8 Grants for Stay at Home Moms You Can Access

Stay at home moms put everyone in the family before themselves. Making ends meet can be difficult, going back to school could seem impossible, and big business dreams could be placed on-hold. And while being a stay at home mom is incredibly awarding, it can be hard to find a way to complete your personal goals. We’re here to let you know that there is help out there, and we’ve compiled a list of the best grants for stay at home moms to get you back to school or on the path to your dreams.

applying for grants

1. WomensNet

This organization was founded in 1998 and has been providing specialized funding to women ever since. WomensNet aims to help strong, independent women begin and succeed in new business ventures. The funding they hand out monthly is a smaller chunk-of-change but is designed to be used for the little expenses that come along with opening new businesses. They primarily provide these grants to online businesses, as well as home-based companies. In order to be considered, women must provide detailed business plans.

2. Women’s Financial Fund

As one of the most-popular options for grants for stay at home moms, the Women’s Financial Fund is a non-profit that provides grants to moms and women of all backgrounds, who plan on opening their own businesses. They offer grants to women just starting their business and also to women who have existing businesses; both with funding-maximums of $5,000.

Among a few preliminary requirements, women must also donate $15 to the Women’s Financial Fund in order to be considered. The Women’s Financial Fund then chooses the recipients based on their need, thoroughness of their business plan, and honesty.

3. Huggies Brand – Mom Inspired Grants

The Huggies company strives to further the development of parenting, motherhood, and innovation. That is why every year, Huggies awards up to $15,000 to recipients in order to further develop their company and/or products.

In order to receive the grant, your business must focus on a service or product that is designed for expectant mothers, parents, or children, in addition to submitting an application. Huggies knows that moms have the best ideas and provide one of the best grants for stay at home moms out there.

4. Pell Grant

If you’re thinking of going back to school, but don’t think you have the money, you should try applying for government grants. The Pell Grant is one of the best grants for stay at home moms, as its most important criteria is financial-need.

You can receive up to $5,400 each year, which does not need to be paid back, to help with educational expenses. The application takes into-account your financial need, with considerations for the cost of education, your family contribution, and other important financial factors.

5. Federal Supplemental Educational Opportunity Grant Program (FSEOG)

This is another government, need-based program that is available to married women. Women who are already receiving Pell grants and are seeking an undergraduate degree are given priority, but your financial contribution and need is always considered. The program is designed to empower women and help them achieve their dreams of higher education.

There are nearly 4,000 colleges and schools that participate in the program and unlike many other grants, the FSEOG is directly awarded to the recipient, and not to the school. Other grants may be paid directly to the school to ensure the money goes towards tuition, books, etc. The FSEOG program allows women to use the grant for anything that helps them continue their education.

6. IdeaCafe Grant

The IdeaCafe Grant isn’t just for women, but it’s a great option when you’re considering grants for stay at home moms. It is a small business grant for anyone who plans to start a business or already owns one. Applicants must submit their information, in addition to a spectacular business plan.

Recipients can receive up to $1,000; to be used for anything your business needs. Though it isn’t strictly for women, the organization has a reputation of having a strong preference for female entrepreneurs. It’s ideal for women who have a great idea, but not the funds to start.

7. PEO Program for Continuing Education Grant

This is another educational grant awarded by the Philanthropic Education Organization (PEO). They award up to $3,000 to need-based women, wishing to pursue a degree, and it’s one of the best grants for stay at home moms. The grant is especially-designed for women whose education was interrupted by personal problems, health issues, or the needs of your family. The PEO understands that it can be difficult for women to stay in school, especially when they have families, so the grant is meant to help you stick-it-out. Applicants must already be enrolled in school and be within 2 years of finishing a degree program.

8. Institute for Interactive Journalism/McCormick Foundation

The Institute for Interactive Journalism and McCormick Foundation have teamed up to offer special grants to creative women. These grants can total up to $14,000 and are awarded to women who use their creativity to create businesses of their own. Considering the high award-amount, you should expect stricter requirements with this grant. You must use the money with 10 months to begin your business, your business must be non-profit or independent, and the business must have some journalistic value.

The ultimate goal of these two organizations is to help women begin business that will thrive in their communities; helping people to make better decisions. If you wish to apply, ensure your business proposals are well thought-out and thoroughly organized.

Summing Up

When you want to be successful outside of your job as a mom, you may need some help. And while there are times you feel you are alone, there is always help available to you. You don’t have to pursue your dreams on your own. The grants for stay at home moms that you’ve seen on this list today can help you further your education, land your degree, or get your great business idea off the ground, to help better the future for you and your family.


