These 20 gifts are guaranteed to delight, and they’re all $100 or less. Some are even less than $20.

Kamik Jennifer Rain Boots
$64.99 at Kamik.com
If she’s not one for jumping in puddles, that’ll change once she steps into these cute boots. She’ll love the comfort and the classic style, and they’re available in five colors.

Terrace Jewelry Organizer by Umbra
$29.99 at ContainerStore.com

Mom has collected lots of baubles and bangles over the years and they’re all in a tangle. This three-tier lined wooden box offers a smart storage solution for her earrings, rings, necklaces and even her reading glasses. Drawers can slide out for display or remain neatly stacked.

Grow Oya
$24.95 and up at growoya.com

This clever clay receptacle waters thirsty plants with minimal effort. The Oya is buried in the garden for spring and summer and periodically filled with water. The plants in the vicinity draw the water they need. Because there is less surface watering, weeds are less likely to germinate. Available in three sizes. Wondering what to plant? You can grow these five groceries in your garden.

Tea Forte Rejuvenation Gift Set
$55 at TeaForte.com

If she needs a little “me” time, this gorgeous set will provide just that. In a beautiful gift box, she’ll find 10 green tea infusers, an 8-ounce porcelain cup and a tea tray, perfect for a peaceful and delicious afternoon tea. Is coffee more mom’s taste? These four credit cards are great for coffee lovers.

The Stylestring Classic String Collection
Price: $68 at TheStylestring.com

If mom has (or needs) a little edge, a Stylestring is the ideal accessory. Available in four colors, this versatile, vegan leather strand can be worn seven ways, including as a belt, bracelet and headband. She’ll love mixing it up every day.

Planted in Beauty Starter Kit
$25 at WellWithinBeauty.com

Treat your mom to healthy skin with this set of six organic skin care products that are chemical- and toxin-free. These skincare products are packed with the highest quality plant-based ingredients, which encourage collagen production and protect her skin from environmental stressors.

Reversible Tote Purse
$9.36 at Walmart

The roomy tote will take her from the gym to brunch to the farmer’s market. It’s reversible so she can wear each color as the mood strikes, and best of all, it’s less than $10. Available in several color combinations.

OneLeg
$45 and up at OneLegUSA.com

This ergonomic stool will allow her to tend to her garden in comfort. She can sit and move easily while staying close to the ground and to her plants. Available in four different sizes and seven colors.

Meori Foldable ‘Mom Box’
$35 at US.meori.com

An essential for the mom who needs her own special storage space for the car, the home office or a closet. With “Mom Box” emblazoned on the side, no one is going to mess with her stuff. Collapsible when not in use.

Atlas Coffee Club
Starting at $14 a month at AtlasCoffeeClub.com

Treat your adventurous Mom to a new coffee each month. As a member of Atlas Coffee Club, she’ll receive a monthly shipment of a coffee from a different part of the world, from the Costa Rica to Ethiopia. Each bag has its own beautiful packaging and cultural information. She’ll think of you each day as she brews a cup.

artnaturals Bluetooth Oil Diffuser
$49 at artnaturals.com

A blend of tech and Zen, this Bluetooth diffuser will scent the air with a fragrance of her choosing, play her favorite playlist, bathe the room in soft, colorful light and function as an alarm clock. Add a set of 16 essential oils, including cinnamon leaf, sweet orange and frankincense for $29.

Fischer & Wieser Make Mom’s Life Easier Gift Basket
$74.95 at Jelly.com

Sometimes, the most thoughtful gift is to make mom’s life easier. This basket is filled with “Mom’s” tasty sauces and seasonings from Fischer & Wieser. They’ll come in handy when she needs to whip up a quick, delicious meal. They’re preservative- and gluten-free.

Lano Lips Hands All Over Tinted Balm Trio
$41 at Net-a-porter.com

One for the kitchen drawer, one for the car, one for her purse. If she’s prone to dry lips, these will be her new go-to balms, as they soothe and nourish even the driest lips, thanks to ultra medical grade lanolin. The three tints offer just a hint of color for a little lift on the go.

Glamma Stemless Wine Glass
$14.95 at Papyrusonline.com

Your glamorous grandma needs her own special wine glass. This stemless glass is decorated with “Glamma” in gold foil and comes in a pretty, floral box, ready for gifting.

