Category: Health & Fitness

As 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!

Are 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.

Environmentalists make a big deal out of sustainability. As thrifty moms, though, we don’t always have the cash to live sustainably. For this reason, a reverse osmosis water filter sounds like something many of us don’t have the money to buy right now.

But is the cost really all that high? That is to say, do the benefits make up for the price?

As it turns out, they do. Find out why below.

1. It Uses Less Energy Than Other Systems

If you’re not currently filtering your water, there is a good reason to. Using a filter is like housekeeping for your water.

If you’re already using a filter, it’s likely not as energy efficient as reverse osmosis filters. Systems such as the well-known Filter Pure Everpure systems, for example, do a great job of saving energy while purifying your water.

And saving energy means saving money, which is something we all want.

2. Your Water Will Be Free of Contaminants

You and your family deserve to drink clean water. Without a filter, your household could be doing just the opposite.

From lead to other metals and particles, your unfiltered water is brimming with unpleasant chemicals. As some of you may know, high levels of lead can be particularly damaging, especially to children. Reverse osmosis filters help remove these nasties from your water and limit your family’s exposure to them.

3. You’ll Save Money

As stated above, reverse osmosis water filters save energy, and that means that they save your family some money. These filters can also save your family money in another meaningful way.

Take a look around your kitchen right now. Do you see any bottles of water sitting around? If so, purchasing a reverse osmosis filter could you save the trouble of buying those bottles of water.

As an added bonus, not buying bottled water would definitely help cut down on plastic waste, which means that your thriftiness would be a boon to the planet in this case.

4. Your Water (and Food) Will Taste Better

Those of you who are coffee fanatics or home chefs will be happy to hear that having a filter in your home will make just about everything you prepare with water from your faucet taste better. Whenever you cook pasta or make tea, the water you use contributes to the flavor of the finished product.

And if you’re using fresh, filtered water, you’ll notice a slight difference in the flavor.

5. They Play Well With Water Softners

Hard water is the enemy of most good hair days. The buildup that it can cause is a headache, so some invest in water softeners.

Of course, softened water doesn’t taste all that great to some people. Fortunately, you can pair a water softener with a water purifier and get the benefits of having both soft water and purified water.

This means that you get to keep your good hair days and have delicious water.

Osmosis Water Filters Are Good Investments

Osmosis water filters are pretty good investments, all things considered. They help save money, remove contaminants from your water, and remove any gross flavors from your water as well.

As usual, thrifty mommas, don’t be afraid to chime in below. What are your experiences with reverse osmosis water filters?

Healthy kids are happy kids.

We all want our children to grow up into happy, healthy adults, and that means making sure they eat a balanced diet and understand the value of good nutrition.

However, making sure they eat good foods at home can be difficult. When they’re out of the house, we’re looking at a nearly impossible feat. Life would be easier if children has access to healthy vending machines.

At school for example.

Kids spend a large portion of their day out of the home, in a place packed offering vending machines filled with sugary snacks. It is natural that they will pick a candy bar over an apple.

How can we combat this and ensure our children continue to eat healthy at school?

Healthy Vending Machines Offer a Great Snack Substitute

There is nothing wrong with vending machines, and there is nothing wrong with a little candy now and then. The problem is the lack of options and the over abundance of unhealthy snacks.

If schools were to offer healthy vending machines containing fruit, nuts, and healthy snacks, they would be offering the children in their care a balanced and healthy lifestyle on school grounds.

It would also be in the interest of the school to give children healthy options which will keep the students energized and ready to learn.

There are many choices when it comes to such machines, and healthyyou vending reviews can help you choose the best products to recommend to your child’s school.

The Benefit of Natural Suger over Refined

Sure, both fruits and candy bars are full of sugars, so what’s the difference,?

Well, the core difference is that fruit is natural sugar, while candy bars are made from refined sugar, and all manner of other ingredients too.

Fruits contain natural sugar and other nutrients, but also fiber, which slows the break down of the fruit sugars and prevents the blood sugar spike that can be seen from eating candy.

Nutritious vending machines can serve as a great educational point for children, to learn about the different types of sugars and how our body processes them.

Educators are Responsible For Helping Raise Your Children

At the end of the day, you entrust your children into the care of school officials, because, they, as educators are the best people to help teach your kids about the world, and how to thrive in it.

Why shouldn’t educational institutions shoulder the responsibility to ensuring children stay healthy while on school grounds?

The two go hand in hand, and the responsibility is on both parents and educators to make sure the children in our care are given the best possible options for them.

Healthy Eating is a Privilege Not to be Ignored

It can be easy to forget that access to healthy foods is a privilege. There are a lot of people in the world who do not have such luxury. We need to teach our children that eating healthy is something they should be thankful for.

Being able to eat a balanced and nutritious diet is (sadly) not a right.

As adults, it is our duty to do everything we can to give our children healthy alternatives.

We are not individuals in this battle. We can work together to make healthy vending machines a school staple.

Just take a look around our site to see how many ways there are for you to get more involved. If you want more information on anything, you can always reach out to me.

All of us love to look great. But one of the problems with weight loss is that it seems to cost so much.

With American obesity at an all-time high, there’s no doubt that there’s never been a better time to focus on losing some pounds.

Make sure you aren’t overspending when it comes to weight loss though. Try these hints and you’ll save money while you lose weight:

1. Save Money With Weight Loss

Many of us think of costly gym memberships when it comes to losing weight or spending money on supplements. But we seldom think about all the money we are going to save by dropping excess fat.

A recent study showed that Americans spend as much as $28 billion a year on medical costs associated with obesity. Just by setting a time to walk for 30 minutes 5 times a week Americans will save an estimated $2,500 per year.

Rather than thinking about all the money you will spend, focus on what you will save. Plus, you can find that new wardrobe with the money you will save.

2. Drink The Tea

You may have heard the insane health benefits of drinking weight loss tea. There are a wide range of types but science shows that some strains of tea reduce fat and can help shrink your waistline.

Not sure there is much to prove that weight loss tea really works? One woman was able to drop over 100 pounds in a single year by drinking weight loss tea.

Tea is a delicious way to feel full and a proven product. Find one that is right for you and watch the pounds slip away.

3. Exercise On a Budget

Unfortunately, many of us want to throw money at the problem and hope we will get skinnier as a result. But buying the latest fad won’t help you lose weight on its own.

Losing weight means good diet and regular exercise. But don’t feel like you need to break the bank to get in some solid exercise.

As noted above, walking doesn’t cost anything at all and it can help you lose weight. But there are a number of ways to exercise on a budget.

Besides walking and doing home exercises why not jump on YouTube and try and find some workouts you enjoy? There is no shortage of options for everyone.

4. Track Your Calories

One of the best ways to lose weight is to keep a calorie diary. You can use a notebook or take advantage of one of the free fitness apps on the market.

Not only will you be losing weight by focusing on healthy eating, you can plan and adjust your calorie intake around your fitness goals.

5. Cook At Home

Meal preparation is a great way to lose some weight. One of the triggers to overeating or eating junk is scrambling to find something to eat at the last minute.

By preparing ahead of time and cooking at home you will have plenty of healthy options to choose from.

Not sure where to begin? Both your wallet and your waistline will thank you if you try our frugal recipes at home.