• How to Cut Your Budget; When There is Nothing Left to Cut

    I am a member of online affiliate programs.  I may receive compensation for purchases made through links in this post.  All opinions are my own. I get a lot of comments and messages on Instagram; and a few of them just break my little heart! These messages are from those that feel they have done every single thing they can think of to find extra money in their budget, but there is just nothing left to find.  These people have cut ALL unnecessary spending, only paying the bare minimum to live and they STILL can’t find any extra money in the budget. If you can relate to this in any…

  • Dollar Tree Easter Basket Ideas

    I was compensated for this post. This post also contains affiliate links and I will be compensated if you make a purchase after clicking on my links. A common misconception is that the only way for kids to have a childhood full of memorable holidays and fun traditions is to spend a lot of money…..I’m here to tell you that is just.not.true. This is one of the many reasons why I LOVE The Dollar Tree.  I love watching their season aisle.  It’s fun to see what they bring in every year. Every year I buy my kids Easter Basket Stuffers from The Dollar Tree spring section.  This year I spent…

  • What we cut from our budget to save over $2500 a year

    “We are a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for us to earn fees by linking to Amazon.com and affiliated sites.” I am not naturally a frugal person.  I was raised by two frugal parents, but I lean more towards wanting to shop and buy all of the pretty things (I’m looking at YOU Target). It has been a huge learning process for me to become more frugal and to realize the value and beauty in cutting back and saving money.  Learning my new frugal lifestyle has been over the course of years, and quite honestly, I’m still trying…

  • The one idea I disagree with Dave Ramsey on

    I am a member of online affiliate programs.  I will receive compensation from clicks on my links.  All opinions are my own.  I guarantee to never share anything I haven’t already been using for years. I love Dave Ramsey.  I follow his advice and teachings religiously.  Except for one thing…. I have one credit card and use it regularly. Dave Ramsey advises against using any sort of credit card, but we have found it actually earns us a lot of money just by shopping normally. I use cash for about 50% of our purchases, clothes, decorations, restaurants, spending money, kids music lessons, etc.  We use a Discover Card for the…