V-MODA Forza In-Ear Headphones
$100 at V-Moda.com

If she’s using old earbuds for phone calls and music, maybe it’s time for an upgrade. These durable, high-res earbuds deliver great sound for calls and tunes and come with a variety of fittings, sport fins and ear hooks to ensure perfect fit and comfort. They are available in orange, white and black with their own pouch. And if you want to go one step further, 3D printed, color and finish customization is available for an additional fee.

Salt of the Earth Bakery ‘The Whole Shebang’
$37 at TheGrommet.com

With flavors like coffee-infused “The Kona” to the decadent “The Chocoholic,” this box of cookies and brownies will have her grinning ear to ear. The treats are made with sea salts from around the world, for just the right touch of sophistication. The Whole Shebang includes three cookie flavors and three brownie flavors, with plenty to share.

Wahl Hot & Cold Custom Body Therapeutic Massager
$43.23 at MaxWarehouse.com

From a sore back to tightness in the shoulders, everyone has their share of aches and pains. Help mom find sweet relief with this hand-held massager. With variable speeds and seven attachments, including hot, cold and facial, she’ll be feeling better in no time.

Lorena Canals Leaf Baskets
$46 at LorenaCanals.us

This beautiful, cotton rope basket offers stylish storage for anything from yarn to magazines to toys. Soft and machine-washable, these baskets are available in Terracota, Natural and Green to suit her decor.

Philosophy Cleanse, Peel, Treat Trial Kit
$55 at Philosophy.com

If she’s been bemoaning dull skin, three simple steps will have her skin looking glowing, fresh and healthy in minutes. Cleanser and moisturizer are used daily, the peel is used weekly.

Vosges-Haut Chocolate Les Fleurs du Chocolat Collection
$45 at EveryMotherCounts.org

For every sale of this tasty truffle collection, Vosges will donate 20% of proceeds to Christy Turlington Burns’ non-profit, Every Mother Counts, which supports efforts to make pregnancy and childbirth safer for women. Rich chocolate truffles are topped with garden-inspired delicacies, like orchids and bee pollen.

If you have money left over after shopping for mom, here are 11 other smart purchases for less than $400. And if you’re out of cash, take these four steps to stop buying stuff you can’t afford. And whenever you’re shopping, it’s important to keep in mind how your credit card spending affects your overall financial health. You can see how by getting two of your free credit scores every month on Credit.com.

More from Credit.com

• What Is a Good Credit Score?
• How Do I Improve My Credit Score Without Debt?
• 10 Things Everyone Should Know About Credit Scores

This article originally appeared on Credit.com.

Mother’s Day Gifts for Less Than $100 is a post from: When Life Gives You Lemons. Did you like the post? Follow me on Twitter, like me on Facebook, or hop on over to my blog and leave me your feedback.

This guest post on motherhood is from Catherine Alford at Budget Blonde. After you read her post, head over to her website, where I’m guest posting today.

Having and raising children is expensive, and I should know because I got a two for one special with my adorable boy-girl twins. In fact, by some counts the cost of raising a child to adulthood can be around $245,000 not including college! That’s insane!

Even though I don’t feel that raising a child actually costs that much for most families, mine included, having children is still a big financial burden if you aren’t adequately prepared for motherhood.

Because I’m a planner by nature and like to have things as organized as possible before I make any big, life-altering decisions, I approached motherhood with that same attitude.

I asked everyone I knew how to get prepared financially for motherhood and now that I’ve been through it myself, here are my top 4 ways to do so:

Research, Research, Research

As I said before, I like to be organized and prepared for any big decision in life. When I first found out I was pregnant, I did a lot of research about how much money I needed to set aside before the arrival of our twins and motherhood.

I asked my mom, my mother-in-law, and my friends who were already mothers to weigh in on this important topic. What I heard from them varied quite a bit, but it gave a good basis to get started prepping financially for motherhood. All in all I decided to save $10,000 before the twins came, $5,000 for each.

Set Up a Targeted Savings Account

Once I had a number in mind, I set up a targeted savings account and started socking money away. I set up my “baby fund” with Smarty Pig, but there are other banking institutions that allow you to create several targeted savings funds too.

A targeted savings account is key to save up for motherhood because it keeps this money separate from your other savings, like your emergency fund, a vacation fund, or whatever other savings you have set up.

This really reduces the temptation to raid the fund to pay for something else besides baby purchases. After all, if your savings account says “baby” on it, you’re much less likely to take away from it. (If you have questions about Smarty Pig feel free to e-mail me, and I can send you an invite!)

