Mentor Mumma

03/12/2017

How to save money on Christmas or ‘Tis the season to be.. .freaking out about our budgets!

I didn’t know what to call this article, How to save money at Christmas or ‘Tis the season to be freaking out about our budgets! So I chose both!  For many Christmas is a decision on not what we want to get the kids for Christmas but what we can afford. Sadly for some they have it the other way around which sends them into the new year in debt.

So let’s share our top Christmas budget tips with each other so we can all enter 2018 debt free (or at least no new debt from Christmas 2017).

Top tips to bring in 2018 without a financial Christmas hangover: 

  1. Set your budget, know your budget, don’t spend more than you budgeted. And make a list of all the gifts you need to buy, fit them into the list and stick to your list.
  2. Start early (Bit late for that THIS year but after Christmas get saving for next year). Get the $2 coin bottle or Christmas account or buy your $5 gift card each week at shopping, or open a Christmas savings account or whatever your strategy is, happening stat.
  3. Make a choice RIGHT NOW that you won’t go into debt for Christmas. This changes your future. It changes what you role model to your kids and teens. It sets the standard to live within your means and this changes your financial future for the better.
  4.  Set a new trend in 2017 to show your children you value their futures and yours rather than instant gratification on things that will put you into debt or financially cripple you.

So with just 3 weeks to (AHHHHHHHHHHHHHHHHHHHH!!!) what do you do if times are tough. Improvise! 

Top tips for improvising when times are tough (AKA How to do Christmas on a budget):

  1. The calendar. This is my go to.. you buy a $2 calendar for each of the kids, and write in it future events that you WILL honour such as 1 on 1 kid dates, family movie outtings, concerts, whatever your family and kid’s things are. What this does is gives them experiences over ‘things’ and you don’t have to fork out prior to Christmas, but instead can budget throughout the year for events. Some do vouchers instead of the calendar and wrap individually in a gift box.
  2. Share the cost: Is there something expensive they’ve asked for that you really want to get them but just can’t afford? Then perhaps you can give them half or a quarter or third of the cost so they can choose to add their own money in or buy something less expensive. Eg this year a lot of teens are asking for iphone 6, 7’s and 8’s. The iphone 6 is around $600 give or take. You could put $250 into a box with a note saying toward your new phone if you choose one more than this price, or you can use this to purchase a new phone. Help them contribute to larger ticket items.
  3. Relatives: Ask your kids, even the teens, to write a Letter to Santa, that you can keep in your handbag and when rellies ask what can they get them you can pull out the list and let them choose one of the items from the list. This spreads the blessings and the burdens.
  4. Charity shops have some amazing bargains. I have noticed that more affluent areas have a lot better things so have a shopping day with friends in a richer suburb’s charity shops. The Gold Coast has some fantastic ones around Harbourtown.
  5.  Shop around. It really does pay to shop around and if you find it cheaper in one store mention it to the store closest to you, they may just match the price.
  6. Help your children re-evaluate what’s important at Christmas.
  7. Start new family traditions that don’t cost the earth.
  8. If you have a large extended family and it’s stressful buying for everyone, instigate a Secret Santa style gift giving for adults (or everyone) with an appropriate budget limit.
  9. It’s still not too late to sell off any unwanted things around the house on Ebay, Gumtree or in a garage sale to make some last minute money.
  10. Shop on Ebay and Gumtree! So many bargains to be had. 
  11. Are there other ways you can earn some last minute cash in the next fortnight? Babysitting so other parents can go shopping in peace? Working extra shifts at work? Taking on an extra client or two? Doing some pet sitting for people going on holidays  early? I overheard two working mums discussing how good it would be to be able to give someone a list and have them go shopping for you! (Not a bad side business idea for someone). What’s your thing? What can you do to earn a bit extra in the next fortnight?
  12. If looking for electronics check out EB games etc they do reburbished items at much cheaper prices.
  13. Check your Woolies, Coles and other rewards cards. You might be surprised to find you have enough to trade in points for some gift cards.
  14. DO NOT go to the shops without a list because impulse buying will send you broke quicker than a teen uses their data!
  15. Make Santa Sacks the ‘practical’ items bag including new pyjamas, school supplies like coloured pencils, specialised pens and pencils and colours, underwear, snacks.
  16. Do you have a friend or a friend with a teen who works at a shop that has items you want to buy? Ask to borrow them so you can get a 5% discount. It all adds up and friends help friends.
  17. Get creative with younger kids at Christmas time. Google is your friend for a whole heap of super cheap presents and ideas. I remember when Dan was 2 I was pretty broke that year so his main present was a large box filled with blown up balloons. He and the girls played with that for weeks after Christmas and a restock of balloons was about $2 until the novelty wore off.
  18. Shopping online can save you money – you only buy what you need and impulse buying isn’t as dangerous (for most of us, I know some of you are click happy but you can control that 🙂 ).
  19. Make a list, check it twice. Who are you buying for? What are you going to get them or what budget do you have for them? Stick to your list and don’t detour, and you’ll be just fine. Sometimes combining gifts can save you money for example rather than buying your sisters family of four a $30 gift each why not a family gift for $100 – such as a trip to the local movies, outdoor cinemas, is there a drive in close by to send them to, family restaurant voucher, local sporting event, how about buy all their favourite snacks and make a hamper with instructions on a hike or picnic or whatever they’re in to ..maybe it’s a sports event.
  20. Think experiences more than ‘stuff and things’. The memory lasts longer.
  21. When shopping stick to your list only and make sure you don’t touch items – I was reading an article that said if you pick something up you are much more likely to buy it. Tell yourself the same mantra you’ve been yelling at your kids for years ‘Look, DON”T touch!”.
  22.  Shop earlier rather than later to avoid the crowds, the stress and overspending because ‘they’ve run out’ of whatever it is you’re looking for.

