Money making

Update: Hero’s Act. 2nd Round of Stimulus checks and more….

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Are you one of the millions impacted financially by Covid-19? Wondering if and when you will get a 2nd stimulus check? What the 2nd stimulus package, the Hero’s Act, has in the said proposal? Or maybe you haven’t even gotten your 1st stimulus check and you’re growing concerned. Here’s an up to the minute update….

The second round of stimulus checks proposal is with the Senate as of today May 28th. 2020. Yes, the Senate has yet to finalize this stimulus package for the Corona Virus or COVID-19 relief fund.

Both Democratic and Republicans agree on the proposal (just not the terms), but the final terms of this package are left undecided. Some of the perks of the Hero’s stimulus package include bonus pay for healthcare workers who are on the front-lines in the midst of the COVID-19 pandemic. Democrats also proposed an extension of unemployment benefits and another round of stimulus payouts for all Americans that made under $75,000 or $150,000 for families with children. Families would qualify for a payment up to a cap of $6,000 for families with children.

Under the proposed law, an eligible person would receive $1,200 if their adjusted gross income, or AGI, from their 2019 federal tax filing or 2018 filing (if you haven’t filed taxes yet) was less than $75,000. As with the current stimulus package, payments would incrementally decrease as your AGI goes up. A chart from the Congressional Research Service shows proposed payments by income (PDF). ~ cnet.com

What does the Heroes Act propose?

The Heroes Act, officially the Health and Economic Recovery Omnibus Emergency Solutions Act, includes a handful of additional measures to provide support for individuals and businesses.

Unemployment benefits: The bill would carry over the current enhanced unemployment benefit of $600 per week (on top of states’ typical unemployment payout) to January 2021.

Payroll protection: The Heroes Act would expand the employee retention tax credit to help employers keep workers on the payroll.

Funds for essential workers: Under the bill, state and local governments would receive $1 trillion to pay salaries for first responders, health care workers, teachers and other essential workers in danger of losing their jobs. The bill would also fund hazard pay for workers with high-risk jobs.

Coronavirus testing, tracing and treatment: The bill would include $75 billion to provide for expanded testing and contact tracing.

Support for businesses: The bill would bolster the Payroll Protection Plan, which provides payroll assistance to small businesses, and provide additional funding for the US Postal Service. ~cnet.com

 

Here’s some updated info from CNBC.com

Senate Republican leadership has not embraced the Democratic House proposal with open arms.

On Thursday, Senate Majority Leader Mitch McConnell, R-Ky., said the next coronavirus bill will not extend enhanced unemployment benefits. Democrats wanted the $600 extra per week extended through January.

The idea of additional stimulus checks has also drawncriticism from other Senate Republicans, who are hesitant to sign off on any such checks until they’re sure they’re needed, with most states in the process of reopening for business. Meanwhile, others have said they are flat out opposed to a second round of payments.

“Republicans are hanging back,” said Chuck Marr, senior director of federal tax policy at the Center on Budget and Policy Priorities. “I think downward economic pressure will force action over time.”

So in conclusion, the jury is still out of the final decision, it’s all in the senate’s hands at this time. It could take weeks before we know and another waiting period for checks to be issued.

My thoughts and prayers go out to anyone who’s been hit with financial hardship during this time. Please remember there is help in your state if you are really running low on food or supplies. Go to needhelppayingmybills.com and there are lots of resources for help in your state.

I hope this helps anyone that might need some help during this time of uncertainty. One good thing that I think is coming out of this pandemic is how employers are seeing a different way of doing business and opening up to the possibility of more workers being able to work from home on a more permanent basis. Work from home jobs are perfect for moms who need flexibility the most. If any employers are reading this, please consider work from home jobs for moms or people that might be sick or injured or just need more flexibility in their lives. I think this could be a win-win for everyone involved. Employers can save money by not having to provide a desk, office space, computer, etc., and it saves employees money on gas, clothes, lunch, and car maintenance.

What are your thoughts on the Hero’s Act? Do you see anything positive coming out of this?