Consider Life Insurance

If you haven’t already thought about life insurance before getting pregnant, now is the time to do it. It might a bit morbid to think like this, but it’s especially important to have life insurance for yourself and your child’s father in case something were to happen to either of you.

As mentioned earlier, raising a child is very expensive and it would be all the more difficult to do it alone if something were to happen to either of the baby’s parents. Life insurance can help ease that burden at least a little bit, so it’s worth checking into if you haven’t already.

Get a Will

Again, a little morbid I know, but having legal documentation in place is all the more important once you have a child. Having a basic will drawn up on your behalf is fairly inexpensive and will provide a lot of peace of mind in case you or your child ever has to deal with a death in the family. During that time of grieving, the last thing you want to deal with are complicated estate laws, so a will help simplify that process.

How did you prep financially for motherhood?

Catherine Alford is the go-to personal finance expert for educated, aspirational moms who want to recapture their life passions, earn more, reach their goals, and take on a more active financial role in their families. She is also founder of www.BudgetBlonde.com and the innovator behind the web’s most comprehensive course on how to Get Paid to Write for Blogs.

4 Ways to Prepare Financially for Motherhood is a post from: When Life Gives You Lemons. Did you like the post? Follow me on Twitter, like me on Facebook, or hop on over to my blog and leave me your feedback.

Mother’s Day is a big gift-giving holiday: On average, American shoppers expect to spend just over $170 on Mother’s Day gifts this year, and $21 billion in total on Mother’s Day 2015, according to a survey from the National Retail Federation. The $170 price tag is pretty high, and it’s no wonder since only about one in 10 respondents said they plan to take advantage of coupons for Mother’s Day savings.

This is a big mistake, though, as GOBankingRates found an abundance of Mother’s Day deals and sales that can help you save on a gift or get mom more with your budget. With the coupons we found, shoppers can easily find savings of at least 15 percent, which on $170 would mean more than $25 extra in your pocket, and some deals can save you even more for Mother’s Day on May 10.

“Shoppers should make a point to look for ways to save on gifts for mom,” said Trae Bodge, senior editor for RetailMeNot. “Around Mother’s Day, in particular, we see offers in the 15 – 50 [percent] off range across a variety of categories such as beauty, floral, apparel, photo and general gift retailers, so it’s a great time to shop not only for mom but for grads, wedding gifts and yourself! RetailMeNot consumers report an average savings of $20 per transaction so it’s worth the few seconds it takes to check.”

Read: 4 Ways Moms Can Earn More Money

21 Best Mother’s Day Freebies, Sales and Deals

To help shoppers find Mother’s Day freebies, sales and deals, GOBankingRates rounded up some of the best offers out there, with the help of deals sites CouponSherpa, DealsPlus and DealNews, and listed them below. We found plenty of deals on typical Mother’s Day gifts like flowers, sweets, jewelry and mementos. There are also many Mother’s Day sales on women’s apparel and accessories.

• 1-800-Baskets: Mother’s Day fruit gift baskets are 20 percent off with code SAVE20FRUIT, or save 30 percent on select Mother’s Day gifts with code 18MDAY30 through May 10.
• 1-800-Flowers: A selection of Mother’s Day flowers are discounted up to 40 percent, or save 20 percent on certain, regular-price orders of $49.99 or more with code MTHR49 through May 10.
• Amazon: A roundup of Mother’s Day deals offer savings on gifts like jewelry, electronics and apparel.
• Ashford: A selection of Mother’s Day gifts include high-end watches marked down by as much as 78 percent through May 10.
• Bath & Body Works: Get 20 percent off your online purchase with coupon code S155159 through May 10. Shoppers can also get a free spring getaway tote priced at $102 for just $20 when they spend $40 or more and use code HAPPYMOM while supplies last.
• Blue Nile: A Mother’s Day sale has a selection of jewelry marked down by up to 30 percent when shoppers use code MOM2015 through May 8.
• Dressbarn: Through May 15, use coupon code EMOM15 to get 15 percent off your entire purchase online, or code 2552 when in store.
• eBay: The Mother’s Day Event on eBay has items like Apple Watches and other tech, jewelry, handbags and more marked down by up to 80 percent, with deals changing daily.
• Eddie Bauer: Get 30 percent off regular-price women’s items with code SUNSHINE, valid through May 10.
• Framebridge: The coupon code Gawker20 will take 20 percent off custom framing orders, but hurry — you’ll have to order by May 4 to get it to mom by Mother’s Day, reports LifeHacker.com.
• Ghirardelli Chocolate: Coupon code SPRING5 will get shoppers 5 percent off Mother’s Day gifts and other purchases through May 24.
• JCPenney: Get 15 percent off home items (20 percent when paying with a JCP Credit Card) with code CHICHOME, valid through May 10.
• Kay Jewelers: Through May 10, this jeweler is offering a limited selection of items discounted up to 40 percent, with prices starting at just $24.99.
• Macy’s: The department store has a Mother’s Day gift guide, and is granting 25 percent off regular, sale and clearance items with code FRIEND through May 4. Order by May 6 to get free guaranteed shipping by Mother’s Day.
• Mikasa: A Mother’s Day gift selection has glassware marked down by up to 70 percent through May 11.
• Murad: Spend $125 or more and you’ll get a free Mother’s Day Gift Set (a $65 value) with code MURADMOM, valid through May 10.
• Shari’s Berries: Buy two or more gifts and get $15 off a purchase, valid through Mother’s Day.
• SUSU Handbags: Coupon code MOTHER will get shoppers 30 percent off through May 11.
• Teleflora: Code AFLSMOM25 will get shoppers 25 percent off Mother’s Day flowers through May 10.
• Yankee Candle: All large candles are buy one, get one 50 percent off through May 9.
• York Photo: Get 50 percent off books and Mother’s Day gifts with code MOTHERS, valid through May 5.