 

What would you add to the list? 

If you’re looking for a gift for teens then check out our $10 book Beyond School: Practical Tips for Teens. You can pick up your copy HERE

So my top tips: Work out your budget and stick to it, make your list, don’t deviate from it and get creative. 

Happy Christmas shopping everyone. I’d love to hear your tips? and how you and your family do Christmas?

Love 

 

Jo

26/11/2017

Hang on.. school holidays are nearly here!

Tis the season… to batten down the hatches parents. School holidays are fast approaching, but first, the last two weeks of school need to be survived! We can do it. Hang on!

We all know what I”m talking about. That last two weeks of term. The tireds. The tanties. The “I just can’t be bothereds” and that’s just us let alone our kids.

You are not alone. Almost every parent of school kids is on the same journey.

5 tips to get you through the next fortnight:

  1. Pick your battles.

    This is the time of year to let a ‘tude or two slide, the time of year to cut your kid some slack, but not if they’re being disrespectful. It’s okay for them to lose their cool, but not at you. You are not a punching bag. Let them cool off in their own way – often hiding in their room or jumping on the trampoline for two hours! Let them know it’s okay to lose it occasionally, but not at others. Teach them how to handle the ‘meltdowns’ of life. They’ll need it as adults too!

  2. Don’t micro manage.

    This is the busy time of year. We’re in a hurry. Nothing sets teens, and primary school kids off more than having their every move controlled, planned, manouvered and checked. Give them some space. 

  3. Prioritise.

    You don’t have to do everything. There will be carols nights, fireworks nights, award ceremonies, concerts, mini concerts, parades, tree lightings, break up parties etc etc etc You don’t have to attend everything you’re invited to. It’s okay to prioritise what’s important to you and your family, and let everything else slide.

  4. Relax. Chill. Destress.

    Kids pick up parent’s anxieties. Take an extra 10 minutes at night as you collapse into bed to meditate. Try getting up 10 minutes earlier and meditating of a morning. Long. Deep. Regular breaths are crucial as is remaining grateful – keep that gratitude list replaying in your head. When you’re stuck in traffic, running 10 minutes late for your child’s “insert any activity”, and all the mummy guilt in the world is running through your head and heart.. take a big breath, relax your shoulders and think of some things you’re grateful for. You’ll be late. That’s life.