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The Magical Slow Cooker Recipes for Busy Moms – 7 Refined Selections

Feeding a family can be difficult. It’s even more problematic if you’re so busy that cooking a full meal at night is just not in the cards. Whether you have a busy job or you’re managing the needs of several children, cooking a meal in the traditional fashion just isn’t possible for everyone. Fortunately, there’s another option for overworked moms out there – the slow cooker.

 

Slow cooker recipes have been the saving grace of many who have to get their meals started in the morning. A safe and easy way to cook meals without having to watch over them, slow cookers have been the generational secret to keeping families happy and fed. Once you’ve got your slow cooker ready, all you really need is the recipes. That’s where this article comes in, giving you the magical slow cooker recipes for busy moms that you’ve always wanted.

red crockpot slow cooker sitting on the kitchen counter

 

 How to Make the Magical Slow Cooker Recipes for Busy Moms

 

There are thousands of different recipes out there for busy moms. Some of the best of the magical slow cooker recipes for busy moms aren’t just taken from the countless recipe sites on the internet. On the contrary, they come from real moms just like you. These recipes are quick, simple, and easy to throw together while you are getting ready in the morning. Just as importantly, they’re filling enough even for a large family.

 

One of the best parts of the magical slow cooker recipes for busy moms is that they can be easily customized for families of different sizes and dietary requirements. Don’t be afraid to play around with the ingredients a little bit if that will make your life easier.

After all, the point of using these recipes is to take a little bit of the pressure off of you as a mother. Don’t feel like you have to adhere to exactly what’s on the page – you might even find a way to make these recipes better!

 

The one thing that definitely unites all of these recipes is time. If you’re going to cook them, remember to start them in the morning! While you can fudge the time a bit in some cases, the meals that cook the longest are often those that taste the best! You can add some cheap yet healthy snack ideas to keep your loved ones going for the entire day.

 

 

1. Chicken and Dumplings

 

Chicken and dumplings are one of those meals that you traditionally have to slave over all day. Fortunately, the magical slow cooker recipes for busy moms make it much easier to cook.

All you’ll need is:

  • Two cups of chicken stock.
  • Two tablespoons of butter.
  • Two cups of cream of chicken soup.
  • Two pounds of chicken.
  • Salt.
  • Pepper.
  • Poultry seasoning.

Mix it all together and cook it on low for six hours. When it’s done, shred the chicken and add a package of biscuits. Cook on high for another hour and it’s done – all of the flavor, and none of the mess!

 

 

2. Potato Soup

home potato soup dish

This easy potato soup is a great meal for families in the winter. As one of the magical slow cooker recipes for busy moms, it’s a far easier meal than you might think.

Take these ingredients:

  • 32 ounces of chicken broth.
  • A can of cream of chicken soup.
  • Half a package of bacon bits.
  • 30 ounces of hash browns.
  • Cream cheese.
  • Cheddar cheese.

Cook all these nutritional foods without the cheese in the slow cooker for eight hours. Add in a block of cream cheese (cubed) and cook for an additional hour on high. Top it off with a bit of cheddar cheese, and you’ll have a savory meal.

 

 

3. Chicken and Rice

Chicken and rice is an ideal family meal. This version is even easier than you might expect.

All you need is:

  • 32 ounces of chicken broth.
  • A few boneless, skinless chicken breasts.
  • Pack of yellow rice.
  • Cheddar cheese.

Cook the chicken broth and the meat together for about six hours. Shred the chicken and then add a cooked package of yellow rice. Add in a little bit of cheddar cheese and you’ll have another easy meal!

 

 

4. Cheeseburger Soup

Add a quarter cup of flour, three tablespoons of butter, 2 cups of milk and a block of velveeta to your crockpot. Brown two pounds of ground beef, then add it as well. Put it on low while you’re out. When you’re home, you’ll have some fantastic soup!

 

 

5. Honey Garlic Chicken

 

If you want a meal that looks great but takes little effort, this is one of those magical slow cooker recipes for busy moms for you. Combine 1/3 cup of honey, 1/2 cup ketchup, 1/2 cup soy sauce, and as much garlic as you can stand. Mix it together, and pour it over about two pounds of chicken in the crockpot. Cook on low while you’re out of the house, and you’ll have dinner when you get home.

 

6. BBQ Meatball Sandwiches

 

Some meals really don’t need to be all that complex. BBQ Meatball sandwiches are the easiest way to put together a meal even if you don’t have a great deal of experience in the kitchen.

Simply take a package of frozen meatballs, add your favorite BBQ sauce, and a small jar of grape jelly. Cook for six hours on low and serve on sandwich buns for a quick sandwich treat!

 

 

7. Taco Chicken

kitchen counter with slow cooker with shredded chicken meat with bbq sauce

Sometimes, three ingredients are enough for a great meal. For this hit, you’ll just need chicken, a jar of salsa, and a package of taco seasoning. Toss it all together and throw it in on high for four hours. Once it’s done, you’ll have a perfect mixture for taco night!

