Beating Broke

Personal Finance from the Broke Perspective

8 Free and Cheap Things to Do with Kids This Summer

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Summertime is here, and if your kids aren’t already out of school, they will be soon.  Summer is the perfect time to make memories with your kids, but if your plans include the local theme park, shopping at the mall, and meals out, plan to spend a lot of money entertaining the kids.  While you can enjoy summer that way, there are plenty of ways to enjoy the summer without spending a lot of money.

Here are some of our family’s favorite low-cost or free summer activities:

Have a Picnic

Pack some sandwiches, chips and some fruit, and take a drive out of town.  Find a nice, rustic place to have a picnic and spend the afternoon.  Kids will appreciate the adventure and change of scenery.

Go to Summer Movies

Several movie theaters, including Harkins and Regal, offer discounted movies for kids during the summer.  For 10 weeks, my kids and I go to Harkins theaters once a week to see a movie.  The best part?  We buy a pass for each of us for $5 apiece.  Yep, if you see all ten movies throughout the summer, you pay just .50 a movie.  The four of us can see a movie for $2 total every week.  Can’t beat that.

Attend Free Concerts

Many cities offer free evening concerts and movie showings.  Just check out the happenings in your town every weekend.  You may be surprised how many free events you can find.

Enjoy Summer Bowling

There is also a summer bowling program, Kids Bowl Free, that you can sign up for.  While the bowling is free, you do have to pay for shoe rental.

Attend Library Programs

Every week, our local library has at least one free program for kids.  This week, my son will be taking a one hour art class.  Next week, my daughters will be taking a free science class where they will be erupting mini-volcanoes.  While you’re there, don’t forget to check out a few books, DVDs, and CDs.

Camp in the Backyard

If your kids want the adventure of camping but you don’t want to pay the camp site fee, why not camp in the backyard?  Kids get the adventure, and if they get scared during the night, the house is only a few steps away.

Go to the Beach

Is there anything better than visiting the beach on a hot summer day?  Bring your sun screen and a lunch and spend the whole day playing in the water, reading a book, and getting a tan.

Have a Movie Marathon

Feeling nostalgic?  Why not watch the Star Wars movies with your kids or the Back to the Future trilogy?  Watch a movie a night until you finish.  Enjoy popcorn and reminiscing about watching these movies in your own childhood.

Summer can be expensive, but it doesn’t have to if you know where to look to find free and cheap activities to keep the kids entertained.

What are your favorite free or cheap activities to do with the kids during the summer?

 

Simple Ways to Save Even When Money Is Tight

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For the 15 years my husband and I have been married, we’ve always shared just one car.  Actually, most of the time I’ve been the one with the car—first because I had to drive to work while he could easily take the train, and, once I became a stay-at-home mom, because I usually had the kids that I needed to transport while he could commute by public transportation.

While he’s been a good sport about this situation, the time has come to finally buy another car that he can use.

The problem?  We don’t want to take out a car loan because doing so would create a serious strain on our budget.  We want to pay cash instead.

But how do you save money for a car when you feel like there’s absolutely NO wiggle room in your budget?  Here are the strategies we’re using.

Save Cash Back from Credit Cards

Our credit card regularly gives us cash back.  For the first three months of 2016, we’ve earned just shy of $150 in cash back.  If we continue at this pace, we’ll have an extra $600 in cash back thanks to using, and paying off, our credit card each month for as many purchases as we can.

Save Whenever You Receive Discounts on Regular Expenses

This is my favorite way to save because there are so many opportunities to save this way!

For instance, at Christmas, we received a postcard from our car repair shop offering 10% off our next car repair.  I held onto that, and just last week we had a $284 car repair.  We saved $28 thanks to the postcard, and that money went right in our car fund.

We took a vacation recently and stopped by Denny’s on our last day when we had eaten up all the food we had brought with us in the cooler.  Our total was $39, but for some reason, the cashier decided to give us a $6 discount.  I put that money right in our car fund.

Our grocery store gives fuel rewards points for shopping.  For every $100 spent in groceries, you get 10 cents off your next gallon of gas.  If you buy a gift card, your reward points are for double that amount.  I send any of those savings to our car fund.  Just today I put 19 gallons in my tank, and I got 20 cents off per gallon.  I put that $3.80 into our car fund.

Save Change or a Specific Bill

I don’t use this strategy anymore because we typically use credit cards for our purchases, but when I was using cash a lot, I never spent the change and earmarked it all for a specific fund.  One time, I went several months saving all of the $5 bills I got and used them to pay down debt.

To be sure, none of these savings strategies is growing our car fund at an impressive rate.  However, we ARE saving something using ways we save in our everyday lives.  We’re consciously, physically setting aside our savings, which is a great way to save when your budget is tight and you feel like you have no wiggle room.

Do you save like this?  If so, what are your favorite strategies?

 

Taking your Side Hustle Mobile

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This post has been brought to you by: SumUp (opinions are still mine though!)

If you’re like me (and you likely are if you’re reading this post), you’ve always got a side hustle or two running at once. You’re always looking for something to augment your income and help you pay off debt (or pay for that extra vacation). This blog is one of mine. I’ve also got a few things that I’ve got posted on my Etsy store. Nearly everything that I do is online. I don’t have to carry inventory, or attend swap meets, or anything of the like. But that’s not the case for all of you.

SumUp EMV card reader
photo credit: SumUp

For some of you, there’s a very good chance that you’ve got to be mobile, and you’ve got to accept payments wherever your customer meets you. In the past, that has meant carrying a bit of cash around to make change with, and when the day has been good, carrying even more cash back with you.  That can be dangerous.  The other issue you will likely run into is that you’re likely to have a few customers like me who rarely carry more than a few dollars of cash, and want to pay for their purchase with their debit or credit card.

If you are one of those who makes sales while on the go, you need some way to process credit or debit transactions.  Not only is it safer than carrying around a bunch of cash, but it will save you a heck of a lot of time and energy when doing your accounting at the end of the day. There are plenty of companies that offer these kinds of services.  One that offers up both a super portable card reader and a portable cash register, is a company called SumUp. Unlike some of their competitors, their device connects to an app on your phone (iOS or Android) via bluetooth, getting rid of the dongle approach that can easily break. And there’s a couple of ways that you can accept cards through the device.

Magstripe transactions

This is the old fashioned way of taking a credit transaction. The magnetic strip on the back of the cards holds all the card data.  A quick swipe, and the reader reads that data, and processes the transaction.  Easy peasy. Most of us are super used to transactions that work this way.

EMV chip transactions

Magstripe is the tried and true transaction process. But it’s also the one that makes it super easy for fraudsters to copy the data from the stripe and use it to perform fraudulent transactions. The EMV chip is the new technology that is meant to help prevent all of that. The chip is embedded in the new cards, and needs to be inserted into the reader. It has to be physically present to work, and it’s not as easily copied. It’s more secure, and it works well.

SumUp’s fees and limits match or best their competition, and their design is pretty cool too. Watch this video to see what it’s all about.

At the end of the day, if you’ve got a side hustle that has to be mobile, you need some sort of mobile card terminal. There are several options out there, and SumUp is just one of those. As the hustler, I would expect you to do your due diligence and make a decision based on what your business needs are. The only thing I can really tell you is that if you don’t have a way to process these sorts of transactions, you’re leaving money on the proverbial table. Don’t do that.