Money making

More on 2nd stimulus check and proposed 1800 page ‘Hero’s Act’ package

Coronavirus, Covid-19, the pandemic or whatever we are ‘allowed’ to call it online might be a blessing to some, while nonetheless, a curse to others.

As a single divorced mom for me having an extra $1200 was a welcome gift from the pandemic. Millions have lost their jobs and there are many families struggling. I tend to think like this….plan for the worst, hope for the best, but ‘find joy in the moment’, kind of person. While there are so many bad things about this virus that the media tends to focus on, I think about all the good that has and will come of this as well.

So many families are more united than ever, I think that times like this really put life in perspective. We need to take more time for family, friendships, being kind, and placing more value on relationships, social connections and finding joy in life’s little moments.

As someone who deals with bouts of depression and anxiety, in addition to living with a chronic pain condition. I already value my down-time or alone time or just being home-time, probably a lot more than the average person, so being in quarantine made me focus on things that I’ve wanted to do but never had the time for. I love reading (and writing) go figure. I’ve always been into story telling and journaling. I guess I just love learning. So this pandemic has given me the time to get my blog updated and focus on sharing content that I think will be valuable to others, reading and just learning in general.

I also realized where I need to cut back my spending. I think one of the things I most buy that I can admit I need to cut back on, is buying books. I don’t know why I buy so many but I always have the best intentions when it cones to reading them. As we speak I’m reading a business book (this is my favorite category) Called Shopify E-Commerce Dropshipping, just got done with one By Jessicas Simpson called Open Book which was a pretty good read. And a few others during this whole crazy quarantine situation.

Anyway, the value of just being able to have quiet time to read, think and ponder just helped me so much with self care, and taking time for myself and my own mental and physical well-being. As a busy mom of two boys ages nine and six, my focus first is always what my kids need often neglecting my own needs. I now share custody of my boys with their dad so on his weeks I take time for self-care and make my health a priority. Living with a chronic pain condition can be extremely taxing on ones own health as well, not just physical health, but my own mental health too. Chronic, long term pain is associated with increased risk of depression and anxiety, which I have definitely struggled with long term.

Ok, enough about quarantine, now back to the checks!!!

Here’s the latest update as of today May 20th, 2020

Unveiled by House Speaker Nancy Pelosi on Tuesday last week May 12th, the Health and Economic Recovery Omnibus Emergency Solutions (HEROES) Act is a $3-trillion coronavirus relief bill whose measures include giving eligible Americans a second stimulus check to help them cope with the financial effects of the pandemic.

The fresh round of Economic Impact Payments proposed by the Democrat-backed HEROES Act would see those in the United States who earn less than $75,000 a year receive a one-time, non-taxable check for $1,200, while households with dependents would be able to claim a total of up to $6,000.

HEROES Act passed House of Representatives on Friday!

Don’t get too excited yet…

The HEROES Act was passed by the House of Representatives on Friday  

Trump has the power to veto the proposed legislation – a course of action which could then be overruled by the bill going back to Congress and achieving a two-thirds majority in both the House and the Senate.

So as of now, we are waiting mode

A few facts about this proposal…As things stand today, the second stimulus check is for $1,200—the same amount as the first $1,200 stimulus check. Individuals would get $1,200, while married couples who file joint tax returns would get $2,400. Children (up to three) would also get the $1,200 amount with this new round of stimulus checks as opposed to the $500 they got with the first round. For example, a family of five (a married couple who files joint taxes can claim up to three children) would get a maximum of $6,000 if this second round of stimulus checks becomes law.

Remember, you’ll only get this money if the Senate signs on with the House to provide more stimulus checks. The economy is reeling, and the Senate knows it. Senate Leader Mitch McConnell and other Senate Republicans already agree that another stimulus relief package is necessary. They just want more time to get it done, and they are communicating that they will start work on it in June.

So we might not really know until June.

I’m happy about the student loan forgiveness part, as someone who had to take out student loans to have a higher education of any kind. A decision I don’t regret by the way, although I do think we need to make it easier and more affordable in our country to go to college.

