• Budget for Beginners: FAQ

    Disclosure:  “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. As an Amazon Associate I earn from qualifying purchases.” I receive so many messages on a daily basis from people wanting to start managing their money and living frugally, but they don’t know how to take that first step.  It is always so amazing to me when I see others who wans to improve on their life and financial situation, it can be scary trying to make such a big change into the unknown.  There can be a lot…

  • How to Move While on a Tight Budget

    My husband and I have had plenty of practice moving! We have been married 14 years and in that time we have moved 9 different times.  This includes 6 different cities and 4 moves across the state border.  We have made many mistakes along the way, and over time have learned the best ways to keep the move simple and most importantly, frugal. I wanted to share a few of the tips and tricks we have learned a long the way to help you on your upcoming moves. 10 Tips for Moving on a Budget 1.  Budget The moment you know you will be moving, make a plan.  Set a…

  • Overspending Triggers and Solutions

    Some days I feel like my spending habits are right on point.  I am sticking to my budget, spending wisely, and stashing lots of money away into savings……. But then, I have other days when I STRUGGLE!  I shop impulsively, I buy things without even checking the budget and I develop a “I need it so I get to have it” mindset. Does ANYONE else have this happen???? Obviously I know I shouldn’t spend this way.  Yet, I tend to ignore the voice of reason and spend. I have learned that these overspending urges are usually the result of a trigger.  SOMETHING going on in my life (usually emotionally for…

  • 10 Tips to Stop Impulse Shopping

    Let’s talk impulse shopping. Truthfully??  I have always struggled with impulse shopping and I am constantly trying to stop. Do I budget?  YEP!  Do I love to save money and watch my bank account grow?  ABSOLUTELY!  Yet, I STILL impulse shop!  (you win some and lose some right???) Fortunately, I have learned many lessons through the years and my impulse shopping has decreased (I still have a ways to go however!). 1.  Admit you Have a Problem The first step to curing impulse shopping is to admit you have a problem.  It’s normal to want to rationalize your purchases.  You might be using phrases like, “Oh, but it was on sale,…

  • Free Budget Worksheets

    Are you wanting to get started budgeting, but just feel unsure to start?  I have been there, I understand, and I am here to help!  After receiving multiple questions about “where to start” from my readers, I decided to make a little crash course to help you get started living frugally and budgeting better.  With the 5 Days to Frugal email course you will receive an email each day for 5 days.  These emails will each cover a different frugal living topic, including 5 free budget worksheets. The topics taught in this free course include:  Budgeting, Making Goals, Meal Planning, Homemade Household and more.  Each day I will share with…

  • Why we Cut the Cable and NEVER looked back!

    “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. As an Amazon Associate I earn from qualifying purchases. ”  I am a member of online affiliate programs.  I may be compensated for purchases made from links on my site. I remember telling my friends that, “I could never live without my DVR!”  I loved having my DVR and being able to record shows whenever I wanted and watch them whenever I wanted.  I loved skipping through commercials and I really could never imagine myself going back to life…

  • 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 Envelope Money System: A Beginners Guide

    About a year ago I changed the way I was spending money.  I decided to quit using my debit card for purchases and try only using cash.  I’ll be honest, I did not think this change would make much of a difference.  I am a little bit prideful and a lot of stubborn and I really felt that I was strong enough to spend smartly with my debit card. It only took one month of paying with cash to realize that I was so so wrong!  I couldn’t believe how quickly my wad of cash depleted.  It was a huge wake up call as I watched my cash fly out…