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Single Mom Money Savers
Making Ends Meet Without Feeling Deprived
By Shannon McKelden
Pages: 1 2 3 4
Many families struggle to make ends meet. Those families headed by = single=20 moms may find it even more difficult than most. With child support = sometimes=20 sporadic or nonexistent, single moms need to find ways to stretch their = dollars=20 without feeling deprived while still saving for unexpected expenses that = inevitably crop up. So what are the best ways to do this?
Budgeting
Experts agree that a budget is =
necessary. "A=20
budget shouldn't feel restrictive and instead should be a guideline for =
how you=20
are going to use your money," says Brette Sember, author of Sember believes budgeting is important. "It helps you understand what = expenses you have, see where your money is going and gives you an easy = way to=20 understand what you have to cut or how much you have to increase income = if you=20 want to spend more," she says.
Make sure to budget in money for fun, unplanned things, Sember says. = You=20 won't feel as restricted if you have a set amount each month you can = blow on=20 anything you want.
But what are some concrete ways to save money?
Food
Believe it or not, your food budget may be =
one of=20
the easiest places to save. "The grocery bill was one area I could =
really attack=20
and cut costs on," says Ellen Ferlazzo, a former single mom from =
Pleasanton,=20
Calif.=20
Clipping coupons, watching for sales and buying store brands can all = save=20 money. If you have the space, growing your own vegetables can also make = a cut in=20 your grocery costs.
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A.indexOf(C)=3D=3D-1&&C!=3D""){if(A!=3D""){A=3DA+E+C}else{A=3DC}}}return =
A}var _omniTrafficMap=3Dnew Array();var _omniConvMap=3Dnew Array();var =
_omniEventMap=3Dnew Array();function =
_dolWAOmni(){try{_dolWAOmniSetVars();s_omni.t()}catch(A){_dolWAOmniInitJS=
()}}function _dolWAOmniInitJS(){var B=3D"text/javascript";var =
C=3D"omniScript";var =
A=3D"http://aglobal.go.com/stat/s_code.js";if(location.protocol=3D=3D"htt=
ps:"){A=3D"https://global.go.com/stat/s_code.js"}document.write("
Help Your Family Thrive
\nSponsored by Kaiser
\n\n\n');=0A=
=0A=
digAdData['TextBox2'] =3D new digAdDataContainer('TextBox2', '', 'Kill the Germs That Make Kids Sick!
\nSponsored by Clorox
\n');=0A=
=0A=
digAdData['TextBox3'] =3D new digAdDataContainer('TextBox3', '', 'Sleeping Tips for Your Child
\nSponsored by Johnson & Johnson
\n\n\n\n\n');=0A=
=0A=
digAdData['TextBox4'] =3D new digAdDataContainer('TextBox4', '', 'Free Coupons! Just Click and Print - It\'s That =
Easy
\n\n\n\n\n\n');=0A=
=0A=
digAdData['TextBox5'] =3D new digAdDataContainer('TextBox5', '', 'Disney Family Community
\n\n\n\n\n\n');=0A=
=0A=
document.write(digHeaderText);
------=_NextPart_000_019D_01C912C1.DA4DCE10
Content-Type: application/octet-stream
Content-Transfer-Encoding: quoted-printable
Content-Location: http://adimages.go.com/ad/sponsors/utilities/digcsserver.js
//
// J.Whelan
// 2007-02-01
// Client-side ad delivery
// =
-------------------------------------------------------------------------=
-------------
var digErrors =3D new Array();
// Map Special Case Rendering Scenarios --
// key: InsertionType [String]
// value: renderFunctionName [with NO PARENTHESES]
//
// EXAMPLE: digRenderMap["MediumRectangle"] =3D renderMediumRectangle;
//
var digRenderMap =3D new Array();
// digRenderMap["SponsoredByLogoHeader"] =3D =
digRenderReturnCreativeText;
// digRenderMap["Banner"] =3D render;
function digGetAd(insertionType, forceCreativeReturn) {
try {
forceCreativeReturn =3D (String(forceCreativeReturn) =3D=3D "true") ? =
true : false;
var adDataContainerObj =3D null;
if (digAdData !=3D null && digAdData[insertionType] !=3D null) { =
adDataContainerObj =3D digAdData[insertionType]; }
if (adDataContainerObj =3D=3D null) { adDataContainerObj =3D new =
digAdDataContainer(insertionType, null); } // empty ad
return digRender(adDataContainerObj, forceCreativeReturn);
}
catch(e) {
// Capture error for the console
digErrors[digErrors.length] =3D "Issue inserting " + ((insertionType =
=3D=3D null || insertionType =3D=3D "") ? "an unknown insertion type" : =
insertionType ) + " [ " + e.description + " ]"; =09
}
}
// WDIG_render(adDataContainerObj) function:=20
// Has the ability to return a string to accommodate the case when =
digGetAd() is called
// to return the creative text instead of writing it directly to the =
DOM.
