Loving Littles

family & finance

Avoid Spam With a Disposable Email Address

Photo by G M

Photo by G M

Spend much time on the ‘net? Ever visit a page where you’re required to put in your email address, but feel a little unsure about in whose hands your address will land? Several years ago my brother turned me on to SpamGourmet, a website where you can register for disposable email addresses. You just pick a username, and then any time you need an email address and you’re not sure if you’ll end up with a bunch of spam, you just give out one of these disposable addys. Then, when the company tries to contact you, you still receive their email (SpamGourmet forwards the email on to your regular address), but only for a set number of contacts. Then, after that number is reached the emails will no longer be forwarded on to you.

From SpamGourmet:

The disposable addresses are like:

someword.x.user@spamgourmet.com

where someword is a word you have never used before, x (optional) is the number of email messages you want to receive at this address (up to 20, and the number 3 will be used if you leave it out), and user is your username.

For example, if your user name is “spamcowboy”, and BigCorp wants you to give them your email address (on the web, on the phone, at a store – it doesn’t matter), instead of giving them your protected address, give them this one:

[email protected]
(and [email protected] will work the same way)

This disposable email address will be created here the first time BigCorp uses it (you don’t have to do anything to create it), and you’ll receive at most 3 messages, forwarded to your protected address. The rest will be indelicately consumed.

I always use disposable addresses at sites that require me to register in order to obtain information. For example, recently I wanted to look at a study on how eating dates can affect labor and delivery (seriously!), so I registered with an alternate email address, knowing that it’s unlikely I’ll be back to that site. So far my regular inbox has stayed fairly clean from spam, and I’ve given out over 20 disposable addresses. It’s working!

Budgeting Books

Stamina For Your Race to Financial Freedom

Although the internet is a great resource to get you up and running with a family budget, sometimes a quiet seat with a good book is the best way to lend your financial goals longevity. Absorbing the material from a well-written personal finance book can boost the probability of succeeding at your goal. Some works that I can personally recommend are:

Money, Possessions, and Eternity by Randy Alcorn

An overview of the stewardship of money and possessions through the lens of the Bible, Alcorn’s work gives much needed perspective christians.

The Total Money Makeover by Dave Ramsey

This all-time best-selling book explains how to progress from indebtedness and despair to financial freedom in seven thoroughly explained steps.

The Complete Financial Guide For Young Couples by Larry Burkett

This book is a must-have for any young couple, full of timeless truths. My husband and I read this guide as newlyweds and it provided a solid foundation for wise spending, saving, and investing.

Why a book?

Although there are plenty of good and free online personal finance resources, sometimes a book brings a renewed focus that isn’t so easily acquired through simpler sources. A book can be lended to a friend in a similar situation, providing for instant camaraderie (which also increases the likelihood of achieving your goals).

 

brokeGIRLrich

Budgeting Basics

Photo curtesy of SeniorLiving.org

Photo curtesy of SeniorLiving.org

One of the single most important skills a family can have in this day and age is a basic knowledge of budgeting. Why? Budgeting removes doubt. Back in our grandparent’s day a budget was important, but physically transferring cash for goods created a natural atmosphere of wise economy and they found the balance between spending and saving to be a natural aspect of their daily lives. Fast forward to the frenzied, information-soaked culture we are planted in today, with its credit cards, data transactions, lack of cash, and easy credit. You can quickly see how learning to budget is even more important than it was 30 years ago.

How do I budget?

At its simplest, budgeting means making sure that the amount of money you earn is more than the amount of money you spend. Reversely, it’s ensuring that you spend less than you make. The actual budgeting process involves making a list of expenditures, keeping in mind that the total of those expenditures must be less than your expected income for the month. Notice I say that expenditures must be less than your expected income, not equal to. That’s because our brains are typically prone to overspending. We might say, “I’m going to budget $100 for food, and if I only spend $90 then I’ll have saved $10 for the month”, but in reality most of us will spend that entire $100 amount. That’s why, when budgeting, it’s imperative that you plan to save.

For excellent budgeting forms, check out Dave Ramsey’s budget forms. Dave is an expert at helping people budget and avoid debt while keeping in mind human psychology. As you create your budget, make sure that your expenditures are less than your income (I’d suggest starting with a $20 margin if your budget is tight). Remember, plan to save.

Budgeting Tips

  1. Don’t be unrealistic when stating your expenses. For example, if it costs $1200 each month to feed your family, don’t write in $900 expecting to magically save 300 bucks with a little will power and a colossal bag of rice. After examining the overview of your actual expenditures you can make a plan and adjust accordingly.
  2. Don’t adjust all of your spending categories at once. If you’ve written down all of your expenditures and you find that you’re overspending your income, pick one category that you can realistically reduce. The food allocation is typically the first category that families adjust when attempting to balance their budget. Set a realistic goal for that category and then live within it for a month. The following month, choose another category to adjust (“entertainment” and “clothing” are good options).
  3. Don’t forget to make a plan as to how you’re going to reduce your spending in whichever category you’ve chosen. For example, if you’re aiming to spend less on food, make a meal plan for the month and adjust your shopping list accordingly. If you’re trying to spend less on clothing, consider making a list of clothing needs and then shopping at the local thrift store.
  4. Don’t expect to succeed if your income is drastically less than your bare minimum expenses. If you’ve already cut your expenses, sold every possession that’s not essential and still can’t make ends meet, you’ll need to create a larger income.
  5. If you’re married, it is imperative that both spouses create and oversee the budget together, each with an equal say as to the distribution of income.

Although it might sound like a restrictive process, creating a budget is actually a very freeing experience. There is joy in knowing where each dollar is being spent. When you know that your finances are under control you’ll find your steps to be lighter and your stress reduced.

Dave Ramsey Envelope System Sale!

