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Submitted Stories

My Top 20 Favorite Childhood Memories From Growing Up in The 80s and 90s

Posted By peronalfynance40 14 days ago on Finance

https://adventuresinfrugalliving.com - I’ll be 40 in September, and to celebrate this milestone I want to have a little fun and talk about my favorite childhood memories of growing up in the 80s and 90s. I remember the days when I had to visit the library and look through encyclopedias to do research. But I also remember the excitement I felt as a teenager when my parents first set up dial-up Internet in our house during my senior year in high school. Here are my top 20 childhood memories from growing up in the 80s and 90s. 1. Breakfast Cereal and Saturday Morning Cartoons This was one of the best things about my 80s childhood. On Saturday mornings, my grandmother and mom were already up and I would eat cereal while watching cartoons such as Garfield, Thundercats, Transformers, Smurfs, and Muppet Babies. Some of my favorite cereals were Apple Jacks, Honey Smacks, Honey Nut Cheerios, and Corn Pops. 2. Going To Church With Grandma I have a lot of wonderful memories of going to church with my grandmother and great-grandmother. My great-grandmother sang in the choir every Sunday, and when the service began, I used to enjoy seeing her march with the choir down the aisle and sing her heart out to God. It was during these formative years that I learned a lot about what it meant to be a real Christian even though I didn’t come to Christ until as an adult. I also remember the special musicals that the church put on throughout the year. When I would visit my great-grandmother, she sang traditional hymns around the house. 3. ABC Wide World of Sports As a kid, one of my favorite things about growing up in the 80s and 90s was watching the ABC Wide World of Sports. On this program you didn’t just see the usual sports such as football and basketball. You also saw other sports such as skiing, swimming, gymnastics, and my favorite, ice skating. I absolutely loved the announcer’s famous intro. 4. Watching Soul Train While Getting My Hair Combed At 11:00 every Saturday morning, I turned on Soul Train just to watch my favorite artists perform on stage and learn new moves from the Soul Train dancers. While watching Soul Train, my mom would spend a good chunk of time on my hair to make sure it looked fabulous for the day. There were certain Saturdays when my mom took a lot longer and this was when she permed, shampooed, blow-dried, and styled my hair. Thankfully Soul Train made the hour go by fast. 5. Jumping Rope With Friends It is usually the simple things about growing up in the 80s and 90s that I remember. One such memory was jumping rope both at school and with girls in the neighborhood. I thought it was a fun experience and we would sometimes shout fun sayings while jumping. Jumping rope is a great form of exercise and it is a cool bonding experience. 6. Creating Mixtapes With Blank Cassettes By the time the early 90s came around, I was in middle school. This was during the golden era of hip-hop and a lot of the landmark hip-hop classics from artists such as Outkast, Dr. Dre, A Tribe Called Quest, and De La Soul were being released. My parents didn’t buy the latest CDs too frequently so the next best thing was to buy a few blank cassettes and record my favorite tunes from the radio stations. Before long, I amassed five to ten cassettes’ worth of cool 90s jams. 7. The Moment I Decided My Life’s Calling Here is some backstory to this moment. I was 12 years old and it was on a boring school night. I already finished my homework and chores, so I had extra time before going to bed. I turned on the TV but there wasn’t anything interesting on. I turned on the radio but I still wanted something fun to do. I then grabbed a pen and loose leaf paper and started writing a fun story. I showed it to my grandmother and she encouraged me to keep going at it. This was my defining moment, and it was that night when I wanted to keep writing and choose it as a career. 8. Convenience Meals For the most part everyone in my family prepared delicious meals from scratch on most nights, but there were occasions when I ate boxed convenience foods such as Hamburger Helper and boxed macaroni and cheese. My aunt made a lot of Hamburger Helper when I was growing up in the 80s and 90s, and they tasted delicious. 9. I Watched Many Movies on VHS Tapes If you visited my grandmother’s spare room today, you would find a host of VHS tapes on the shelves. In the 80s and 90s, a lot of Millennial kids watched movies on these tapes inside of a bulky VCR. You could even purchase some blank ones and create funny home videos featuring the family. I still remember gathering in front of the TV and watching kids’ movies while eating snacks with my brother. 