  5. Have something to look forward to.

    Over dinner one night get a piece of paper and have each child come up with a school holiday FREE event that you can all do as a family. Their answers may surprise you. Set a date that you WILL do each. Write these on a sheet of paper, put them on the fridge. This gives you all something to look forward to, and reminds you just two weeks to go, you can make it! 

Enjoy as much of the last two weeks as you can – swimming carnivals, school discos, carols nights, performance nights/days, awards days/nights, parent teacher interviews, excursions, break up parties etc etc etc.

HANG ON..we’re nearly there, then the real fun begins 😉 

Have you joined our Facebook group yet? You can do so HERE

Looking for a book for your teens for Christmas? Check out Beyond School: Practical Tips for Teens HERE

Love

Jo

09/07/2017

Disneyland 101

 

Disneyland 101 for those who dream of going… tips for the family, the planner and the wallet. This is the first article in a series .. the next one will be called…. Disneyland 102 (genius hey 😉 )! 

Disneyland is the original Disney site. The home of Walt Disney’s dreams and because of this it has a special place in Disney fan’s hearts (make sure you visit the Abraham Lincoln exhibit at the start. .there’s a 10 minute documentary hosted by Steve Martin on how Disneyland came to be.. it was brilliant and will give you an insight into the magic that is Disneyland) Now, Disneyland is not as glamorous or as big as other Disney Worlds. But there is something magical about this place. First thing to note is Disneyland is split into two. One park is called Disneyland, and 100 metres opposite it is Disney California Adventure Park. Your hopper ticket allows you to go freely between the two but seriously it’s exhausting so I’d recommend a one park per day pass and plan well.  To complete the triangle is Downtown Disney which is a compilation of Disney inspired shops where you’ll pay top dollar but have a great time looking at everything and enjoying the upbeat music that makes you want to spend your money there lol.

We loved Disneyland…after the first day!

Choose your days wisely

We chose to go in May as it is one of the quietest months of the year, EXCEPT for the year we went! oops. This year school graduations arrived earlier and whilst we booked our days around grad nights, I failed to consider the extra families that would be tagging along.  Our first day at Disney wasn’t the magical fairytale that dreams are made of. It was ludicrously crowded, noisey and omg if I ever see another stroller again I’ll have issues. The day before our first visit the park had closed as it had reached capacity! The day we went it was close..because for all my research I did NOT think to check when local’s season passes finished. Turns out, the day we went was that day!!! We called it quits mid arvo and headed to the hotel for spas and a swim to return the next day with far less people. 

When planning your trip don’t just check the local weather, look at historically cheaper and quieter times for air tickets and the local area for the year you’re going (that was my big mistake oops).

Disneyland is open from 8am til midnight but you can get in as early as 7:30am and be at the rides ready to go as part of the ‘rope drop’. So plan to get there early because if done right you can get a LOT of rides done in the first two hours before the park fills up. Have a plan of the park, your plan of attack and ensure you have a ‘if we get separated let’s meet here’ spot.

Check Disneyland’s website for graduation nights, and what’s happening on the month you’re going so you can plan your actual days and know days to avoid. If you buy a 3 or more day ticket it will include the early entry pass  .. make good use of that too. 

Where to stay

After walking 15km a day inside Disneyland you won’t want to walk another metre so plan to be at a hotel that has a shuttle to the park or is on the ART (Anaheim Resort Transit) system which costs $5 for adults and $2 for kids per day and is worth every cent (the routes are on their page). We stayed at Super 8 Anaheim near Disneyland because it included breakfast, had a pool and a laundry (important to travelling families) and was on the ART bus line.

Where do I start? 

By setting your budget. Putting savings goals in place. Getting the entire family on board. For more tips on budgeting for big holidays or items check out our article B for Budgeting   

And Don’t forget our article on Chores for kids to get them involved in the budget HERE

THEN, you start researching your optimal dates. What suits your family, your destination and fits with your budget. Start stalking airlines for best ticket prices and then lock in flights. Once you have your flights booked you can then start to fill in the rest of your itinerary by then booking accommodation, then tickets, in that order. Before booking anything though I would highly recommend joining the reward program of the airline you’re about to fly with. Get their travel card, load it up and start paying for things with that card as you’ll then be accumulating points (with money you were going to be spending anyway) and when combined with your flights you’ll find you have a free domestic flight for the whole family when you get back. Score! Use your reward card to book flights, accommodation and park tickets. They also have pretty good conversion rates too. 

