Have you heard of a “swear jar”? Some families who are trying to improve their language will institute a swear jar. Any family member who swears has to put a quarter into the jar. But you can get creative with your family. Is there something your family would like to improve on that could use a “swear jar”? Here are some ideas, especially for those with older kids who generally have some money somewhere in a piggy bank. 
- Every time your child talks back he or she has to put a quarter in the jar.
- Playing video games, watching television, or other entertainment media “costs” $0.50 for every half an hour.
- Family members must pay a quarter each time they don’t put away their shoes, toys, or whatever item always seems to be left on the floor each day.
- Complaining about dinner will cost family members $0.50 each.
Of course these totals are just for example. You can tailor your “swear jar” penalties, and fees to match your family’s goals, age appropriateness, and even have a sliding fee scale depending on the age and infraction of the individual. Not only will you begin to see a change in behavior, but you can put that money towards a family goal. It makes paying the penalty a little easier.
One of the best ways to stay on track with your holiday budget, is to curb holiday impulse buying. Many people are guilty of impulse buying without even realizing it, and then wonder what happened to that careful planning when the bills come. Curbing your impulse buying now will help when it comes to balancing income and bills.
In an effort to save money on your grocery bill, you have probably already implemented advice offered time & time again. Shop from a list. Buy what’s in season. Don’t shop hungry. Clip coupons! Look at what’s on sale each week. All are very good rules to shop by; however, there are other ways to save money on groceries. Take a look at five unique ideas to save money on groceries.
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