10. It Was The Decade of Mega Pop Stars I can’t discuss my 80s childhood without mentioning some of my favorite mega pop stars. I enjoyed Whitney Houston’s amazing voice and Michael Jackson’s cool dance moves were out of sight. I still remember watching a lot of Prince’s eclectic performances on MTV and VH1, and who can forget Madonna’s trendsetting fashion style? Other singers I listened to as a child include Luther Vandross, Anita Baker, Patti Labelle, and Bananarama. 11. Going To The Skating Rink I didn’t do this a lot as a kid because I was a terrible skater, but I always had fun whenever I went to the skating rink on field trips with my class. I enjoyed watching other talented skaters dancing to the latest tunes with little effort. I still remember falling on my butt quite a few times and one of my classmates helped me by giving me extra tips for doing better. 12. I Watched Cooking Shows on PBS Before they had the trendy and overhyped Food Network, I was watching more sophisticated cooking shows on PBS. I was a big fan of Julia Child’s cooking shows and was fascinated with how she prepared her meals. I even checked out one of her cookbooks at the library and made one of the recipes with my grandmother. Other cooking shows I liked were Great Chefs, The Frugal Gourmet, and Yan Can Cook. The cool thing about these shows is that they discussed the history and culture behind the recipes. 13. Mardi Gras Every Year! I’m from New Orleans and still live here after almost 40 years. I have so many Mardi Gras memories I can’t mention them all in this post. The best thing about the parades here are the high school and college marching bands. They know how to warm up the crowd and get them pumped up for the rest of the parade. I also enjoy king cakes during Carnival season. When I was little, everyone in my class took turns bringing a king cake to class during Carnival season. The kid who got the plastic baby inside of one of the pieces of cake had to bring the next king cake. 14. I Used Floppy Disks to Save My Work Before there was cloud storage and long before the USB drives, there was the floppy disk. I first started using these in high school and all throughout college. The floppy disks came in handy during times when power outages almost caused me to lose my work. I would always save my work on the disks before I started typing. 15. Hip-Hop Was Better Back Then Growing up in the 80s and 90s, I liked a lot of the hip-hop artists that used to come on the radio. Some of my favorite hip-hop artists were: Main Source A Tribe Called Quest De La Soul Eric B and Rakim Hieroglyphics The Pharcyde Pete Rock People Under The Stairs Tupac Shakur The Fugees Hip-hop had a lot more diversity regarding the content of the music, and the dance styles were a lot more creative. I have a hard time with today’s hip-hop music although some of today’s music is decent enough. 16. I Learned How To Write Out a Check My mom and grandmother taught me how to write out a check. Throughout my early adult years, I wrote out checks to pay bills and to get cash from my bank. I knew that if I mailed out the check when I was low on funds, I can avoid the overdraft by depositing more money before the check arrived to a certain creditor. One of my favorite things about checks was ordering new checks and they had nice designs on them. 17. Board Games Were Fun My favorite board game was Scrabble, but I also played Monopoly, Trivial Pursuit, Clue, and Sorry. The good thing about these games is that it promoted critical thinking and analytical skills in a fun way. In addition to board games, I played UNO a lot. 18. Little Golden Books When I was a child, I used to read a few Little Golden Books. These books were easy to read, and they helped me a lot with my literacy skills. I know we live in the age of educational Youtube videos and cute ebooks for kids, but I still believe that there is nothing like physical books to connect with in a meaningful way. My daughter loves it when I read stories to her before bedtime. 19. Sugary Fruit Candies These days I’m all about the chocolate, but while growing up in the 80s and 90s, I ate a lot of sugary fruit candies such as Starburst, Nerds, Airheads, and Now and Laters. These weren’t the healthiest snacks but they were really delicious! 20. Visiting The Library Whenever I visited the library, I always checked out a few cookbooks in addition to the kids’ books. I loved the glossy pictures of the recipes and they made me want to go home and try them. These 20 memories will forever be a part of my life and I’m grateful to have grown up in an amazing time in history.
The post My Top 20 Favorite Childhood Memories From Growing Up in The 80s and 90s appeared first on Adventures in Frugal Living.

