• A Financial Tale of Two Sisters

    The story you are about to read is true.  The names have been changed to protect those involved. (Note Sarcasm 😉 ) Once upon a time there were two sisters.  One was named Jane and the other Melissa. Jane and Melissa were raised by two hardworking, frugal minded parents.  These wonderful parents raised the sisters to understand the importance of saving money,  spending wisely, and budgeting. Jane and Melissa both began receiving an allowance at age 12.  They were both given the same amount of money and were taught to save at least 10%, tithe 10% and the rest they could spend. Melissa began babysitting at a young age.  The…

  • 5 Easy Ways We Cut Costs While Eating Out

    My husband and I do not eat out very often.  We both learned years ago that we are able to save such a huge amount of money simply by eating at home.  We still enjoy eating out occasionally, we just try to do so frugally. It is possible to enjoy eating out at restaurants from time to time, even while being on a tight budget.  The most important thing is to include the expense in your monthly budget and try to cut out a few common restaurant costs. Here are the 5 ways we try to cut the costs when we eat out: 1.  Eat Out For Lunch Go out…

  • What I Learned From the July Pantry Challenge

    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 and I only recommend things I truly use and love! I just finished my month long pantry challenge!!  If you’re not aware of the term, a pantry challenge is meant to encourage you to use up items you already have in your home, (pantry, fridge, freezer, shelves, etc.), instead of spending money at the store on groceries. My goal was to save a little extra money during the month by spending less on groceries.  To do this I decided to cut my regular grocery budget…

  • 14 Day Frugal Living Challenge

    UPDATE: The Free 14 Day Frugal Living Challenge has been discontinued.  I still have 5 Budget Worksheets Printables available for free!  You can get them by signing up below!   I have been working so hard on my 14 Day Frugal Living Challenge.  I wanted to create something that would encourage, inspire and help others to live a more frugal lifestyle. I have put together 14 e-mails (one a day), each with a different frugal living topic.  Each e-mail includes tips and tricks from me and a daily challenge, all related to the topic.  There are links to other articles, free printable worksheets, and 15 of my favorite simple and…

  • 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…

  • 10 Ways using the Public Library will Save you Money

    Taking full advantage of our Public Library has been such a money saver for our family.  I think it’s fairly common to associate only books with the Public Library, (which as a book worm is already an awesome thing!), but the library can offer so so much more than beautiful books.  Everything to borrow is completely free.  They offer so many different services, it makes me sad when others don’t take realize the huge benefits of the library. 1.  Books, Books, Books! We will start the list off with the most obvious thing to borrow from the library; and that is books.  Reading is one of my very favorite forms…

  • Small changes in your lunch habits can make big changes in your wallet

    Finding ways to save money in your budget doesn’t always have to be extreme.  Sometimes all it takes is small consistent new habits to make a big results. We decided that instead of having my husband go out to eat lunch with his coworkers every day we would instead pack him a lunch to take.  He usually has leftovers from dinner and some fruit or a salad, sometimes he will make himself a sandwich. I added up how much this saved us over a year.  I estimated we  spend about $3 a day on the lunch he takes to work.  He works approximately 250 days out of the year making…