// *** This may be useful in special case rendering scenarios.
function digRender(adDataContainerObj, forceCreativeReturn) {
if (adDataContainerObj !=3D null) {
if (adDataContainerObj.creative.text !=3D null) {
// Check for special rendering scenarios
var renderFunc =3D digRenderDefault; // <-- Default =
Rendering
if (digRenderMap !=3D null) {
// Prevent recursive reference with *arguments.callee* comparison =
check
if (digRenderMap[adDataContainerObj.insertionType]!=3Dnull && =
digRenderMap[adDataContainerObj.insertionType]!=3Darguments.callee) {
renderFunc =3D digRenderMap[adDataContainerObj.insertionType]; // =
<-- Special Case Rendering
}
}
return renderFunc.apply(this, arguments); // <-- Execute =
Assigned Rendering Function
}
else { // Render empty ad
document.write("");
throw new Error("No ad data found for insertion type: " + =
adDataContainerObj.insertionType);
}
}
else { throw new Error("Cannot render null adDataContainerObj"); }
return "";
}
function digRenderDefault(adDataContainerObj, forceCreativeReturn) {
if (forceCreativeReturn) {
return adDataContainerObj.creative.text;
}
document.write(adDataContainerObj.creative.text);
}
// Generate the DynamicCSAd request with the url parameter.
function digRequestAds(csarUrl, includeHost, cntCodes) {
adRequestUrl =3D digGenerateCSARUrl(csarUrl, includeHost, cntCodes, =
document.location.href);
// Write the CSAR request url
document.write("Client-side Ad Serving Console
'); =09 if (digErrors !=3D null && digErrors.length>0) { // Output errors that have been caught doc.writeln("
Ad Rendering Issues:
- "); =09
for (var i=3D0, iSize=3DdigErrors.length; i
"); =09 for (var prop in digAdData[itype]) { doc.writeln("" + prop + ": " + digAdData[itype][prop]); if (typeof digAdData[itype][prop] =3D=3D 'object') { for (var subprop in digAdData[itype][prop]) { if (typeof digAdData[itype][prop][subprop] =3D=3D "string" && = digAdData[itype][prop][subprop].length > 0) { doc.writeln("\t" + subprop + ":\n\t"); =09 } } } } doc.writeln("
"); } =09 doc.writeln(''); } else { doc.writeln('
digAdData array was not initialized.'); } doc.writeln(''); doc.close();=09 } // Check if console has been requested if (location.search.indexOf('WDIG_CS_DEBUG=3D1') > 0) {=20 try {=20 // Attempts to attach the console launcher to the onLoad=20 // event without overriding previous onLoad handlers. if (window.addEventListener) { window.addEventListener('load', = digShowDebugConsole, false); } // Gecko, Safari, Konqueror and W3C = standard else if (document.addEventListener) { = document.addEventListener('load', digShowDebugConsole, false); } // = Opera7 else if (window.attachEvent) { window.attachEvent('onload', = digShowDebugConsole); } // IE else { window.onload =3D digShowDebugConsole; } // Override = entire event for all other browsers }=20 catch(e) { window.status =3D "Could not open console: " + e.description; setTimeout("window.status=3Dwindow.defaultStatus", 5000); } } ------=_NextPart_000_019D_01C912C1.DA4DCE10 Content-Type: application/octet-stream Content-Transfer-Encoding: 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\n');document.write('
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