20 Thanksgiving Dinner Shortcuts That Save You Time and Money

Posted By peronalfynance40 77 days ago on Finance

https://adventuresinfrugalliving.com - I love Thanksgiving Day because it is a time when we stop to thank God for every blessing we have. After the craziness of last year and even into this year, I’m especially grateful for the way God blessed me spiritually, emotionally, physically, and financially. I turned 40 recently, and now that the second half of my life is starting, I choose to abide more in Christ each day and surrender to whatever it is that He is calling me to do. Another thing I like about Thanksgiving is the amazing food. Like many families, I like to work smart, not hard in the kitchen. I don’t like to be stressed out when preparing Thanksgiving dinner. With that said, here are 20 Thanksgiving dinner shortcuts that save you time and money. 1. Shop For Thanksgiving Staples Throughout The Year At the beginning of each year, write down ideas about what you will prepare for the next Thanksgiving meal then narrow down those to five to six dishes. Then write down all of the ingredients you will need and shop for them throughout the year. This keeps you from having to rush to the stores around the holidays. 2. Make It A Potluck Dinner You don’t have to make all of the meals yourself. If you want to save money and time this Thanksgiving, you can host a potluck at your house. Have your guests bring their most-loved dishes and you can prepare your favorite meals. 3. Don’t Cook Every Meal From Scratch There are certain meals that you’re excellent at making, but then there is your grandma’s apple pie recipe that you struggled to bake for years and it was always a disaster in the end. This year, know your limits and cook only what you’re skilled at. Purchase the other meals at the grocery deli or ask relatives to prepare certain ones for you. 4. Buy Frozen Produce Frozen vegetables cost less than fresh ones, and many stores have sales on them around Thanksgiving. You also save time in the kitchen with frozen produce because it is already cut up for you to use. If you will prepare a few meatless side dishes this Thanksgiving, you want to stock up on these. 5. Borrow Fancy Decor and Housewares Instead of buying pricey decorations and fancy housewares that you’ll only use once a year, why not contact friends and relatives and ask to borrow their fall-themed decorative items? If your aunt is the best decorator in the family, ask if she has extra tablecloths, vases, and wreaths that you can use for a few days. 6. Have Teens and Young Adult Relatives Assist With Cooking If you’re the host of the Thanksgiving meal this year, call all of your teen and young adult relatives and have them come to your home for assistance with cooking and cleaning. This saves you time and you won’t be as stressed out during Thanksgiving week. When your relatives arrive, assign each person a certain task. This is a neat idea if you have a lot of nieces, nephews, cousins, and grandchildren. 7. Purchase Turkey Breasts Another idea would be to purchase turkey breasts instead of a whole turkey. This won’t take long to cook and it works well for those who are not skilled at preparing a whole turkey. If you’re only inviting close friends to your Thanksgiving dinner because your family can’t attend this year, turkey breasts are a great option. 8. Start Preparing Meals Days Ahead of Time You don’t want to wait until Thanksgiving morning or even the day before Thanksgiving to prepare your meals. Start your meal prep at least a week before Thanksgiving so that you won’t have a lot to do on Thanksgiving morning. Some dishes you can make in advance include: Casseroles Cranberry sauce Roasted vegetables Cauliflower with cheese Gravy Pies Mashed potatoes 9. Cut Back On Appetizers and Salads I like appetizers and salads on Thanksgiving Day, but preparing those can be expensive. Save money on your Thanksgiving dinner by cutting back on the appetizers and salads you have. Focus primarily on the main entrees and you’ll save time and money this year. 10. Clean As You Go If you don’t want to spend a lot of time cleaning while the guests visit, it’s important that you clean as you go. When you do this, you save time and your kitchen will be more organized. 11. Consider No-Bake Desserts For those who are not the best bakers but who want to do more than buy a frozen store-bought pie for Thanksgiving, then create two to three no-bake desserts for your guests. By doing this, you won’t need to waste time and money on dessert recipes that may not come out right after you bake them. 12. Use Time-Saving Kitchen Tools While you don’t want your drawers to be overloaded with unnecessary kitchen gadgets, there are times when it is wise to use certain gadgets to save time while cooking. These tools include a fat separator, kitchen timer, thermometer, jar grippers, fruit or vegetable slicer, garlic peeler, and a crushed ice tray for those delicious drinks. 13. Get Store-Bought Dinner Rolls Another way to save time while preparing Thanksgiving dinner is to purchase store-bought dinner rolls. There are many flavors to choose from, and you can enjoy delicious bread without all the hard work. 14. Use Manufacturers’ Coupons Most newspapers will have a few good manufacturers’ coupons around the holidays, and you can use them to save money on your favorite Thanksgiving foods. Once you get the coupons, organize them into categories and then write down those categories as a shopping list. 15. Have All of Your Ingredients in Place Before you start cooking, it’s important that you have all of your ingredients in one place. This keeps you from having to interrupt the cooking process by looking for the items you need. However, only take out the ingredients for the specific dish you’re cooking at the moment. For example, if you’re making cornbread dressing, you would only have the ingredients for this recipe. 16. Deep Clean The Home A Few Weeks Before Thanksgiving You don’t have to wait until the week of Thanksgiving to do a deep cleaning of your home. This is something you should do at least a few weeks before Thanksgiving so that there is not a lot of cleaning and organization to do as the holiday approaches. 17. Set The Table The Night Before Thanksgiving It helps to set the dinner table the night before Thanksgiving so that you’ll have one less thing to do the next morning. You can also get your spouse and kids to assist you with putting up decorations in the dining room, the front entryway, and the living room. 18. Entertain Guests for Free Another idea would be to entertain the guests at home for free or inexpensively. Take out the board games and have fun with those. Have a dance contest using music from your phone’s music playlist and give small prizes to the top three winners. Play football or basketball outside or sit on the porch and play cards. 19. Prepare A Thanksgiving Breakfast Instead of hosting Thanksgiving dinner, why not serve a Thanksgiving breakfast? Breakfast items tend to be affordable, and if you buy them in bulk, you can save money on your Thanksgiving meal. Some good breakfast meals to serve include pancakes, sausage patties, eggs, waffles, oatmeal, and French toast along with juice and coffee. 20. Make Your Own Chicken Broth Instead of paying for cans of chicken broth, you can make a big pot of your own. Chicken broth will likely be used in many of your Thanksgiving meals, and when you prepare your own, you control the ingredients and you can make as much as you want. The good news is that you can freeze leftover homemade chicken broth. You don’t have to spend a lot of money in order to feed your family well this Thanksgiving. I recently wrote a post on how you can save money on your groceries, and I use these tips regularly.
The post 20 Thanksgiving Dinner Shortcuts That Save You Time and Money appeared first on Adventures in Frugal Living.

