The Only Monthly Money Saving Challenge you Need for 2021

The end is near! The final few days of 2020 are in front of us and while we know nothing magical is going to happen when we change that calendar, it is a time for us to enter into the mentality that we have a fresh start and a new year to tackle. 2021 is going to be a big year personally for us financially. We have just a few more mortgage payments until we own our home free and clear. We've taken our 30-year mortgage and paid it off in 10 years. 
Financial goals are important to have but they aren't tackled in one big bite, you have to slowly chew at them. 2020 has been a year of adjustment and change and uncertainty for all of us, but it's also brought growth and perspective. Money-saving and frugal living has always been a part of our lifestyle and I hope that in the past decade of posts at RachelTeodoro.com you can see that reflected. I am going to be using 2021 to be more intentional about sharing practical tips and monthly challenges so that we can walk together on this journey. Do you want to see what is in store for the first five months?

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How to Teach Teenagers About Money

For many teens, they are shocked to realize how expensive things are in the real world. After years of not being able to have a job, and then thrust into a world where they need to manage money, this can be a difficult transition. It’s important to teach your teenager about money to help them make more responsible decisions with their finances when they leave the nest. Here is how to teach your teenager about money.

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Travel the World without Leaving the United States-9 US Cities Full of European Charm

Tired of being cooped up at home and dreaming of a land far far away? Want to use that passport but travel abroad is not a possibility at the moment? Then get ready to get a taste of the European culture and head to any of these charming U.S. cities and towns that are full of European charm. From towering flowery fields, thatched rooftops, and gingerbread-style architecture, you definitely don’t have to travel far to feel like you’ve transported yourself to another world.

Alys Beach, Florida

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Top 10 Reasons People Overspend

People overspend for a multitude of reasons. However, some people aren’t even aware that they are overspending! Accidents happen, and we can bust our budget from time to time, but I noticed that the top reasons people overspend are rarely an accident! Here are the top ten reasons people overspend.

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Sour Cherry Mocktail Drink Recipe

I've got a festive and fun sour cherry mocktail recipe that will make this holiday season feel extra special. It's the perfect bubbly mix to make for friends and family who want to celebrate without alcohol this season. Don't miss this delicious and easy recipe everyone will love!

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Towns in the US that have the Same Charm as Waco, Texas

Everyone knows the story of Chip and Joanna Gaines working their way around Waco, Texas flipping houses. While it might seem like there isn’t a place on earth quite like Waco, Texas, there are still plenty of towns that are just as charming as this Fixer Upper paradise. There are plenty of cities where you can easily get your own Fixer Upper and have that same small-town charm. Here are the best cities and towns in the U.S. with the same charm as Waco, Texas to make you feel like you’re in Waco.

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Turtle Holiday Hot Cocoa Bombs

Hot chocolate bombs are literally the HOTTEST thing right now. Ask your teen or young adult if they've heard of them and I'll bet you they have! Hot chocolate bombs are simply just chocolate spheres filled with hot chocolate mix and your favorite variations of hot cocoa stir ins. You release the bomb into a mug and pour steaming hot milk over the top and watch the chocolate melt away and the insides open up to create the most fun hot cocoa you've ever had! These are so much fun to make and they make great gifts too! Here is everything you need to know to make your own hot cocoa bombs. This one comes with a little turtle {caramel and walnut YUM!} twist.

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The Cricut Holiday Gift Everyone Wants Under the Tree!

I got a cutting machine as a Christmas gift ten years ago! As an adult, there aren't many gifts that I hope for, but a cutting machine was one of those I hoped to find under the tree. It literally changed my crafting game. I learned how to vinyl all the things, to make custom invitations for birthdays, designed shirts and clothing for basically any event, and cut out everything from paper for science fair posters to leaves I used to create DIY wreaths. 
I couldn't imagine not having a cutting machine. It's like a workshop not having a hammer or a screwdriver. And honestly, you don't even have to consider yourself crafty to use a cutting machine. The biggest game-changer for me this year though has been getting a Cricut Joy. If you have ever thought getting a cutting machine would be a good idea, or even if you have a larger traditional machine like the Cricut Maker, the Cricut Explore, or even the Silhouette Cameo, I'm going to lay it all out there so you can clearly see why the Cricut Joy is the holiday gift everyone {should} wants under the tree.

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