 

That’ll do for the part 1 … stay tuned for part 2 in a couple of weeks. We’re moving house (AGAIN) this week.. one of the upsides of renting is a change is as good as a holiday so we’re off to a townhouse complex with a pool, at the kids request (and saves me money so win win). 

Have you joined our facebook group yet? Join us here

 

Love,

Jo

 

25/06/2017

The B word … Budgeting – for all types of parents.

The B word.. Budgeting, none of us particularly like it. Most of us cringe at the thought of it. It is however a necessity in getting ahead and not spending your life looking back. I think it was John Maxwell who said Budgeting is telling your money what to do rather than wondering where it went! 

Google, and a host of well meaning Facebook memes tell me it’s just 26 weeks until Christmas 2017. That’s half a year! And the good news is with some small changes in your household, you can change financial direction and have a great Christmas, a great holiday and pay off any debts you have (some will take a lot longer). Great doesn’t have to mean big and expensive. Some of our most memorable family moments have been camping in a National Park that cost us less than $25 a night.

Only a few years ago I was counting every cent and had to beg friends for help by laying my heart, and our situation, on the line. Fast forward a few years, a few changes (physical and mentally) and a few improvements and here I am having just taken the kids on an amazing overseas holiday, I’m debt free (apart from that pesky HECS debt) and planning on buying myself and the kids a home (yep I regret selling our family home a decade ago). So here’s some of the top tips I’ve learnt and hope they help you too.

 

Oh but first have you joined our Facebook Group: Parenting Australia with Mentor Mumma? If not, click HERE 

Top Tip – Set your intention! Get a goal. Keep it in mind, every, single, day. Write it on your fridge and toilet door.

Tip 1 – Keep a record, even if just for two months

You will be amazed when you start keeping a record of where waste appears and areas you’re spending in that you never realised. By keeping a record of every cent spent you get an idea of where the ‘holes in your bucket are’ and where you can make changes. A 25c exercise book from Woolworths will do.

Tip 2 – Get a water bottle or old coke bottle

From this day forward any $2 coins you get, go straight into this bottle. Cut a hole in the top and super glue the lid shut so you can’t get anything out (nor can the kids!). Just keep filling it until it gets to the top, and when you do you should have close to $1000. Some people put any new $5 notes they get in theirs too. Depends on where your budget’s at. This is your ‘adventure’ money. Money set aside for a family memory making event.

Tip 3 – Plan, Plan and Plan some more

Every year get new prices on your insurances.

Set up a direct debit or credit situation where you automatically make payments to your main bills ahead of time, each fortnight (or pay period) for electricity, phone, internet, etc so that you never have a bill again, you’re always ahead.

Shop wisely by creating meal plans, using what’s in the pantry and avoiding as much wastage as possible.

Simple Savings taught me the $21 challenge which I adapted to the $30 challenge. One week take an inventory of what’s in your fridge, freezer and pantry. Then work out what meals you can make with that. The $30 for the little extras you need to complete a week’s worth of meals using what’s already in the fridge/freezer and pantry. This will save a small fortune when done every six to eight weeks.

Plan, plan, plan.

Tip 4 – DO NOT USE CREDIT CARDS

Unless you own your own home and have a redraw facility that benefits your mortgage, and you are also extremely disciplined to pay the card off every month without fail, then do not ever have a credit card. They give you a false sense of security. They teach you bad habits – living off what you don’t have yet. And they 99.9% of the time lead people into financial hardship and a never ending cycle of debt. Instead, only live on what you have and that may at times mean going without, sacrificing and having a few baked beans on toast meals. It’s worth it in the end. You’d also be surprised how many meals you can make with baked beans, just saying.