How To Find Financial Assistance As A Senior Citizen With These 20 Programs

Posted By peronalfynance40 85 days ago on Finance

https://adventuresinfrugalliving.com - If you’re a senior citizen who is on a fixed income and in need of financial assistance, there are several programs available that can help you with paying bills, medical expenses, and affording groceries each month. Call your adult children or grandchildren to help you locate these programs and apply for assistance. When it comes to financial assistance, the focus is mainly on families with children. However, we shouldn’t forget about the senior citizens who are in financial need too. Here are 20 programs that senior citizens can use to get the help they need. 1. Medicare This is one of the most well-known programs for seniors and the disabled. Medicare has four parts. Part A covers inpatient care at hospitals and unskilled nursing facilities. Part B covers outpatient care, d

Save Money on Housing Costs by Moving To These 15 Affordable Cities

Posted By peronalfynance40 89 days ago on Finance

https://adventuresinfrugalliving.com - It is getting expensive all across the country regarding housing, and cities that were once considered affordable are now too pricey for families these days. These cities include Austin, Houston, much of California’s Bay Area, and even some Midwestern cities. But thankfully there are a handful of cities that are still affordable to live in. You’ll need to do the research and find out if relocating to a certain area will be right for you. Here are 15 affordable cities you can move to in order to save money on housing costs. 1. Kansas City, MO Kansas City has a low cost of living that is six percent, which is slightly below the national average, and the unemployment rate is 4.6%. The U.S. News and World Report states that the average salary here is $53,490. The main industries i