What are your thoughts on this proposal? What parts are you most excited about, if it passes?

Money making

2nd Stimulus check update: What this means for you and your family!

House Democrats want to send Americans a second round of stimulus checks worth up to $6,000 per family as part of the $3 trillion coronavirus relief package they rolled out Tuesday — the largest in history.

Like the first round of payments approved by Congress in March, new proposal calls for giving $1,200 to those earning up to $75,000 a year and $2,400 to couples without dependents making double that before phasing out. But it would be far more generous to many families with children, providing $1,200 per dependent up to a maximum of three.

Americans may not see these new, more generous payments, however. Senate Republican leaders have already said the new bill is dead on arrival….no surprise there.😂😂

This New Democratic bill would also extend the historic enhancement of unemployment benefits included in the March legislation. It calls for continuing the weekly $600 federal payment through January, instead of through July.

Republicans are arguing this second round of emergency funding is not yet needed as states begin to reopen. Do you agree?!

Democratic lawmakers also want to bolster the nation’s safety net by increasing the maximum food stamp benefit by 15%, a provision they could not get into prior packages, and providing additional funding for nutrition programs for children. 

They would also allocate $175 billion to help renters and homeowners and offer subsidies to help Americans who lose their employer-provided health insurance keep their coverage.

This new proposal calls for $1200 in stimulus funding per dependent instead of the previous $500. And additional funds for dependents under six.

Hmmm. So, my youngest is six so I’m confused if that would include him or not. Either way, I think this would help so many families.

We will know more about this bill and if it passes this Friday May 15th, 2020.

*Stay tuned for more on this and more economic recovery and help for families struggling during this pandemic. *

Money making

How I get kids name brand clothing super cheap or even free!

Money making

Get ready for Christmas!!! 50% off toys!!

Christmas?! Did I really just say Christmas?! I know, I know, it’s not even Halloween as I write this blog post but trust me it will be worth it!

I stopped Rite-Aid today Oct 28th, just to get my fav body wash. Btw, have you ever tried this body wash? Omg, Ah-mazing! Seriously the best body wash I’ve tried in a long time!

This body wash goes on a but one get one free sale a lot. Wanted to stock up but there was only three in stock. 😞They are BOGO this week.

As I was shopping, (Looking for eggs and milk too because I didn’t wanna stop at the grocery store too) I came across a few things for Christmas.

First up.

50% off toys

I asked the cashier how long this sale would be going on and she said at least through November! Grab them early for best selection!

Also, be sure to check Walgreens for toys as well because they will have amazing BOGO toy sales. Sometimes they do buy two or three and get two free sale!! Perfect for filler type gifts (that’s what I call them). My boys each get one or two expensive gifts they really want, some clothes, pj’s, etc. and then some of these ‘filler’ type gifts. I once walked out of Walgreens with two carts full of toys for under $100, just using these toy sales and rewards points. I get my prescriptions there as well so I save up my rewards that way. The point system was a lot better back then though, this was in 2012 I think. They still have great sales though!

Next up! Home decor!

I don’t know about you but I’m already thinking about decorating for Christmas 🎄

I think decorating has to be one of the most fun things I love to do during the holidays!

Rite-Aid had decor and candles, etc for 50% off!

Happy holidays!

Happy Holidays!!!

Money making, Money Saving

10 Super Easy Ways To Save big!!!!

10 Super easy ways to save BIG!!!!

#1 Ditch the Jonses’. The Jones’ might appear to have a beautiful life but what you don’t see is their debt. Just because they live in a fancy house and drive a brand new car doesn’t mean they have money.Truth is they probably have massive soul crushing debt.Trying to keep up with a lavish lifestyle can live you broke, stressed and unhappy. Freedom comes from being happy with less and only buying what you can truly afford

. #2 Simplify. No you don’t have to get rid of all your belongings and move in to a tiy house (although that is an option). But rather,try to think with a simpler mindset. Declutter your house and get rid off things that you don’t use. Sellt these items on Craigslist, or aother online marketplace and put this money in savings.