Tip 5 – Set yourself financial goals

I saw a billboard recently that said most humans spend more time planning their annual holiday than they do their future and retirement. It’s true. Start to set yourself financial goals. Get your superannuation in order. Dare to dream.

Tip 6 – Team effort: Get the kids on board

As a single mum I run my family like a team. Everyone plays their part. That means when we have holidays, everyone saves their own spending money, everyone contributes to the family in some way be that saving their own money or turning off the lights, turning power points off at the wall when not in use (this saves a small fortune too), having cold showers in summer, using a timer for hot showers in winter (cause let’s face it we all want to stay in there for an hour!), etc.

Tip 7 – 60/10/10/20 rule. 

I’m reading a great book at the moment by Scott Pape called the Barefoot Investor.  For it to be any good to you, you have to be above the poverty line and earning a decent income. HOWEVER, some of his basic principles can be applied:

  1. Ensure your bank account does not have annual fees.
  2. Set up four accounts: 1. Spendings/Daily living = 60% of your income. 2. Savings = 10% of your income. 3. Splurge = 10% of your income. 4. Fire Extinguisher (which is used to pay down and off debts quickly) = 20% of your income.

Tip 8 – Christmas bottle

Christmas is what you make it. If you choose to make it about gifts and overspending and getting in to debt, then that’s what you are teaching your children. THIS is the year you get to decide what legacy you want for your children’s future. DO NOT go into debt for Christmas, or anything else for that matter other than a roof over your head. Rediscover family, rediscover connectedness, put balance into your lives, and start the new year without a Christmas debt hangover. Start your Christmas bottle now – start putting $2 coins into it and what’s in there at Christmas time is what you spend. Nothing easier than that.

Tip 9 – Dream.

Don’t be afraid to dream. Work on your mindset. If things are working for you, change yourself first. I have a great ebook to help you do this if you’re struggling. Hat Trick Therapy: Three ways to change your life – Just $4.95 HERE 

There are so many more tips to get ahead financially, but prioritising your expenditure is a key one. I would love to hear your budgeting tips and tricks, success stories, and even failures too because everyone wise knows, failure is a major step in the success process.

Wherever you’re at financially, this is not where you have to live. This is not where your story ends. This is just the beginning.. you get to write the rest of your chapters. YOU get to make changes that change your life, and that of your kids lives. You’ve got this. If I can do it, then seriously, anyone can.

Have an amazing week,

Jo

11/06/2017

Overwhelmed… Disneyland, Dreams and Reality.

I’m overwhelmed. THANK YOU.  Firstly at the amazing response to our recent trip to Disneyland. Seems we appeared in a lot of online media outlet articles and on their pages. Kids were even recognised a few times which has made them feel super special. Then reality hit and we got back, jet lagged, exhausted and my website went missing in action (seems although my domain registrar thought I was paid up I wasn’t and now that’s been rectified we’re back :)).

I have so many articles to write for you I’m a bit overwhelmed with where to start, so thought, I’m just going to start. So here I am, starting.

So here’s a very brief run down of our trip, with much more to come in the next few weeks.

The good

 Dreams DO come true. There were happy tears shed for making this trip happen – at the airport, walking through Universal Studios gates, Walking into Disneyland for the first time, Watching the Disneyland Adventure Park World of Colour Display (I bawled), watching Tinkerbell in the Electric light parade, meeting Fantasia Mickey Mouse!, watching Steve Martin host the 50th anniversary of Disneyland video half an hour before we left the park for good and all of us did NOT want to leave Disneyland on the last day, choking back tears. Dreams came true. New ones we didn’t know were experienced.

 

Another good thing that I did was before we left, a year in advance I told the kids I would pay for most things but they had to pay for their own lunches, souvenirs and extras. This saved me a small fortune and taught them a host of valuable lessons.

We had an absolute ball and would do it all again in a heart beat. I inherited the travel bug from my parents, and my kids are slowly catching it from me – this makes me happy. We travel well together – even after a fortnight sharing beds and being constantly in each other’s space. We’ve even applied for the Travel Guides show on channel 9 – cross fingers, toes and hair follicles for us.

