And don’t forget a bit of pocket money! You can be sure you’ll want to buy a round of hot chocolates to warm up after a long day on the slopes, and a few souvenirs never hurt. Factoring these expenses into your budget will keep you from overspending.

Wrapping Up

Ski vacations are an absolute blast! With the right planning, you can make sure that yours goes flawlessly.

With some flexibility about your dates, resort, and accommodation, taking advantage of rentals, and having a solid budget, you can set yourself up for a great trip.

Are you planning a ski vacation? How did your last trip go? Leave a reply and let us know!

5 Urgent Reasons to Book Self Defense Classes for Teens

self defense classes for teensYour teenager is never too young to take a self defense class. While you may think your teenager doesn’t need to worry about an attacker, there are some pretty grim statistics out there that would argue otherwise.

For example, persons between the ages of 12 and 24 experience the highest rates of violent crime. 

Violence against women proves to be an especially severe problem in the United States. One survey found that 23 percent of college women experience some form of unwanted sexual contact during their college years.

These statistics aren’t meant to encourage you to lock your kids in the house until they’re 30.

Instead, these numbers should encourage you to be proactive about equipping your teenagers with the right tools to protect themselves in violent situations.

And one of the best tools you can equip them with is self defense training.

Let’s take a look at 5 urgent reasons you should book self defense classes for teens.

1. Don’t Question Intuition

Most parents raise their children to be polite and respectful towards others, and especially towards adults.

This is great. However, teenagers need to understand that if they’re in an uncomfortable or dangerous situation, they don’t need to be polite. They should trust their intuition and leave.

Self defense classes for teens teach that it is okay to stand your ground against someone who is making you feel threatened. These classes teach that safety is always the number one priority and that coming off as rude should always be the least of their concerns.

2. Learn Prevention

Many people are under the impression that self defense classes are all about kicking and throwing punches.

However, a big aspect of a self-defense class is prevention. Prevention is the best way to avoid an attacker.

Self defense classes for teens teach the key components of prevention:

  • Being aware of surroundings
  • Avoiding risky places at night
  • Conveying confident body language

3. Goal Isn’t to Fight

Self-defense classes help teach teens that fighting an attacker is always the last resort.

This is a very important lesson to learn, as many teens will not stand a chance against an attacker who is larger than them.

These classes teach teens that their primary goal is to shock or hurt their attacker so they can get away.

It’s very important for teens to know an attacker’s vulnerable spots: the knees, groin, eyes, and neck.

Classes teach teens how to attack these areas using their hands or using a device, such as a self defense keychain. 

4. Mental Toughness

Most teens struggle with self-confidence.

Self defense teaches teenagers how to face the unexpected and break through uncomfortable situations. There’s no doubt that your teen will come out of these classes a more confident person.

5. Never Blame a Victim

If your teenager does experience an attack, it’s not their fault. Victims should never be blamed for an attack.

Self defense classes help teens learn this important concept. They also teach teens what to do if a friend or family member confides in them that they’ve been attacked.

Self Defense Classes For Teens: Wrap Up

We hope this article convinces you of the benefits of self defense classes.

If you have any questions about self defense for teens, please don’t hesitate to drop us a comment.