Saving Money

Family finance tips

At Gerber Life we know the value of a hard-earned dollar. And when you're raising a family, it becomes even more important to stretch that dollar as far as it can go to help you save money. Our family finance tips can help you make smart decisions for spending your money as well as help you make use of opportunities to save it. Whether it's clipping coupons before grocery shopping or throwing a do-it-yourself (DIY) children's birthday party, our family finance tips can help you think outside the box so that you can save money.

  1. Retirement Savings Guidelines: How Much Should You Save and by When?

    Elderly couple working on financesRetirement can mean different things to different people, but one aspect remains constant: having some kind of retirement savings in order to pay your living expenses if you will no longer receive a paycheck or other income.

    Determining how much to save for retirement can be tricky and will vary from person to person. You can use the following steps as a guide to figure out how much to save at each stage of your life.

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  2. Some Typical Retirement-Planning Mistakes to Avoid

    Senior couple at beachPerhaps you’re looking forward to retirement, with thoughts of being able to spend more time with family, catch up on reading, start a new hobby, pursue another line of work, and go back to school to get an advanced college degree, or travel to islands somewhere in the sun.

    To help ensure that your retirement goes according to plan, it’s important to prepare properly, which is not always an easy task. In addition to financial considerations, a number of stumbling blocks can hinder your chance to attain a satisfying retirement.

    Here are some typical retirement-planning mistakes to try to avoid:

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  3. Quick Ways to Cut Back Your Budget

    Man doing finances at homeWe all need to reign in our budget at times, perhaps because we lose an income source or want to make a big purchase, such as a home or a car. Whatever the reason, realizing the need to spend less is the easy part. Finding where you can afford to cut back is much more of a challenge, especially if you’re already on a tight budget.

    Consider these tips for how to cut your budget:

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  4. How to Save Money on Your Child’s Extracurricular Activities

    Mother with daughter and sonParents tend to want their children to be well-rounded both scholastically and with extracurricular activities, from sports to the arts to community service, in order for each child to grow as a person and best contribute to society.

    When a child begins participating in extracurricular activities, however, parents quickly realize something else: Activities can become expensive. Sports equipment, music lessons, art supplies, dance attire, and club or team costumes and trips don’t come cheap.

    If you’re concerned about your child’s extracurricular activities putting a dent in your budget, consider these tips:

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  5. Low-cost Ways to Transform a Child’s Room into a Teenager’s Room

    Teenager’s bedroomIf your child has his or her own bedroom, he or she eventually will outgrow its décor and style and ask for a change. Perhaps your son now wants to give away the fire trucks proudly displayed all around his room, or perhaps your daughter — who was once mesmerized by astronomy — now wants to trade her glow-in-the-dark wall decals for a Taylor Swift poster.

    When that time comes, and with a little imagination and creativity, you’ll find some relatively easy and inexpensive ways to transform your child’s room into a room fit for a teen.

    Here are some teenage bedroom ideas that can make both you and your child happy:

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