#3 Don’t grocery shop with your kids if you can help it. You will save big just by the kids not picking out things they want that they saw on tv or that have their fav character on it. These items get pricey and add up fast

#4 Don’t buy snacks. Or if you do buy snacky types of food, shop at the Dollar Tree or the .99 cent store. Snacks add p fast at the grocery store.

#5 Trick yourself into saving. You know that lose change in your car, on your nightstand or at the bottom of your purse? These little coins can add up to big savings. Save them in a jar or a water cooler bottle (like I do). We are hoping to save enough for our Disneyland trip. Even if we have half by the end of the year it would be worth the minimal effort for several hundred or thousands. I read on a blog were someone did this and had close to $3000 by the end of 12 months. If you think about it everyday you get change if you carry cash. Let’s say everyday you end up with $5 in change. Times that by 30 days $ 150 a month saved is a whopping $1800 ayear! See how fast change can add up? What could u do with an extra $1800 a yr? Go on a mini vacation? Pay down debt? Invest? Save? Shopping spree? Down on a new car? Gift? Christmas fund? The possibilities are endless.

#6 Stay home more. While the idea of this might not sound very fun…it can be a great way to reconnect with family. Turn off your phones and devices and have a family game night or movie night or even a backyard camp-out.  Tell your friends and family you will be staying home a lot to save money, so they don’t feel like you’re blowing them off or have become a recluse. Make them come see you. If you think about it, even if you don’t spend any money you still are using gas. The more places you go the more you spend. It adds up quick and add kids to the mix and the cost goes waaay up. It’s easy to spend $40-$100 on one outing or event.

#7 Pack your own food and drinks if you can if you do go out. A quick Dollar Tree run is all it takes to cut the cost by 50-100%. Think about how many times you ight have blown money at fairs, carnivals or theme parks.

#8 Explain finances with kids at an early age. This is often a taboo subject and a lot of us don’t discuss money with kids. I think this is doing them a disservice. I thought this too..shield the kids from financial issues. What that lead to was mom..I want, I want, want. Start giving your child an allowance from the time they can start doing little chores. I recently gave my step son a lesson in money at Walgreens when he had $5 he wanted to spend. He had to decide what items (candy) were the best value for his money and I had him pay the cashier. This instills a since of trading time for money and that money isn’t endless. We can’t just go out to our backyard and pick money from a tree (though that would be nice). A lot of people have a hard time telling kids no. Believe me I was one of them. We’ve all seen the stressed mom at Wal-Mart giving into a child just to get out of the store right? Yep, that was me…no seriously that might have really been me. Lol I had to start learning to say no, compromising and laying ground rules before we even entered the store.  Like for example…your b-day is right around the corner so you are not getting a toy today. We are here only for groceries today. My older kids tend to understand but my little one whos four I try to not shop with him if it’s at all possible. Call grandma, a friend or a neighbor if you can for a quick and easy trip to the grocery store.

#9 Grocery shop with a plan. For a lot of families including mine. Groceries are one of our biggest monthly expenses…#2 actually. A good thing about this expense is it is a flexible expense, meaning the amount spent is not set in stone like say a mortgage payment or car payment. What this means is you can easily reduce this expense. Things you can do to save at least 50% on your grocery bill include weekly meal planning, shop with a list, plan around your stores weekly sale ad, don’t buy convenience foods…like buy a head of lettuce and chop yourself or a reg bad of carrots instead of baby carrots. These little changes can save you a lot.

#10 Shop at Dollar stores. I buy most all of my snack type foods, cleaning products, cards, crafts and pet items oh yeah and socks at The Dollar Tree. I absolutely love the Dollar Tree! If you do nothing else on this list.This one thing can save you hundreds a year. Some of the items that are totally worth buying are….socks, hair products, soaps, cleaning supplies, crafts, birthday party supplies, holiday decor,knick knacks,books, medicines, pantry and frozen foods and so much more! Dollar Tree videos and more on my youtbe channels Mommies Frugal Finds Mommies Media Beauty30

Money making

Dollar Tree Hair color review January 2016