 

Final Thoughts

 

This series of the magical slow cooker recipes for busy moms isn’t full of tough recipes. On the contrary, it is rich in easy-to-customize recipes that will keep your family’s tummies full. You don’t need great culinary skills to prepare these meals, just a little time and a little patience.

 

What do you think of these crockpot meals? Are they really the magical slow cooker recipes for busy moms, or do you have some favorites of your own to add? Make sure to help us add to this list of fantastic but easy-to-cook meals!

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Teaching Kids about Money – A Comprehensive Guide

School teaches kids many of the skills they’ll need to be successful as adults. But one area where formal education woefully fails children is in matters of money and finance. Sadly, the educational system isn’t equipped for teaching kids about money. Therefore, it’s up to parents or other guardians to educate children on how to be responsible financially.

The good news is that the techniques that can set kids on the road to financial independence and good practices are only a few. Using these methods, you can show children the right way to think about and handle money. These lessons will be something that will help them in both the short and long terms.

boy with round eye glasses studying a booklet in bedroom

How to Teach Kids about Money

The most important thing to consider when teaching kids about money is making the lesson something that they can understand. On top of that, they should be familiar with the presented concepts. Getting overly complicated or teaching a lesson that doesn’t immediately apply to their situation is only going to confuse them.

These financial lessons need to be things that connect with them as kids, while still teaching a lesson that applies to money and finance in the adult world. The perfect type of lesson finds a way to bridge that gap as something that is relevant in both the world of a child and the world of an adult.

Most of the time, the best person to teach these lessons will be a parent or a guardian who is interacting with the child on an everyday basis face to face or even via the Internet. That’s ideal because it allows the teacher to follow up with the child frequently and confirm that the lesson is setting in.

Finally, it’s practically never too early to start teaching kids about money. While we may not want to acknowledge it all the time, money is the primary means of interaction with most of our worlds. A child should be familiar with money and comfortable with good financial practices from a young age.

The Top 5 Ways for Teaching Kids About Money

1) Save Money

golden piggy bank

This one may seem simple, but it’s tremendously important as kids are familiar with only short-term concepts. They want ice cream, and they want it now, not later.  Make sure your child sees you saving money and understands that having savings is a desirable thing. This one can be implemented at a very young age.

Especially for younger children, a great visual technique is to use a glass jar to save bills and coins. The child can actually see the money accumulate. Often times that’s a good way to imprint the idea of long term benefits in a young child.

2) State the Prices of Things

Another tip that can be used with young children is to state the prices of the things you’re buying. When you’re out shopping at a store if you’re going to buy something, tell your child what it costs. This familiarizes a young child with the concept that things cost money, and gives them a scale of what certain things cost in relation to other items.

By instilling the idea that goods and services cost money at a young age, you give your child a head start in understanding financial matters.

3) Avoid Offering an Allowance

transparent money bowl next to paper with financial situation

Avoid the idea of giving your kid a certain amount of money each week simply for existing. Instead, pay your kid explicitly for completing certain chores. Mow the lawn? $5. Vacuum the house? $7. And so on.

From a young age, your child should understand the concept that money comes from work and not as a default. While your child may complain at the time if other of their friends receive an allowance without having to do any chores, your child will be in a better position as a teenager and adult.

4) Establish a Bank Account

One of the most important things you can teach your child is how to manage money in the banking world. As an adult, he or she will have to deal with money management in more complicated ways. However, a bank account is a foundation that should come as second nature.

You can start early with a simple savings account. Show your child how to open such an account and how to deposit and withdraw. Teach him or her how to check the balance of the account and monitor the balance over time. This is going to give a solid body of knowledge in the financial domain to your child that will make money management easier in the future.

5) Help Your Kid Get a Job

office furniture with office chairs, apple computers

This one should be a no-brainer, but a surprisingly large number of teenagers avoid getting any job at all. A part-time job as a teenager is a critical way to instill good financial mindset at a young age. If a kid works, he or she gets a picture of what the world is like for most adults on a smaller level.

And having a job gives a child access to money that they earn on their own. This is a very different story than the money they get for birthdays or is given to them. Gaining the sense of what earned money is like and what they choose to do with it gives them a taste of adulthood.

To Sum It Up

These techniques and lessons will prepare children to use money responsibly and be comfortable with sound financial practices. Teaching kids about money in these ways will set them up to be successful with their finances as adults which is a tremendous advantage.

We strongly encourage you to use some of these techniques for teaching kids about money with your own offspring and let us know how it’s working out. And if you have some other lessons or tips you’ve used with your children in the past, let us know in the comments.

