Frugal vs. Cheap - is there a difference FB

Frugal vs Cheap What’s the Difference?

It is no secret, I am a frugal living enthusiast and I love it. However, I was not always so frugal-minded, I once had a mountain of credit card debt that could attest to that, but hey, it was all on sale! With the Great Recession came a need for many families to change their […]

Budgeting

Let Financial Freedom Ring. Creative Ways to Pay Off Debt

Creative Ways to Pay Off Debt

If you have been following me for a while, you know that I love Swagbucks* and that I use them a lot. I use them to score free gift cards, free clothing, and to shop for free. Now, I am using them to help pay down my debt. If you read my debt check-up post, […]

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Blogging/WAHM

Managing the Chaos as a WAHM - 5 Tips for the WAHM with Toddlers

Managing the Chaos as a Work-At-Home Mom with Toddlers

I have probably read every time management book and blog article on how to best work from home and increase productivity out there. The only issue is that these never mention how to work from home, manage your time, and increase your productivity if you have children at home with you who are younger than […]

More Posts from this Category

Frugal vs. Cheap - is there a difference FB

Frugal vs Cheap What’s the Difference?

It is no secret, I am a frugal living enthusiast and I love it. However, I was not always so frugal-minded, I once had a mountain of credit card debt that could attest to that, but hey, it was all on sale! With the Great Recession came a need for many families to change their […]

Why Being a Minimalist Saves You Money

Why Being a Minimalist Saves You Money

If you walked through my front door right now, you would recognize one common theme throughout my home, empty spaces. Although I love those beautifully decorated homes in Better Homes and Gardens, I cannot stand a bunch of stuff. I hate cleaning a bunch of trinkets, I hate feeling overwhelmed by junk, and I hate […]

Why There is No Such Thing as Free Money

Why There is No Such Thing as Free Money

Free money? Oh yes, there are several ways to earn and receive free money – Swagbucks and InboxDollars are two of my favorite places to earn free money online. Even your tax return or bonus check can be viewed as free money. The big question is, is free money really “free”? No. Swagbucks * and InboxDollars […]

My Simple Holiday Budget

My Simple Holiday Budget

The holidays are almost here and the season of deep discounts, sleeping on sidewalks and department store Santa is upon us. For many, the holiday season is a struggle, whether you are attempting to have a debt-free Christmas or are simply trying to afford Christmas all together. The most wonderful time of the year is […]

3 Tips to Help You Build a Gift Stockpile FB

3 Tips to Help You Build a Gift Stockpile

Budgeting for gifts can be difficult especially, if you need to purchase gifts for more than one occasion in a month. A gift stockpile can help save you time and money by having a selection of gifts already purchased to choose from at a moment’s notice. A gift stockpile works similarly to a food stockpile […]

6 Ideas for Less Expensive Birthday Parties

6 Less Expensive Birthday Party Ideas

If you have children, you have undoubtedly heard that children are expensive. Children definitely cost money but the expensive part is determined by the parents. There are numerous ways to lower the cost that is associated with having children. One of these ways is to simplify their birthday parties. Coming up with less expensive birthday […]

How Using Gift Cards Can Help You Stick to Your Budget

How Using Gift Cards Can Help You Stick to Your Budget

One of the easiest ways I have found to keep up with my budget is to use gift cards. Using gift cards to budget is easier than it might seem and although cash is my preferred method of payment when grocery shopping but sometimes, even cash can cause me to go over my budget. Gift […]

How to Effectively Plan Shopping Trips

How To Effectively Plan Shopping Trips

One of the fastest ways to save money on groceries (or just shopping in general), is to make a shopping list. Not just any ol’shopping list, though. You need to make a great list, one that will ensure you are not running out to the store several more times that week to purchase things you […]

MAKE OR BREAK PRICE FB

Make or Break Price – Using a Price Book

If you have been hanging out in the realm of frugal living, you have probably heard mention of this thing called a “price book” (sometimes referred to as a price list). A price book is essentially a book where you keep a record of the prices that you pay for certain items and what their […]

The Easy Trick to Saving Hundreds on Your Grocery Budget

The Easy Trick to Saving Hundreds on Your Grocery Budget

“How do I save on groceries”, is one of the most commonly asked questions when speaking with others about budgeting. Next to your housing costs, groceries can be the next largest expense in your budget. There are several different methods to saving money in this area of the budget but there is one way that […]

8 Tasks to Prepare Financially for Your Baby

8 Tasks to Prepare Financially for Your Baby

Congratulations! You are having a baby, now what? That is how I felt when I first found out I was pregnant. I always wanted to be a stay-at-home mom and my husband did not want us to struggle financially, so what were we to do? We had to develop a plan and stick to it. […]

Why You Need a Record of Accounts

Why You Need a Record of Accounts

A Record of Accounts is a written (hand-written or typed) document showing where all of your money is located along with the essential information pertaining to collecting/viewing that money. This is an important document that everyone should have, married or not. If something were to happen to you, would your husband know where your retirement […]

One Simple Trick to Make Sticking to a Budget Easier

One Simple Trick to Make Sticking to a Budget Easier

I was always scared to automate my payments. I think my fear stemmed from the time in my life when I had no money to pay bills. I struggled to make my payments on time due to lack of funds to pay them. Even now, with my budget on track, I still get nervous about […]

STOP.THINK.BUY.

