Seattle Mazda

We Make Money Work In Your Favor

This content shows Simple View

date night

8 Ways to Save Money on Date Night

Whether you’re cozying up on the couch together with a bottle of wine or headed out to the trendy restaurant everyone’s talking about, date night is an essential part of most relationships.

“Date nights are important because they give new couples a chance to get to know each other and established couples a chance to have fun or blow off some steam after a rough week,” says Holly Shaftel, a relationship expert and certified dating coach. “Penciling in a regular date can ensure that you make time for each other when your jobs and other aspects of your life might keep you busy.”

Finding ways to spend less on date night can be easy if you're willing to be creative.

There’s just one small snag. Or, maybe it’s a big one. Date nights can get expensive. According to financial news website 24/7 Wall St., the cost of an average date consisting of two dinners, a bottle of wine and two movie tickets is about $102.

When you’re focused on improving your finances as a couple, finding ways to spend less on date night is a no-brainer. But you may be wondering: How can we save money on date night and still get that much-needed break from the daily grind?

There are plenty of ways to save money on date night by bringing just a little creativity into the mix. Here are eight suggestions to try:

1. Share common interests on the cheap

When Shaftel and her boyfriend were in the early stages of their relationship, they learned they were both active in sports. They were able to plan their date nights around low-cost (and sometimes free) sports activities, like hitting the driving range or playing tennis at their local park.

One way to save money on date night is to explore outdoor activities.

If you’re trying to find ways to spend less on date night, you can plan your own free or low-cost date nights around your and your partner’s shared interests. If you’re both avid readers, for example, even a simple afternoon browsing your local library’s shelves or a cool independent bookstore can make for a memorable time. If you’re both adventurous, check into your local sporting goods stores for organized hikes, stargazing outings or mountaineering workshops. They often post a schedule of events that are free, low-cost or discounted for members.

2. Create a low-budget date night bucket list

Dustyn Ferguson, a personal finance blogger at Dime Will Tell, suggests using the “bucket list” approach to find the best ways to save money on date night. To gather ideas, make it a game. At your next group gathering, ask guests to write down a fun, low-budget date night idea. The host then gets to read and keep all of the suggestions. When Ferguson and his girlfriend did this at a friend’s party, they submitted camping on the beach, which didn’t cost a dime.

.block-quote_5back background-image: url(https://865cd2fc18498405a75a-f8cbe8cb758c89f0cd738fe08520ecb9.ssl.cf5.rackcdn.com/online-banking/banking-topics/wp-content/uploads/2017/09/5back-730×500.jpg); @media (min-width: 730px) .block-quote_5back background-image: url(https://865cd2fc18498405a75a-f8cbe8cb758c89f0cd738fe08520ecb9.ssl.cf5.rackcdn.com/online-banking/banking-topics/wp-content/uploads/2017/09/5back-1600×600.jpg);

The cost of an average date consisting of two dinners, a bottle of wine and two movie tickets is about $102.

– Financial news website 24/7 Wall St.

To make your own date night bucket list with the best ways to save money on date night, sit down with your partner and come up with free or cheap activities that you normally wouldn’t think to do. Spur ideas by making it a challenge—for instance, who can come up with the most ideas of dates you can do from the couch? According to the blog Marriage Laboratory, these “couch dates” are no-cost, low-energy things you can do together after a busy week (besides watching TV). A few good ones to get your list started: utilize fun apps (apps for lip sync battles are a real thing), grab a pencil or watercolors for an artistic endeavor or work on a puzzle. If you’re looking for even more ways to spend less on date night, take the question to social media and see what turns up.

3. Alternate paid date nights with free ones

If you’re looking for ways to spend less on date night, don’t focus on cutting costs on every single date. Instead, make half of your dates spending-free. “Go out for a nice dinner one week, and the next, go for a drive and bring a picnic,” says Bethany Palmer, a financial advisor who authors the finance blog The Money Couple, along with her husband Scott.

