A child's advice, pet savings, college jobs, restaurant spending and more.

1. A Child’s Wise Advice to Adults on How to Earn and Save Money

Len Penzo dot Com — Len’s 18-year-old daughter Nina wrote a post for him when she was 11. She discusses great money-saving tips — and reveals that she started her own car washing business on the weekends. She charged $10 per car and $15 per truck.

Lens says, “Nina has always been a natural saver and good at managing her money.” I love the fact that at age 11, Nina kept a ledger where she listed her chores and how much money she gets paid for doing them. Check out Nina’s post and learn something from an 11-year-old. I did.

2. Frugal Tips for Pet Owners 

The Frugal Toad — Paul presents six tips for saving money on pets. After all, some people definitely go overboard lavishing their pets with insane treats and gifts. His fourth tip makes sense: “Focus on Healthy Pet Habits.” Invest in a decent food brand and make sure they get exercise.

The last tip, “Take Advantage of Pet-Friendly Activities” makes some good points, too. Many towns have dog parks or other places you can bring your pet. Most are free, so that helps with the expense. If you’re thinking about purchasing a pet, read this post. You might also like to read about budgeting for pets.

3. Why Working in College Pays in More than Dollars

Mama Fish Saves — Mama fish provides five reasons why working during college years helps young people beyond just making money. For example, it improves time management skills. She makes an excellent point here: “While students may be overwhelmed with a college workload in their first semester, the reality is that many are overwhelmed by a lack of time management skills.” True.

College provides free time but many students don’t study during that time — they party or goof off. Read this post, and then check out this one on tuition assistance.

4. 5 Steps to Getting on the Same Financial Page as Your Spouse

Marriage, Kids and Money — Many couples who don’t talk about money don’t stay married very long. We’ve discussed this before, but let’s talk some more about it. Andy says he and his wife have different hobbies and interests, “but we do our best to come together on our family financial planning.”

I like the second step. It seems obvious, yet so many couples don’t do it: “Plan your path together.” If you or your spouse have dreams about retirement or getting a new job, you must discuss those dreams together. It takes two.

5. How to Stop Spending Money at Restaurants and Start Enjoying Food

Saving with Spunk — People love eating at restaurants. Some do it because they hate cooking or can’t cook, others for convenience. Whatever the reason, dining out three or four times a month wastes money. Jen and her husband spent $3,000 a year eating at restaurants.

But they changed all that. She says when eating at home, “you spend less, have more leftovers, can customize your dish, eat it in your pajamas while watching a movie.” Now that they quit, she provides seven things they do to replace their restaurant habit.

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Brian Bienkowski

Brian Bienkowski


Bienkowski is a contributing writer and is the face of Debt.com's 'By the Numbers' videos.

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Article last modified on September 7, 2017 Published by Debt.com, LLC . Mobile users may also access the AMP Version: Around the Web: Kids' Money Advice - AMP.