STOP. THINK. BUY.

I truly believe that temptation is the root of all evil, not money. Temptation can creep up on even the most financially savvy folks and cause havoc on their money plans. Although there will always be some level of temptation around, there are a few ways that you can remove it from your life to […]

Why You Need a Yearly Budget Checkup

4 Reasons Why You Need a Yearly Budget Checkup

You have made a budget, you have cut expenses, and you have pulled yourself out of the trenches of financial trouble. You are starting to feel at peace with your finances – so now what? One of the best things you can do for your finances is to give yourself a yearly budget checkup. Think of […]

The 50/2030 Budget

The 50/20/30 Budget

Budget categories, recommended percentages, automated payment schedules, savings challenges, and the list goes on. Budgets get a dirty rap because they often seem complicated and boring. The truth is budgeting is essential to surviving life. Money is the one thing that connects us all, regardless of size of income, gender, culture differences, where you live, […]

How to Spot Financial Trouble

How to Spot Financial Trouble & How to Pull Yourself Out

I am sure you have witnessed it happen to your family or friends, or maybe you have firsthand experience. You have seen what the trenches look like and know that you want no part of it but somehow you and your loved ones sometimes stand on the edge waiting to fall off. You stand waiting […]

3 Steps to Setting Financial Goals

3 Steps to Setting Financial Goals

Are goals important when it comes to personal finance? Yes. Why? Because without goals, you are just wasting money and letting money control you instead of you controlling your money. I am sure if you have ever read a time management book, you have probably read the story about the professor and the jar of […]

Take a Money Minute

Take a Money Minute

How many times do you review your finances? Do you review them daily, weekly, monthly, or yearly? Maybe you review them a couple of different times throughout the week or many even a few times a day. One of the quickest ways to get a handle on your finances is to have money minute every […]

7 Reasons Why Your Budget is not Working

7 Reasons Why Your Budget isn’t Working

Budgeting can be such a pain, in fact, I am going to make an educated guess that if you are reading this article, you hate the “B” word just as much as the next person. It’s cool, budgeting is tough and really I do not believe anyone actually enjoys it, we just know that it […]

31 Days of Real Life on a Budget

31 Days of Real Life on a Budget

Are you ready to join me for an intense month of budgeting and money management advice? Oh yeah, it will be intense, 31 Days of Real Life on a Budget is all about improving your finances. There may be some advice that you already knew, but there will be plenty of advice that you have […]

goals

2014 Goals Update #9

Oh my, September was quite the month for me. I was crazy busy but I enjoy a little chaos every now and again – keeps me on my toes. Blogging Wow. Just WOW. Y’all my little blog is finally starting to grow! After two years of working my tail off on this thing, I am […]

My $300 Budgeting Mistake & Why it Didn't Derail Me

My $300 Budgeting Mistake

Bad days, we all have them. Last Wednesday was a bad budgeting day for me. I ended up spending $300 completely unplanned. Talk about blowing your budget out of the water! However, my $300 budgeting mistake did not derail us, because we have backup plans in place to take care of mistakes.  I am not […]

Meal Planning - The Easy Way!

Meal Planning Made Easy

Meal planning – you know you should do it, you know that it will save your family hundreds of dollars on your grocery bill but, let us get real folks, meal planning is no fun. It is time consuming and sometimes we just do not do it out of shear resentment. Last year, when I […]

Save $500 a Year without Changing Your Lifestyle

Save $500 a Year without Changing Your Lifestyle

Thank you Dave Ramsey’s Endorsed Local Provider program for sponsoring this post! Everyone wants to save money and everyone should strive to make their dollars stretch further, regardless of the size of their income. However, most people do not want to make the difficult decisions that often crop up when it comes to saving money. Some […]

Get More Done in Less Time - Tips for WAHMs and Bloggers

Get More Done in Less Time. Tips for WAHMs and Bloggers

Multitasking, women love to multitask, and in fact, many believe that they are efficient multitaskers. However, I have come to the realization that multitasking means I get less done and I end up with more stress on my plate. Chances are, this happens to you too, especially if you are a work from home mom. […]

7 Methods for Saving Money NOW

7 Methods for Saving Money Now

I am all about saving money and building a better life for my family. These are seven ways that we do just that. Add your own in the comments! 1. Just Say “No” Whenever the cashier or sales associate ask you about signing up for their credit card (because it gives so much in “rewards”….), […]

The 90-Day Savings Challenge

The 90-Day Savings Challenge

I am sure by now, you have at least heard of the Ice Bucket Challenge, maybe even participated in it. Well, I have a new challenge for you, one that of course, involves your personal finances. This challenge will not be easy, nothing worth it ever is. This will be a 90-day challenge from today […]

Why Debt-Free

Why Debt-Free?

Whenever I tell people that the hubs and I only have two debts left to pay off, my student loans and our mortgage, their reaction is either in awe or why. Some people only dream of one day living without credit cards and the never-ending cycle of monthly payments and others have zero desire to […]

Simple Tactics for a Great Budget

Simple Tactics for a Great Budget

Y’all know I am all about simplicity when it comes to budgeting. I hate making things complicated because, truthfully, that is the one sure-fire way to make sure that I do not follow through with it. Therefore, if you are wanting to get a quick and simple fix for your budget, I have four tactics […]