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How to Pay Off Your Mortgage Quicker – 8 Ways

In order to teach you how to pay off your mortgage quicker, this guide will offer eight useful tips and strategies. The basic idea behind paying a mortgage early is fairly simple: send as much extra money to be applied to the personal balance as you can.

By doing this, you will be speeding up the payment process, resulting in its earlier conclusion. Of course, this will diminish the amount of money you will have every month for extraordinary expenses. However, this sacrifice will result in being debt-free earlier. At the same time, it entails finally being the proud and official owner of a home.

Here are some effective ways in which you can pay off your mortgage sooner than you might think.

the word mortgage on a green calculator placed on a desk

1. Make Bi-Weekly Payments

If you want to know how to pay off your mortgage earlier, making bi-weekly payments is a great method to try. Because there are 13 weeks in each quarter instead of 12, and there are 52 weeks in a year instead of 48, making bi-weekly payments allows you to complete a full extra payment each year.

2. Round Up Your Payments

If you don’t have too much extra money every month, a useful tip on how to pay off your mortgage is rounding up your payments. By adding a few dollars to each payment and reaching a round number, you will slowly but surely speed up your payment process. It’s important to note that these few extra dollars should go toward the payment of your main balance.

3. Make an Extra Payment Each Year

Some mortgage lenders do not allow bi-weekly payments. If this is the case with yours, ask if you can make an extra payment each year directly. In order to ensure you will have enough to make the extra payment, it can be a good idea to save up a twelfth of a full payment each month. After 12 months of doing this, you will have an extra payment ready to be sent.

4. Get Rid of Your Private Mortgage Insurance

If you are wondering how to pay off your mortgage not only faster but also at a discount, you will be pleased to know you can cancel your private mortgage insurance. This is an added charge that lenders require from anyone who obtains a home loan with a down payment of less than 20 percent. The good news is that this insurance can be canceled as soon as a mortgage balance is paid down to 80 percent of the original property value.

5. Set a Target Payoff Date Using a Mortgage Calculator

If you want to know how to pay off your mortgage by a certain date, it’s always a very good idea to use a mortgage calculator to know exactly how much you have to add to each payment. As always, make sure those extra dollars go to paying down your principal balance.

6. Refinance

Without a doubt, one of the most popular ways to pay off a mortgage quicker is to refinance for a shorter term or at a lower interest rate (or, even better, both). However, because refinancing is expensive, you need to be sure it will work to your advantage before taking the step. In order to be sure, you need to be vigilant of interest rates falling over one percent below what you’re currently paying.

a drawing of a house with a tree next to it and a symbolic pile of cash coming out of a drawer

7. Add an Extra Amount Each Month

Even though it may be the most obvious way to pay off a mortgage quicker, adding a bit extra each month is remarkably effective. Despite how much you add, if this is done continuously and rigorously month to month, the money will accumulate, bringing you closer to your goal. Be sure to put this extra money toward paying down your principal balance.

8. Use Your Windfalls

Even though most people pay their mortgages slowly and steadily, there is no law that prohibits you from making a big payment every once in a while. If you receive a large amount of money you weren’t counting on, it would be wise to put a big part of it towards an early payment of your mortgage.

How to Pay Off Your Mortgage on Time

1: Through Savings

If you want to know how to pay off your mortgage early, it’s safe to assume that you have an income that will allow you to do begin chipping away at your debt. Besides this extra inflow of money, it’s a great idea to have some savings. Ideally, these savings should amount to three to six months of your regular living expenses.

2: Through Fixed-Rate and Adjustable-Rate Payments

There are two basic types of mortgage payments: fixed-rate and adjustable-rate. Fixed-rate payments are divided between paying the debt and its added interest. The interesting part is that, initially, most of the payment goes to the interest and a proportionally inferior part goes to the debt.

However, this situation reverses as payments are made. For that reason, it’s a good idea to pay down your principal balance as quickly as possible, resulting in less accumulated interests and a faster conclusion of the payment process.

An adjustable-rate mortgage payment works differently: because it gets recalculated with each extra payment, the loan itself stays the same. Even though this prevents the term from decreasing, each extra payment lowers the interest on the remaining mortgage balance. This, of course, results in a faster conclusion of the mortgage payment process.

Summing It Up

If you read through this guide on how to pay off your mortgage quicker, you know there are various strategies you can use to get to your goal. Hopefully, you can apply one (or various) of them in order to become debtless and free. Even if it takes some time, it will undoubtedly be a huge step forward for you and your family.

Whatever strategy you use, paying your mortgage earlier demands sacrifice and discipline. However, the reward is one of the sweetest ones there are: Being the rightful owner of a home. Do you have any tips for paying off a mortgage faster? Leave a comment!

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