The bad 

Doesn’t matter where you are, you are there, and kids will be kids! So we had meltdowns (mine and theirs!) and what I refer to as teenage ‘resting bitch face’ moments. When you arrive at YOUR Disneyland and then realise you’re sharing it with 10,000 other people in 30 degree heat, it’s a bit of a shock to the system. That and the strollers. OMG strollers. We HATE strollers now. After 16 hour days, hot days, little sleep, and waiting in queues there were a couple of times where it was all too much for one or three of us, and other times where we went Hurricane Harlow hilarious crazy mode to cope hehe. Hollywood was not what we expected and was a real let down – the homelessness (and homeless men blowing kisses to my 8 year old son and waving him over – thankfully he was head down, walk straight ahead due to our prior warning) and state of the place is a shock (apparently no one but tourists, sales people and the homeless go to Hollywood!).  That was really the only bad we encountered so not too bad at all. The bad was outnumbered 1000000 to 1 with the good.

Coming up…

In coming weeks I”ll do some articles with much more specifics on Disneyland, Universal Studios, Travelling with kids, budgeting, budgeting WHILE on holidays (no credit cards allowed), and a host of other things that are on my mind or that you’ve asked for. And I have LOVED getting your messages, thank you so much. If there’s something you’d like me to focus on please send me a message on our Facebook group (and if you haven’t joined, come on over) HERE.

Have an amazing week,

Jo.

PS: If the kids look tired in this photo it’s because this was our one day at Adventureland, we’d already been there 10 hours and they had milked every second on the rollercoasters and rides having a blast. this was very much a DO day. This is about 8pm at night.. after they let me take this pic they raced off for another hour on the California Screaming rollercoaster (the one you see in the background). I waited on a comfy seat and people watched lol.

 

 

15/05/2017

This is how an Aussie single mum took her kids to Disneyland…

So how did this Aussie single mum take her kids to Disneyland! Here’s How….

Just 14 months ago I realised that my eldest daughter’s childhood was almost over! So I decided to make one of her (and her siblings) childhood dreams come true -Disneyland Anaheim (that’s the only one that counts in her books). So I surprised the kids (their beautiful reactions are in the vid link attached below, worth watching..still brings tears to my eyes) with a family trip to USA to visit Disneyland, Universal studios, Hollywood, Vegas and Grand Canyon. We leave tomorrow!!!! A concert to Miss 15’s favourite Youtuber has been thrown in, along with Dodgers games, Santa Monica etc etc. So, how did I, a single mum who just a few years ago was on the poverty line, make this happen for us? 

Watch the moment I told the kids ‘via a storybook’ they were going to Disneyland HERE 

Intention setting

We’ve approached this trip like we do life, worked as a team and set our intentions. I saw Oprah Winfrey a few years back and as a ‘comper’ (someone who enters multiple competitions) in the past I’ve always been a part of the set your intentions, affirmation and positive vibe ‘thing’. But seeing Oprah she reiterated to me the importance of setting your intentions, every day. It’s like adjusting your sails and setting course. I love it. I love her. So we set our intention to visit Disneyland as a family without financial issues in 2017. And as we did that the universe conspired to make it happen. I started getting more work than I’ve ever had ( I’m a sub contractor (Disability and Aged Care Assessor, and Relocation consultant) so a mega thank you to APM and Nuss Relocations for the extra clients and work – great companies to work with), miss 14 got a job, the kids started earning money from outside sources and we researched intensely for good deals. So step one, was set our intentions and continue to do so each day.

Team work

It meant we all got on board. As a single mum there is no back up apart from the support network I’ve put in place, and I’d be lost without them. So my little family, works and operates like a team. This meant we had two no spend months. Other than rent, set bill money, food and petrol for the car, we spent nothing else (I always prepay my bills – put money in weekly ahead of time so I never actually get a bill). You’d be amazed how much you actually fritter away when you’re not looking. Having NO money to spend once the weekly shop and petrol is in the car saves a heap over the course of a month. We also had a few $30 shop weeks where we did an inventory of the pantry, and then worked out our meals with what was already there and what we needed to get to make a meal out of what we already had. This was an idea I got years ago from Simple Savings – thanks guys. You’ll be surprised what you find in that pantry and freezer! It’s about working smarter, not harder. This again saves around $120-$170 a week (our normally shop for 4 is between $150 to $200 a week). We tried to do one every six weeks (some weeks I got so busy we inadvertently did it lol). If you can avoid late fees on bills, reduce your shopping and incidental spends you’ll be amazed that you can save $100 a week, which is $5200 a year!!!. Take care of the cents, the dollars take care of themselves 🙂 Go Team Harlow.