.post__breaker–7299 background-image: url(https://865cd2fc18498405a75a-f8cbe8cb758c89f0cd738fe08520ecb9.ssl.cf5.rackcdn.com/online-banking/banking-topics/wp-content/uploads/2019/03/8-Ways-to-Save-Money-on-Date-Night_4-FULL-450×200.jpg);@media (min-width: 450px) .post__breaker–7299 background-image: url(https://865cd2fc18498405a75a-f8cbe8cb758c89f0cd738fe08520ecb9.ssl.cf5.rackcdn.com/online-banking/banking-topics/wp-content/uploads/2019/03/8-Ways-to-Save-Money-on-Date-Night_4-FULL-730×215.jpg); @media (min-width: 730px) .post__breaker–7299 background-image: url(https://865cd2fc18498405a75a-f8cbe8cb758c89f0cd738fe08520ecb9.ssl.cf5.rackcdn.com/online-banking/banking-topics/wp-content/uploads/2019/03/8-Ways-to-Save-Money-on-Date-Night_4-FULL-992×400.jpg); @media (min-width: 992px) .post__breaker–7299 background-image: url(https://865cd2fc18498405a75a-f8cbe8cb758c89f0cd738fe08520ecb9.ssl.cf5.rackcdn.com/online-banking/banking-topics/wp-content/uploads/2019/03/8-Ways-to-Save-Money-on-Date-Night_4-FULL-1200×400.jpg); @media (min-width: 1200px) .post__breaker–7299 background-image: url(https://865cd2fc18498405a75a-f8cbe8cb758c89f0cd738fe08520ecb9.ssl.cf5.rackcdn.com/online-banking/banking-topics/wp-content/uploads/2019/03/8-Ways-to-Save-Money-on-Date-Night_4-FULL-1600×400.jpg);

4. Have a date—and get stuff done

Getting stuff done around the house or yard may not sound all that romantic, but it can be one of the best ways to save money on date night when you’re trying to be budget-conscious. And, tackling your to-do list—like cleaning out the garage or raking leaves—can be much more enjoyable when you and your partner take it on together.

5. Search for off-the-wall spots

If dinner and a movie is your status quo, mix it up with some new ideas for low-cost ways to save money on date night. That might include fun things to do without spending money, like heading to your local farmer’s market, checking out free festivals or concerts in your area, geocaching—outdoor treasure hunting—around your hometown, heading to a free wine tasting or taking a free DIY class at your neighborhood arts and crafts store.

“Staying creative allows you to remain flexible and not bound to simply doing the same thing over and over,” Ferguson says.

6. Leverage coupons and deals

When researching the best ways to save money on date night, don’t overlook coupon and discount sites, where you can get deals on everything from food, retail and travel. These can be a great resource for finding deep discounts on activities you may not try otherwise. That’s how Palmer and her husband ended up on a date night where they played a game that combined lacrosse and bumper cars.

Turn to coupons and money-saving apps for fun ways to save money on date night.

There are also a ton of apps on the market that can help you find ways to save money on date night. For instance, you can find apps that offer discounts at restaurants, apps that let you purchase movie theater gift cards at a reduced price and apps that help you earn cash rewards when shopping for wine or groceries if you’re planning a date night at home.

7. Join restaurant loyalty programs

If you’re a frugal foodie and have a favorite bar or restaurant where you like to spend date nights, sign up for its rewards program and newsletter as a way to spend less on date night. You could earn points toward free drinks and food through the rewards program and get access to coupons or other discounts through your inbox. Have new restaurants on your bucket list? Sign up for their rewards programs and newsletters, too. If you’re able to score a deal, it might be time to move that date up. Pronto.

8. Make a date night out of budgeting for date night

When the well runs dry, one of the best ways to save money on date night may not be the most exciting—but it is the easiest: Devote one of your dates to a budgeting session and brainstorm ideas. Make sure to set an overall budget for what you want to spend on your dates, either weekly or monthly. Having a number and concrete plan will help you stick to your date night budget.

.block-quote_1back background-image: url(https://865cd2fc18498405a75a-f8cbe8cb758c89f0cd738fe08520ecb9.ssl.cf5.rackcdn.com/online-banking/banking-topics/wp-content/uploads/2017/09/1back-730×500.jpg); @media (min-width: 730px) .block-quote_1back background-image: url(https://865cd2fc18498405a75a-f8cbe8cb758c89f0cd738fe08520ecb9.ssl.cf5.rackcdn.com/online-banking/banking-topics/wp-content/uploads/2017/09/1back-1600×600.jpg);

“Staying creative allows you to remain flexible and not bound to simply doing the same thing over and over.”

– Dustyn Ferguson, personal finance blogger at Dime Will Tell

Ferguson says he and his girlfriend use two different numbers to create their date night budget: how much disposable income they have left after paying their monthly expenses and the number of date nights they want to have each month.

