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About Cleverly Changing
The goal of Cleverly Changing is to share savings tips, wisdom, and experiences that I gain from everyday life as a mother of twins with others so that we can help each other become better parents. Wishing to encourage, empower, & inspire others to live cleverly, changing when necessary.-
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- Review & GIVEAWAY: Purex Triple Action Liquid Detergent & FREE App
- Review and Giveaway: Yoplait Lactose Free Yogurt in Honor of Lactose Intolerance Month
- Happy Black History Month! How will you celebrate?
- Finance Friday: Sales & Deals to help you save big this weekend.
- Raising Swiper: Signs to recognize if your kid is the school bully?
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Finance Friday Archive
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Guest Post: Ways to Negotiate your Insurance Rates
Posted on February 22, 2012 | No CommentsNegotiating your insurance rates can save you thousands of dollars. A lot of people do not realize that they have every right to negotiate their insurances rates to a lower... -
Finance Friday: Save your dollars – Enable yourself to live a debt free life
Posted on January 20, 2012 | No CommentsMoney is an essential need for the survival of human beings. But, it has been seen that most of the people spend money unnecessarily when they have it in their... -
Finance Friday: Pay back your debts by saving money and negotiating with creditors
Posted on January 6, 2012 | No CommentsOne of the fastest and best ways to get out of your credit card debts is through debt negotiation. The process of debt negotiation includes bargaining with your creditors to... -
Save More in 2012 the Easy Way
Posted on December 30, 2011 | No CommentsThere is no reliable way to predict the future so when emergencies and other unexpected events occur having some money set aside is very important. Besides, being prepared for the... -
Tips For College Bound Kids
Posted on December 29, 2011 | 4 CommentsOn occasions, I have felt that universities should offer a rebate, when your education does not live up to what you pay for. While some college and universities do an... -
Finance Friday: Tips for working with Contractors
Posted on December 23, 2011 | No CommentsRecently, we decided to get some work done on our home by going a cheaper route. I usually go through major companies but because the work kept accumulating I tried... -
Finance Friday: (Tax Time p.1) Child and Dependent Care Tax Credits: Qualifications and How to Claim Them
Posted on December 9, 2011 | 1 CommentIt’s no secret that cost of dependent care can be very expensive. With a greater number of families requiring dual incomes to make ends meet, it has become increasingly necessary... -
Finance (Guest Post): 4 Ways to Cut Spending and Save More
Posted on December 6, 2011 | No CommentsTimes are hard, jobs are scarce and incomes have dwindled; yet you still have to pay your debt, fend for your family and meet other financial obligations. It’s almost impossible... -
Finance Friday: 6 Ways to Save Money Without Using Coupons
Posted on December 2, 2011 | 2 CommentsWe all know that money doesn’t grow on trees. So whether the time of plenty has changed or not, some people are really trying to decrease their spending and... -
Family Planning – Life Insurance
Posted on November 21, 2011 | No CommentsGrowing up in my community I can remember a few people whispering about life insurance after a relative passed away. Usually, the whispers were followed with, “No, he didn’t have... -
Finance Friday – (Guest Post) Elegant Frugality: Make a budget with a goal
Posted on November 18, 2011 | No CommentsOur rapidly changing world economy, and growing concerns about the values that are passed on to future generations, have led many to sit up and take a good look at... -
Your Purse and Your Finances
Posted on November 6, 2011 | 2 CommentsRecently, I acknowledged that the relationship women have with their purses and their personal finances is heavily linked. One of my co-workers use to tell me, “Never put your purse... -
Finance Friday: 7 Questions to ask before you go shopping
Posted on October 14, 2011 | 2 CommentsWho doesn’t love getting a good deal? I know, that I really enjoy getting a bargain, but this week, which is my second week participating in the financial fast, I... -
Challenging Your Finances: Learning From Michelle Singletary
Posted on October 4, 2011 | 4 CommentsThe other day, I was in Target getting a few groceries we needed. My 2 year daughter was with me, and every time we passed something cute that caught her... -
Learning How to Manage Finances in College
Posted on September 20, 2011 | No CommentsThis post may be for you or a friend with college-age children. Please share it with others if you find the information helpful. I have a nephew in college this... -
Finance Friday: (Guest Post) How to Budget For An Emergency
Posted on September 9, 2011 | 3 CommentsEMERGENCY BUDGETING So many of us have struggled during the current economic crisis and our family has been no exception. About 3 years ago my husband and I found ourselves... -
Finance Friday: How to Save For Your Child’s College Tuition Practically
Posted on August 19, 2011 | 8 CommentsThere are many things to worry about as a parent, but college savings for your child doesn’t have to be one of them. In 16-18 years, hopefully you will have... -
Finance Friday: (Guest Post) “Why Emergency Funds Are Essential”
Posted on August 11, 2011 | 2 CommentsThis article was written by John from Home Loan Finder. Visit Home Loan Finder to compare home loan interest rates. None of us can claim to have an emergency-free life,... -
Financial Friday: 7 Day Financial Fast Report
Posted on July 21, 2011 | No CommentsMy husband and I tried the 7 day financial fast and it was a lot harder than I thought. In general I am not a big spender, but I guess... -
Steps to Get Out of Debt
Posted on July 15, 2011 | No CommentsCredit card debt is a major problem in this country. While not everyone has a credit card, those that do typically carry a balance. The interest rate on a credit...