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Photo by Tim Morgan.

Only through Friday, September 26th, all Dave Ramsey Envelope Systems are on sale starting at just $10. These specialized wallets include separate envelopes for each budget category. These tools make it easy to switch to a cash only budgeting system, the fastest and surest way to keep from overspending. Just remember to create your budget first, label each envelope with an amount, and off you go. I haven’t specifically used Dave Ramsey’s envelope system, but I have used Crown Financial’s, which is very similar. We used the system for several months, until my mommy brain began to leave the wallet behind in stores. Thankfully it was always returned, but we ended up switching to a digital system (which I’ll detail for you in the future).

Cloth Diapering Baby With Pocket Diapers: a Popular Choice

PocketClothDiaper

Pocket Diapers are the Beloved Workhorses of the Cloth Diapering World

A popular cloth diaper, this style is easy to use. Each diaper need only be stuffed with an insert and then fastened on baby. When stuffed prior to use, these are grab and go in their simplicity. Add a disposable liner for solids, and your diaper routine can be further simplified. Pockets hold a special place in my heart as the first cloth diapers that I tried after starting off with prefolds and covers. These are still my go-to diapers for my toddler, as they are easy to stuff with double inserts.

What are pocket diapers?

Pocket cloth diapers consist of a waterproof cover sewn onto a layer of fabric, with an empty “pocket” created in between the two layers. This pocket is then stuffed with inserts consisting of various natural or microfiber which have been sewn into an elongated rectangle shape. The diaper is then attached to baby in a similar manner as disposable diapers, using either snaps or hook-and-loop closures.

What are the benefits of pocket diapers?

Compared to other other cloth diaper options, pocket diapers offer greater customizability for the parent and stay-dry comfort for baby. The majority of pocket diapers are sewn with either a micro fleece or micro suede inner layer. This layer draws wetness away from baby and into the absorbent diaper insert. Many parents like this function of the diaper because it allows baby a dry feeling similar to disposables. If your baby is sensitive to synthetic fabrics, some manufacturers make a pocket diaper with a natural inner. In addition to their stay-dry potential, pocket diapers are customizable. The level of absorbency of the diaper can be changed depending on the plurality and fiber choice of the inserts. For example, a microfiber insert is very absorbent and cost-effective. Hemp inserts are more expensive, but are thinner, resulting in less of a fluffy bum. Cotton (easy to wash) and bamboo (thin and ecologically friendly) are also commonly used as inserts.

Drawbacks to Using Pocket Cloth Diapers

Having used pocket style cloth diapers for nearly 10 years, I can say that my two primary concerns are with the difficulty in cleaning microfiber inserts, and having to pull the inserts out in order to wash them. During my early years of cloth diapering my top-loading washing machine easily agitated the inserts out of the diapers during the wash cycle. However, upon switching to a newer model of top-loader in the last couple of years, the inserts no longer climb out of the pockets on their own. Now I have to physically pull the inserts out after the wash cycle. Some parents prefer to remove the inserts from the pocket before putting them into the diaper pail. I’ll do that with diapers that are merely wet, but if my 2 year old pooped in that diaper, there is no way that I am going to go digging for an insert! In addition to digging for inserts, I find that microfiber in general is difficult to get truly clean. Those grabby, tiny, woven fibers do a great job clinging to moisture. That makes them fantastic as an absorbent layer. However, those same properties work against microfiber when it comes to convincing them that it’s time to let go of all of their catch. I find that I must always wash my microfiber inserts twice (a big consideration if you don’t own your own washing machine or are trying to conserve water) in order to get them clean. Additionally, I typically strip my diapers a few times a year to help get rid of residual soap residue. If cleaning microfiber inserts is proving to be a problem, cotton inserts (even pad folded flat diapers) can be used instead. Cotton is typically much easier to clean, and single layer flat birdseye cotton diapers will come out of most washers sparkling clean.

Pocket Diapers are a Popular Choice

Pocket diapers are by far the most popular choice for cloth diaper consumers. Parents love the ability to adjust their absorbency depending on the need, and once stuffed with an insert, it is as easy to use as a disposable (particularly if you opt for hook and loop instead of snap closures). Dads and grandparents appreciate this ease of use. If you’re looking for a cloth diaper whose absorbency is easily customized, and you don’t mind pulling out inserts before washing (or you have a washing machine that will agitate them out), then pocket diapers may be a good choice for you. Just keep in mind that you might need to adjust your washing routine to get your microfiber inserts clean, or consider using the cotton variety

How to Use Pocket Diapers

Step-by-step instructions to demystify the use of pocket cloth diapers:

  1. If using a one-sized pocket diaper, snap the front of the diaper down to the proper size for your baby.SnappedDownPocketDiaper
  2. Stuff insert into the pocket of the diaper by grabbing one end of the insert and sliding your closed hand into the pocket until you reach the end of the enclosure. Release your grasp on the insert and remove your hand from the diaper, leaving the insert inside the pocket.PocketClothDiaperInsert
  3. Adjust the insert if necessary to allow it to lie flat inside the pocket, and place a disposable liner on top of the inner layer if desired.DisposableLiner
  4. Lay baby on top of the diaper and fasten securely. Make baby giggle. You’e done!

Well Known Pocket Diaper Brands

One of the best known pocket diapers are called Bumgenius diapers. These are the diaper pictured in this article. I have used this brand for several years and they are the best I have found for fit, ease of use, and durability. I’m still using Bumgenius pocket diapers that I’ve had for 5 years (and 3 kiddos ago!). I much prefer the snap versions for durability, as the velcro tends to lose effectiveness after 2 years of heavy use. No matter which brand you choose, you won’t regret trying out pocket cloth diapers on your little angel!

 

 

All photos, unless otherwise attributed, are property of Loving Littles.

 

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