This article originally appeared on GOBankingRates.com: 21 Best Mother’s Day Freebies, Discounts and Deals

This article by Elyssa Kirkham first appeared on GoBankingRates.com and was distributed by the Personal Finance Syndication Network.

Source

21 Best Mother’s Day Freebies, Discounts and Deals is a post from: When Life Gives You Lemons. Did you like the post? Follow me on Twitter, like me on Facebook, or hop on over to my blog and leave me your feedback.

I’ve only mentioned it on Twitter and never on here, but my mom discovered my blog.

I thought I was being so sly, covering up my tracks and being little miss anonymous. But not so much. When I went home for Easter, we sat out on the back porch sipping wine and giggling over our pups when she told me she had to tell me something. I would have never guessed that the next words that came out of her mouth would be “I know about your blog”.

I burst into tears (yeah, dramatic) and asked her if she was mad. Yes, I asked her if she was mad at me. I thought she’d be upset with me for keeping my blog – my proverbial “baby” – a secret for almost a year and a half. She told me she wasn’t, and that she was proud of me, and we moved on.

I thought having somebody so close to me know about this little internet nook would be detrimental to it’s success. It hasn’t been. Nothing’s changed, really, except that every night I ask the universe to spare me from people I know finding out about the blog before I’m ready.

I digress. The real reason I’m writing this post is to share with you a few things that my mother taught me in life, in light of mothers day. She’ll read this, probably, and I hope she does. ‘Cause she’s my hero.

When I was young, my parents divorced. This left my mother with two young children, in a small town with limited financial resources. My mom commuted for three hours to get to her job every day, struggling to make ends meet with a mortgage, her kids (one of them being a growing boy who ate more than one can imagine), and not enough time on her hands.

She was super mom to the extreme. My mom was my team’s soccer coach, and a girl scout leader. She was our personal chauffer, bringing us to (at any given time, and usually all in the same week): figure skating, soccer (both of us, different teams), boy scouts (him), girl scouts (me), dance class (2 separate types, 2 separate nights – me), karate (him), swimming lessons (both of us, different classes), art lessons (him),  skiing and snowboarding (both), basketball (both of us, different times), track n’ field, and obviously play dates, school functions, craft fairs, bake sales, field trips, birthday parties, volunteer work, school plays, and the like.

All while working full-time. With a three hour commute.

This is the same woman who – with all of this, doing it by herself – managed to go to the gym almost every day and never missed a soccer game, a dance recital, or a karate tournament; always had a healthy dinner on the table for us and kept a clean, comfortable home.

She managed to raise two pretty awesome kids (if I do say so myself ) and taught me a lot of important life lessons.

• Work Hard

My mom obviously had a really good work ethic and passed that down to both my brother and me. She led by example, never complaining that she didn’t have enough time to do something that she valued. She always told us to work hard and go to school so we could have a good life when we were grown up.

• Be Independent

Life Lessons From My Mother is a post from: When Life Gives You Lemons. Did you like the post? Follow me on Twitter, like me on Facebook, or hop on over to my blog and leave me your feedback.