 

Planning

Intention setting is all well and good, so is having dreams but at some point the practical has to step in and that’s where the planning happens. Working out the budget and working to get as much value as we could from each dollar. The conversion rate is a real party pooper however we managed to pay for all our accommodation while the dollar was at 79c, Disney and Universal tickets bought at 77c and cashed converted around 75c (which is really 72c when you buy it .. OUCH!). I also put a shout out to anyone else that wanted to join with us and while a few families put their hands up lifelong friend Feliesha said yep and she, also a single mum, who I used to babysit when she was 3, is coming along with her now 4 year old son Zavia, which has been fantastic as she is brilliant at finding bargains and getting good deals too, so between us we really did get value for money. And that’s important to me. I’m a strong proponent of the, WHEN you take care of the cents the dollars will take care of themselves” philosophy. We worked from our budget, worked out where we wanted to go and then worked out what we could do within those boundaries – a LOT it seems lol. Dreams need plans and goals.

Saving

The kids had to work and save their own spending  and lunch money. I find that when you feed them a buffet breakfast (which I chose accommodation where this was provided) and a large dinner, lunch is fairly give and take. If I’m paying they’ll want lunch and a lot of it. If they’re paying, they’ll be happy with $5 sangas. So that was the deal, I pay for flights, accommodation, Disney, Universal, breakfasts and dinners. Everything else they have to pay. Miss 14 found a job and started working and saving. Miss 13 and Master 8 started finding ways to earn pocket money at home and elsewhere (which also helped me as I was working a lot – thank you Universe). We were also blessed by awesome grandparents who put in $70 spending money for each of them and their gorgeous Aunty Jarxxi gave them U.S. spending money – that made it a bit more real too, so now they’re set. I set them a goal of saving $500 each, they all surpassed that in 14 months. Way to go kidlets. Already they’ve paid for their hop on hop off bus tour at $80 for the girls and $55 for Dan. It’s been a pain having to pay adult fairs for teens but that’s life it seems. Set the budget then get to doing what it takes. Don’t say I can’t afford it, ask HOW can I afford it <3 

 

Staying focused (Focus + Effort)

This trip has been in the forefront of our minds for just over a year. Their savings goal was put on a Disney inspired sheet and plastered around the house (toilet door, bathroom mirror, fridge – all their home hang out spots 😉 ) as a reminder of what we were doing as a family but also what THEY needed to do to help make it happen. For me I have done a daily intention setting “It is my intention to take Kit, Charz, Dan and I to Disneyland and surrounds in healthy and whole condition, without financial issues in May 2017″ (I set the May date about a year ago – one of the cheapest times to go, one of the less crowded and fitted in with our lives). Also, my favourite celeb on the planet, Dwayne ‘The Rock” Johnson has a saying: “Success at anything will always come down to this: Focus and Effort. And we control both”. His Baywatch premier is in LA the same time we are so, yes, I’m setting my intention to meet him!!! Focus and Effort style.

Practical 

Besides working, working and working. Finding ways to save money and tighten the belt by resetting priorities. Finding ways to save on the actual holiday by getting bargains. My highschoolers went to their teachers, found out when assessments were due and worked with the staff to get ahead on their school work and make sure things were handed in on time or ahead of time, or extensions granted where needed. (Kudos kidlets #soproud). I also had to improve my fitness. I’m 46, and fat – that’s life. I’m happy with me but the reality is I’m not currently built to walk 15kms a day, so that had to improve so we started getting up earlier and going for family walks. This did two things. Improved my fitness, and got us closer to LA time, and also gave the kids a few laughs at mum TRYING to jog and keep up. It also identified a foot injury I didn’t know I had and was able to rectify before we left. I also decided we would only take hand luggage therefore we had to get the kids the right sized bags (I chose that as less stress and hassle with checking in, arriving, possible missed bags which I’ve experienced in the past, etc etc etc). And the hours spent the past two days printing out all our bookings, setting the itinerary and earlier in the year checking passports (getting passports that was a drama but that’s another story!), getting visas etc etc. We’re even catching up with an old friend of mine June over there #awesome timing. Today I’m crossing the I’s and dotting the T’s 😉 It’s great having dreams but at some point the goals and planning needs to have action to make it happen.