“You can decide how much money you can spend per date by dividing the total amount you can allocate to dates by the amount of dates you plan to go on,” Ferguson says. You may also decide you want to allot more to special occasions and less to regular get-togethers.

Put your date night savings toward shared goals

Once you’ve put these creative ways to save money on date night into practice, think about what you want to do with the cash you’re saving. Consider putting the money in a special savings account for a joint purpose you both agree on, such as planning a dream vacation, paying down debt or buying a home. Working as a team toward a common objective can get you excited about the future and make these budget-friendly date nights feel even more rewarding.

The post 8 Ways to Save Money on Date Night appeared first on Discover Bank – Banking Topics Blog.

Source: discover.com



How to Talk About Money With Your Spouse or Partner

The post How to Talk About Money With Your Spouse or Partner appeared first on Penny Pinchin' Mom.

talk about money with your spouse

If you are in a relationship, you talk.  You communicate about the kids, what to have for dinner, your in-laws, where to go on vacation.  However, do you talk about your finances?  More importantly, do you discuss your budget?

When we were first married, my husband and I pretty much just let me take care of the finances.  We didn’t really ever talk about it.  I guess we both assumed (and you know what happens when you do that), that we were doing OK and that as long as the bills were being paid, we were doing well.

When we decided to begin our own debt free journey in 2007, we realized then, how much we were not talking about our overall financial picture.  He didn’t realize we had some of the debts, which upset him and I in turn was upset that he didn’t realize how badly we had gotten into debt.  It was then that we figured out one key step to have a budget and financial plan to work is to communicate.  You can’t have one without the other.

I actually had a reader share this with me on Facebook, and I think it says so much about what many go through financially.

7 years ago, I started having anxiety attacks about money. I had handled all household expenses until that time, and had a budget so specific, even my husband’s cigarettes had their own line in the spreadsheet. None of our utilities had been shut off. Everything was paid on time or in advance. 

I had to hand everything over to my husband. Not just because of the anxiety (I would physically throw up while our bank account was loading on the web page), but also because I needed him to learn how to manage if for some reason I was no longer around. He didn’t use my spreadsheet, but did well for 6 years. Sure, now and then we would have no water or electric because he simply forgot to pay the bill. But he would immediately call and get it taken care of. 

The last 12 months, something went wrong. And he didn’t want to tell me. So he pretended everything was fine. And it wasn’t. Our electric got shut off, and I had to borrow money from a very close friend to get it turned back on. That was embarrassing enough, but then 2 weeks after my father passed away, my 20 month old car got repossessed. Three months behind in payments, and I didn’t know. It was in his name, so he got all the phone calls, all the letters. 

A week after that, our landlord knocked at the door. Two months behind in rent.  How did this happen? How did it get this bad? He didn’t know. I have no clue. 

So I drew up a spreadsheet 4 weeks ago. Listed out everything. Overestimated electric and water, and also phones just in case I had an international call or text. I told him which services needed to be reduced and gave him no room for negotiation (goodbye, premium cable channels).   

Sadly, we were unable to “save” my car. My oldest child knew that it was going to be his first car, as it would be paid out a year before he was to start driving. It was my plan to give my children a car this way, which my parents were never able to give me. He has wide open eyes now. I hate that it happened, but what a great opportunity to teach my son, almost first hand. And I told him, “this is what happens when you don’t make your payments, things get taken away.” He was shocked, and asked a lot of questions. I believe in teaching moments and being honest, so I answered them honestly. 

My husband made a catch-up plan with our landlord. Thankfully, the landlord is working with us. It could’ve been so different.  And only 4 weeks since our spreadsheet has come into play, we have managed to get another vehicle, and all bills are caught up. By the end of February, we will be slightly ahead. 

A budget is so important! (And so is communication.)

I admire this reader for not only sharing her experiences with me, but allowing me to share them with all of you.  I hope it helps you realize that you are not alone and what can actually happen to someone if you don’t talk about your finances.

 

SET A “DATE” NIGHT

Unfortunately, this date night isn’t the type you will probably like.  Set up a date with your spouse (or significant other) at least once a month (twice can be even better).  The two of you need to look over your budget together (learn more about setting up a budget).  Take time to examine your debts, if you have any.  Look over your bank accounts and financial statements.

The rule my husband and I have set is that we are not allowed to raise our voices when we talk money.  It can easily make you feel anxious and/or upset, but yelling at one another will not fix anything.  If we find we are getting upset for any reason, we take a minute, calm down and then continue our talk as rational adults.  We’ve been able to make some great decisions by making sure our emotions are not directing our finances.

