For moms in Savannah and the Coastal Empire


How my 4-year-old's expectations changed the value of a quarter

by Traci Schumacher on Tue, 03/18/2014 - 11:12am

So my children were all playing on electronics recently when I told them it was time to move on to other pursuits. My 4-year-old promptly logged off the computer while his older sister and brother tried to wrap up their games.

I happened to have a quarter in my pocket, so just for fun I gave it to my little guy as a spontaneous reward for being the first to do as I had asked. I do not usually reward my kids like that for simply doing what I ask. I expected him to be happy with the little gift.

Adding it up: the receipt doesn't lie

by Traci Schumacher on Fri, 01/11/2013 - 1:46pm

It's amazing how quickly it adds up. I go into Walmart with a short list of items ranging from peanut butter to a picture frame. Shouldn't take long. Shouldn't cost much. Though I was pretty sure my $40 in cash wouldn't cover it. It never does.

My son's enthusiastic support of the school book fair

by Traci Schumacher on Fri, 12/07/2012 - 3:56pm

I took my three children to the school book fair this week, allowing them each to pick out books within a budget. After browsing the shelves for a while, my daughter and my 3-year-old were finished so we were just waiting for my 6-year-old son to finalize his decisions.

In The Red Or In The Black?

by kgillyard on Sun, 11/25/2012 - 9:10pm

I hope that you all survived the weekend full of savings and crowds. Did you keep track of what you spent? Lets face it December is probably the most expensive month for most of us and its not even here yet. So what are you supposed to do?

Being that its the end of the year, it is the perfect time for us to look back at our expenses and see what changes we could make to help save for that rainy day or pay down on our debt.  Even if you are in the black, it doesn't hurt to make a few changes to help better our situation.

Where Does All Your Money Go?

by kgillyard on Sat, 11/17/2012 - 5:38pm

Every so often we put some money in our wallet and before you know it, well its gone. Where did it go? Good question. Its seems that we are not very conscious of where we spend our money and granted its time consuming to keep track of it, but lets take the challenge and do just that. For the next week, write down what you spend your money on. It might just surpirse you. If your primary means of "checking out" is check card or credit card, it is even more difficult to keep a conscious effort to track your spending.

Can You Afford The Holidays?

by kgillyard on Tue, 11/13/2012 - 3:41pm

The countdown to Black Friday has already began. This Sunday we will be checking out the upcoming sales. The question is can you afford those holiday purchases? Be honest!!! Most of us can't, so what are our choices? I am going to give you some ideas on ways to save. I am also going to follow up with several blogs on how to be financially responsible throughout the year.

So lets get started......

First, make a list of what you would "like" to get your loved ones. Try sticking to one or two items. This year our kids are getting one big item and several little things.

Secret Shoppers Earn Extra Cash

by kgillyard on Tue, 06/19/2012 - 11:36am

Shhh! Mom is the word! Many local business' performances are evaluated by "undercover" customers. They dress and act just like regular customers, but they report back to agencies that in return send in reports on employee performance to store managers. There are two online sites that list local opportunities for being a secret shopper and

Dinner's on the kids... the power of a penny saved

by Traci Schumacher on Fri, 03/23/2012 - 2:35pm

Yesterday we finished with music lessons late, so the kids and I found ourselves facing 7:00 on empty stomachs. I had a plan to hurry home and cook up some spaghetti... simple and quick. My children had other ideas.

“Can we go to Sonic for dinner?” They asked repeatedly. It was not an entirely unreasonable request, but I did want to get home and get baths and showers done after dinner, and the clock was ticking.

Caring teacher saves the day

by Traci Schumacher on Mon, 09/05/2011 - 4:05pm

It was 12:30 on Friday when I realized I had forgotten to send lunch money for my kindergartener. I know the school will provide a peanut butter and jelly lunch in such an event, but my son happens to hate pb&j.

We live just a couple minutes from school, so I knew there was a chance I could run the money to him in time... depending on what time his class eats lunch. I called the office to inquire. Of course, my son's class ate lunch at 11:00, I was informed.

Kids learning about money

by Traci Schumacher on Mon, 07/11/2011 - 3:40pm

My 5-year-old son brought along his wallet and some money to the store today. It's always fun to watch my kids as they learn how to handle their money... when to save, when to spend, how to pay, etc.

My son's total came to less than a dollar. He looked into his wallet with worry, then told me he only had fives. I said that was fine, and to give the lady a five dollar bill. He handed it to the woman, and put away his wallet.

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