A Dream + Focus  + Effort + Intention Setting + Goal setting/planning + Action  has resulted in this becoming a reality for us. Me and my three. And the good news is, anyone can make it happen!!!

Gratitude

We teach kids to say thank you but so few adults do these days. I have tried really hard to impart not just the generic thank you into the kids lives but also true gratitude for the experiences they have, the things they have and do and for all parts of their lives – because everything can teach us something. They dont’ always see it that way but they’re learning to, slowly 😉 I think gratitude has a lot to do with achieving goals and dreams. I am soo very grateful for everything coming together (including the mindsets, the actions, the extra work , and the actual initial thought to do this trip) so we could make this trip happen for ourselves. We did it. So proud. So grateful.

What’s your family’s dream?

Join us in our FACEBOOK GROUP to share in our journey, and others parenting teens and preteens.

Now, please Watch the moment I told the kids’via a storybook’ they were going to Disneyland HERE 

Love,

 

Jo and Co

xo

(Jo has been a single mum for almost a decade now, and has had a rollercoaster of a ride. With a passion for helping others achieve their dreams, she created Mentor Mumma – for those who want to enjoy the ride together, learn from each other, and use the village to raise our kidlets <3 )

18/09/2016

Making school holiday memories…on a budget.

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It’s school holidays here in Queensland. Most parents love them. The lack of routine. The sleep ins. The bonding and memory making times. I’m one of those parents who love them. I don’t schedule any clients during one week of the holidays and am very conscious to be mindful, present and totally connected to the kids. OMG the laughs we have, over the stupidest things.

These holidays I managed to score a really good deal on Wotif.com so we’re off to the Gold Coast for three days of living in luxury. This time last year we went camping at Noosa North Shores in tents. The year before we did a road trip to Mums in Harvey Bay. 

Whatever you’re doing have the best time making memories with your kids. Before we know it they’ll be off creating memories without us!

Here’s my 6 top no to low cost holiday options with preteens and teens:

  1. The easiest way to avoid the “this is lame”, “I’m bored” etc is to have each child choose one or two days of the holidays and they have to plan the entire days activities. This also keeps them busy for a few hours googling. They can invite a friend along too if there’s room in the car.
  2. Play tourist in your town or nearest capital city – follow the tourist routes, the walking trails and discover your city from a new perspective. Take a picnic lunch, water bottles and you’re set.
  3. Most towns have a museum – even the smallest of towns usually do. Take the kids and do some ‘what if’. 
  4. Spring is the time for getting back in the water. Does your town have a free swimming area, swimming hole or beach? Set up camp with your picnic or bbq, and invite other families to join you for the day.
  5. Home movies. Each kid picks a movie, load up on popcorn and snacks, get out the doonas, dim the lights and have a ‘home movie theatre day’. If you have a rainy day these are brilliant for that. We had one today. Great excuse to stay in PJ’s too – teens love that.
  6. Google Free activities in your town and local council. You’ll be amazed at what’s on offer. Check the local libraries too as they often run free holiday workshops for different ages even during the school term. My 14 year old goes to Loud (which for some reason I keep calling Roar) once a month..free pizza, lollies, video games, mates her age and lots of laughs.

Whatever you choose to do, make some amazing memories. Feel free to share them on our Facebook group 

If you haven’t received your FREE copy of Thirteen things to teach your kids before they turn 13 then click here for yours .

Happy holidays, all. Stay safe. Make memories. 

Love 

Jo and the Mentor Mumma family