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Blog By Donna

A Mom Navigating Life

How to Spend Smart for a Brighter Financial Future

By: Donna Chaffins | Date: April 16, 2014 | Categories: Financial, Frugal Tips, How To, Money Talk, Savings

Everyone who knows me, knows I’m frugal. I try to save what I can, and I like to think of myself as a smart shopper.

Spending money is easy. Too easy. But if you have to spend or want to spend, it takes a little more work to do it smartly.

To spend money smart it takes:

  • Information – Know what your finances are. Keep track of your banking accounts and do research before you shop, especially if you’re shopping for big items.
  • Motivation – Sit down and make a budget and always pay yourself first. It will be motivating to know you’re putting yourself first. Even if it’s just a few dollars, it adds up.
  • Willpower – Find something that is important to save for… retirement or your child(s) college, etc., and use it to stay strong and not spend money on a whim.

I think willpower is the toughest for most people.

This is a lesson I’ve been trying to teach my son. Just because you have the money doesn’t mean you have to spend it. But if you do, spend smart.

Check out this infographic on ‘How to Spend Smart’… Tips for a healthy financial future….
spendsmart flm infographic 6a8a87d32c81d837bf9196c3abfa2a5b How to Spend Smart for a Brighter Financial FuturePresented by SpendSmart

How do you spend smart?


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  • wp socializer sprite mask 32px How to Spend Smart for a Brighter Financial Future
  • wp socializer sprite mask 32px How to Spend Smart for a Brighter Financial Future
  • wp socializer sprite mask 32px How to Spend Smart for a Brighter Financial Future
  • wp socializer sprite mask 32px How to Spend Smart for a Brighter Financial Future
  • wp socializer sprite mask 32px How to Spend Smart for a Brighter Financial Future
  • wp socializer sprite mask 32px How to Spend Smart for a Brighter Financial Future
  • wp socializer sprite mask 32px How to Spend Smart for a Brighter Financial Future

Make Your Life Easier with Target Pharmacy and $50 Target Giveaway #TargetSponsored

By: Donna Chaffins | Date: April 15, 2014 | Categories: Family and Health, Favorites, Information, Shopping
Target Pharmacy Img

Content and/or other value provided by our partner, Target. All opinions are 100% my own and may differ from yours. I will only endorse companies, products and services that I believe, based on my own experiences, are worthy of endorsement. My friends and I were talking around Christmas about how we all shopped at Target […]


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Chocolate Chip Cookie Bars with Chocolate Ganache Topping

By: Donna Chaffins | Date: April 14, 2014 | Categories: Baking and Cooking, Chocolate, Desserts, Food, Recipes

Who doesn’t love chocolate? Okay, I know there are a few people out there that for reasons beyond my understanding don’t, but I know most of you, like me, love chocolate. Sweet, rich, decadent goodness. Sigh. And I don’t know many people, especially children, that don’t love chocolate chip cookies. I know, right? I have […]


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My Favorite iPhone Case #spon

By: Donna Chaffins | Date: | Categories: Gadgets, iPhone, Reviews, Technology
Personalized iPhone Case from Shutterfly

This swoon worthy iPhone case review has been brought to you by Shutterfly. All opinions are 100% my own and may differ from yours. I will only endorse companies, products and services that I believe, based on my own experiences, are worthy of endorsement. If you know me or are a regular reader here at […]


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20 Money Saving Ideas

Money saving ideas

I, like most everybody else, am looking for ways to save money. In my case, we are saving for our son’s college and our retirement. Not to mention that I am just frugal by nature and don’t like to waste money. So I’m always looking for money saving ideas. I’ve found some wonderful sites with […]


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My 5 Passions

By: Donna Chaffins | Date: April 13, 2014 | Categories: Fun, Memes, Random Thoughts and Conversations
what are 5 passions you have

Today’s topic in the “30 Things I Want My Son To Know About Me” is, “What are 5 passions you have?” I thought this question would be tough, but three of the five came to me extremely easily… I had to think a few minutes on the other two. According to the Merriam-Webster, passion is […]


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Blueberry Jar Trifle

By: Donna Chaffins | Date: April 11, 2014 | Categories: Baking and Cooking, Desserts, Food, Recipes
Blueberry jar trifle #recipe via Blog by Donna

I love making pretty individual desserts. They seem so personal and gives the impression that someone took the time to make something special just for you (me). I like trifles and they are perfect to individualize by making them in a jar. Since blueberries are one of the super foods, they make great trifles. I […]


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You can “Ask Hunter” Hayes a Question AND Help End #ChildHunger #spon

By: Donna Chaffins | Date: April 9, 2014 | Categories: Causes, Charities
Conagra-foods-child-hunger-ends-here

This “Ask Hunter” and helping to end child hunger post has been brought to you by TheMotherhood. All opinions are 100% my own and may differ from yours. I will only endorse companies, products and services that I believe, based on my own experiences, are worthy of endorsement. A few weeks ago I shared with […]


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Lettuce Wraps for a Low Carb Diet

lettuce wraps for a low-carb diet

Recently, I’ve been eating a high protein, lower-carb diet. I’m not doing a “low-carb” diet, just cutting back on the carbs a bit, while amping up the protein a bit. One way for me to cut down on carbs is to cut down on bread. I love bread. Just a little too much. As I […]


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Lil Smokie Stuffed Jalapenos with Bacon

By: Donna Chaffins | Date: April 7, 2014 | Categories: Food, Recipes
stuffed jalapenos with bacon appetizer

I was looking for some appetizers that would be perfect for watching the Final Two of March Madness tonight. Go Kentucky! These Lil Smokie Stuffed Jalapenos with Bacon are a great appetizer or anytime snack, and I know we’ll enjoy them tonight while we cheer on the Cats to beat UConn. It’s really simple to […]


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