20 Little-Known Ways to Rid Yourself of Medical Debt

Posted By peronalfynance40 96 days ago on Finance

https://adventuresinfrugalliving.com - Medical debt can erode your financial stability, but you don’t have to be enslaved to it. There are effective ways to gradually eliminate this debt over a period of time but it will take hard work and determination. One idea would be to enroll in an income-driven hardship plan. Contact your hospital’s medical billing department and request to talk to the billing manager. Then discuss your financial hardship and request a flexible payment plan based on your current income. Here are 20 little-known ways to eliminate medical debt. 1. Find Out if The Debt Is Within Statute of Limitations If your medical debt is within the statute of limitations, then this means that you still owe the debt. However, if it is not within the statute of limitations, then you won’t have to worry

FHA Loans Made Simple For The Everyday Person

Posted By peronalfynance40 104 days ago on Finance

https://adventuresinfrugalliving.com - I prefer to pay for my new home with cash, but if I ever needed to take out a mortgage, I would consider an FHA loan. This is because you don’t need a huge down payment in order to get this loan. You can qualify for this loan with as little as 3% down. Just like other mortgages, your credit history and score will be checked and you’ll need to submit proof of income as part of the application process. It is also important to note that you don’t need a stellar credit score in order to qualify for an FHA loan. Even if your credit score is in the 600s, you can obtain a mortgage from the FHA. Another cool thing about an FHA loan is that you can get the FHA 203k loan and this is specifically for fixing up the home you purchased. Here are some additional facts you should know a

How To Manage Money With An Irregular Income

Posted By peronalfynance40 112 days ago on Finance

https://adventuresinfrugalliving.com - As a freelancer for close to 15 years, I have had times when my income was consistent and regular. But there were other situations where my income would be irregular for a period of time. This made budgeting a challenge for me, and I would spend more than I earned as a result. If your income is irregular, there are some ways to manage your money well and thrive financially. 1. Build Your Emergency Fund Because you have an irregular income, you can manage your finances better if you have at least six months’ worth of expenses saved up for emergencies. One day you might lose a few gigs or your client might tell you that your longtime contract is ending soon. A health crisis might be more expensive than you thought or a loved one might pass away. These are the situations where an emerg

20 Smart Ways To Curb Impulsive Online Spending

Posted By peronalfynance40 119 days ago on Finance

https://adventuresinfrugalliving.com - I do most of my shopping online but lately, I realized that I’m spending way too much money on online shopping. I’m not in any massive debt because I pay off my credit card on time without incurring interest. In fact, I don’t use my credit card a lot for online shopping. Instead, I use my debit card. But I’ve been wanting to boost my investment contributions and while I saved up quite a bit between last year and this year, I know that I can do a lot better. I’m now making a resolution to spend less money online. If you have a similar goal, here are 20 smart ways to curb impulsive online spending. 1. Mix and Match Your Current Outfits Maybe you’re shopping online for clothes because you think you have nothing to wear. One idea would be to mix and match y

The 20 Most Exciting Work-From-Home Jobs For Stay-at-Home Moms

Posted By peronalfynance40 127 days ago on Finance

https://adventuresinfrugalliving.com - If you’re a stay-at-home mom who is in need of extra income, there are several work-from-home opportunities that are available to you. Many of these jobs can be done while your little ones take their naps or when they go to bed at night. If your kids are in school, you can work from morning to the time you need to pick them up. Before you choose a certain job, think about what your skills are and how much time you can dedicate to it. You should also ask yourself if the salary is in line with what your financial needs and goals are. Here are 20 exciting work-from-home jobs for moms. 1. Graphic Designer If you’re skilled in creating amazing pins for Pinterest or if you have a web design background, you can work as a graphic designer. Graphic designers create art for a variety of

15 Best Subscriptions That Are Worth the Money

Posted By peronalfynance40 133 days ago on Finance

https://adventuresinfrugalliving.com - I used to hate paid subscriptions when I first started blogging. At the time, I used mainly free services to promote my blog. While they worked for me, I soon realized that I needed to have an open mind and consider paid subscriptions if I intended to turn blogging into a legitimate way to earn income and grow my traffic. If you’re new to blogging, check out a post I wrote about free and inexpensive tools for new bloggers. But for this article, I’ll discuss some of the best subscriptions in general that are worth the money. 1. Seeking Alpha I put this at the top of my list because I really like the services it offers. I can read well-written articles that analyze different stocks and ETFs and if they’re worth purchasing or not. And when I type in a certain stock, it give