• 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…