This helps you both know exactly where you stand, financially.  You will see where your money is being spent and if you need to make changes to your budget, you can do so together.  If you find that you are running short to cover the rent or the car payment, you will both know about and can work together to make the changes necessary to ensure you don’t get behind.

Not only do you get an overall picture, you both know where to find documents.  Make sure that you both know the passwords for your financial institutions (if you’ve changed them).  Take a minute and talk about these important issues, should the need arise for one of you to take over and cover this part of your relationship (in the instance of an accident or unexpected trip due to work, etc).

As in the case of our reader above, failure to communicate can result in less than pleasant endings.  Setting up the time to talk to one another makes all the difference.  If you don’t talk about finances, you can build up resentment (or other feelings) against one another.  Just keep your lines of communication open to ensure you can achieve your financial goals —- together!

Need help setting up your own budget?  Make sure you read more about How to Create a Budget That Works!!

The post How to Talk About Money With Your Spouse or Partner appeared first on Penny Pinchin' Mom.

Source: pennypinchinmom.com



What to Do this Weekend: Date Night In Ideas

Date-night-in

We are a month and a half into quarantine and date nights in many households have devolved into, ‘What have we not seen on Netflix yet?’  While we are all ready to get back out and about, there are plenty of fun date night at home options to help you enjoy and appreciate your partner.  This post is partially inspired by the fact that we are celebrating our wedding anniversary tonight and I was already doing so research on what to do this weekend.  I figured if I was already doing the work, I might as well share the wealth with you all!  

Check out a few of our best date night in ideas

Name that Tune

This really is a fun activity that we typically do on road trips, but it works just as well for date night.  Play each other your favorite songs from different eras or events in life.  

What song was popular when you went to your first school dance?  Did you ever learn a choreographed dance to a song?  What was it?  What was your first favorite country/hip hop/punk song?  Did you ever dedicate a song to someone on the radio? Make a mixtape?  First breakup/heartbreak song you listened to 100 times?

Music is such an integral part of our memories.  It is sure to bring out some great stories from your partner that you have never heard before and some great stories from your past that you may have completely forgotten about. All you really need is a Spotify account, your beverage of choice!

Wine Tasting

This is an amusing challenge for the nose and tastebuds.  Taste three (or five–no judgment here) wines and figure out which is which based solely on the tasting notes….you know the ‘hints of pencil lead and cranberry.’  This can be made romantic with dim lights and some candles or you can make this more upbeat with some fun background playlists.

Optional additions to make the night more festive: Cheeses, nuts, olives, crackers, honey

Minute to Win It

Impress each other with feats of strength and balance.  This is an evening bound to be full of laughter.  Check out this video for inspiration! Challenges include…

  • Face the Cookie.
  • Stack Attack.
  • Movin’ On Up.
  • Junk in the Trunk.
  • Suck It Up.
  • Penny Hose.
  • Ping Pong Bounce.

Sweets for Sweethearts

Bake together…even if neither of you is an expert in the kitchen, learning something new together is good for relationships!

Here are some recipes that have videos to go along with them

For easy cooking try these 3 Ingredient Desserts

For all those ripe bananas on your counter

For when you can only be trusted with the microwave

20 Questions

It sounds silly, but this really can be a learning experience. If you’ve been together you may think you know all the answers…but remember people’s tastes and preferences change.  Do you really know that sweet tarts are still his favorite candy? Or is Paris still her number one destination? The answers could surprise you!

Double Date 

Yes! This is actually possible via Netflix Party.  Pick a movie ahead of time, grab the popcorn and candy and chat with your favorite duo.  

Take a trip down memory lane

Look at each other’s pictures from your favorite vacation together.  You’ll be surprised to see the vacation through their eyes and their memories.  You can relive the best times together and appreciate it in a whole new way.  Bring in even more sensory memories by adding a favorite food or drink you discovered during that trip.

Or Take a Virtual Trip

Ever wonder what Venice is like during lockdown?

Join Travel Curious on their next tour with your Venetian born guide, Luca, who will take you on a live virtual walking tour of Venice and will end up in the Venetian mask-maker artisan shop. 

Join for free on their Instagram Live feed on May 15 2020 at 15:00pm BST / 10:00am EST

https://www.instagram.com/travelcurioustours/?hl=en

Read What to Do this Weekend: Date Night In Ideas on Apartminty.

Source: blog.apartminty.com




top