• Saver and Spender; How much difference does it really make?

    Why Your Spending Habits Matter

    I’ve heard many people wonder if your spending habits truly make a difference, or is it the income that matters.  I believe it is some of both.  Here’s a story about a true saver and spender and what exactly happens when you change your spending habits. 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,…

  • 5 Easy Ways We Spend Less at Restaurants

    I am a member of online affiliate programs.  I will be compensated for purchases made from links in this post. It’s so fun to go out to eat!  You don’t have to wash any dishes, someone does all of the cooking for you, you don’t have to wash any dishes, the food is delicious, and did I mention you don’t have to wash any dishes??!?!?! The only negative is that restaurants are expensive!  Going out to eat regularly can take a huge toll on your budget.  Fortunately, there are a few tricks you can do to spend less at restaurants! 5 Ways to Spend Less at Restaurants 1.  Eat 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…

  • 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…

  • 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…