Sweet Frugal Life

Being Frugal Doesn't Make Life Any Less Sweet

  • Start Here
  • Free Downloads
  • Frugal
    • Frugal Living
    • Budgeting
    • Travel
    • Gift Ideas
    • Good Deals
  • Parenting
    • Money Education
    • Holidays
    • Crafts
  • Recipes
    • Breads
    • Dinner
    • Cleaners
  • Recipe Book
  • Contact
  • Privacy Policy

How To Negotiate Your Bills

February 4, 2022 By: Sweet Frugal Life2 Comments

How I negotiate my bills!

Do you want to save more money?  I am pretty confident that we ALL want to save more money.  Well, I am here to tell you that you can save money on your monthly bills today!  That’s right, most of us are paying to much on our monthly bills.  But, the good news is that you can easily negotiate bills.  All it takes is a little research, time and diligence.

Why Negotiate Bills?

There are so many reasons to negotiate your bills.  The most important reason for me personally is to have more money!  I’m always looking for places to scrimp and save.  I mean, who doesn’t want more money????

Imagine the things you can do with some extra money each month?

  • You could pay off your debt faster!
  • You could grow your sinking funds at a quicker rate!
  • You could spend that money on something FUN (because we all know bills are not a fun way to spend money…amiright????)
  • You could use that extra money to save towards your future.

There are so many possibilities.  The most important thing though is that you will have the extra money to choose to spend in the way that is best for YOU!  There is nothing better than that!

negotiate for lower bills - save money on bills

What Bills Can I Negotiate?

If you are wondering exactly which bills you can negotiate, I say all of them!  I like to follow the rule that it never hurts to ask!

You will never know if it’s negotiable or not if you don’t ask!  The worst thing that can happen is they will say “No.”

Here are a few bills I recommend you start with!  Each of these service providers are all well known of allowing negotiating.

Cable/Satellite TV

We personally got rid of our cable TV years ago, but if you haven’t made that cut yet you can try to get a better deal.  Most cable services will let you negotiate to a lower rate.  It’s worth the phone call!

During this phone call be sure to bring up how long you have been a customer.  If you have been devoted to the company for years they will be much more likely to give you a discount!

It’s also helpful to ask for any promotions they might have at the time.  Cable companies usually rotate different promotions throughout the year.  However, if they by chance don’t have one you qualify for, mention a promo their competitor might be offering.  Most cable companies will match a competitors deal, which is great news for all of us!

Credit Cards

Your credit card balance is your responsibility, however you can negotiate a lower interest rate!  A lower interest rate will mean paying that card off quicker and cheaper!  This is what we all want!

Credit card companies like to reward loyal and responsible behavior.  If you have been on time with your payments, tell them this!  Explain how many months you have been on time and then kindly ask for a lower interest rate.

  • Related:  How To Pay Off Debt Using The Debt Snowball or Debt Avalanche

Medical

Did you know that medical bills are negotiable?  Many people don’t realize this, but they totally are!

If you can pay your bill in full up front, ask for a discount.  Every single time I have asked, I have been told “yes!”.  This discount is usually between 15-25%.  Which can be a significant savings!

If you are unable to pay in full, ask for an interest free payment plan.  This is a great set up because you can pay your bill at your own pace, without having to pay extra in interest.

Internet

Negotiating your internet bills is easy and very similar to negotiating your cable/satellite bills.

When negotiating, be sure to ask for current promotions and mention the promotions their competitor is offering.

Another good strategy is to ask for a cheaper internet package.  This might mean slower internet, or less services.  But, if you need the extra cash it will be worth it!

Insurance Premiums

Negotiating your insurance premiums is another excellent way to save on your monthly bills.  Most insurance agents are willing to work with you on these bills.  Never be afraid to ask!  They want your business!  It’s their job to make you happy!

There are a few things I suggest to bring up during this meeting.  The first is to ask if you can pay once a year, rather than monthly.  Many companies prefer to be paid in one lump sum and will give you a discount if you pay this way.

The other suggestion is to ask your insurance agent for a bundling discount.  This means that you will “bundle” or group your insurances (life, home auto) together with one company.  You can almost always get a discount for bundling.

  • Related:  8 Ways to Save Money on Utilities This Winter

Bill Negotiating Tips

Negotiating does take a little bit of time and bravery.  It can be intimidating to call these companies up; so I am helping you out with a few bill negotiating tips.

Do Your Research

Be diligent with researching before calling up a company.  Research competitor prices, look over your bills to check your consistency on your payments.  Know what you are talking about before asking for a favor.  They will be much more likely to listen.

Be Polite

When negotiating it is important that you are firm and diligent in your requests.  However, you can be firm while also being polite and considerate.

The people on the other end of the phone are real people with feelings.  You will be listened to more if you are polite.

Be Willing to Leave

If you really want to lower your bills, you need to be willing to leave your current provider.  When you threaten to leave your current service provider, they will usually listen up and honor your request.

But, you have to mean it!  There is a chance they will say, “Ok, then leave.”  And you will need to be willing to live with those consequences.

Today’s Challenge

Make a list of all of your monthly bills.  Choose two of them to try to negotiate to a lesser amount.  You can do it!

If you find success with those two bills, negotiate another one!

Remember, the worst thing that will happen is you will be told “No.”

Liked what you read?  Pin it for use on even more bills!

spend less on bills - save money tips

how can i negotiate bills

how to negotiate my bills - lower monthly bills

It’s time to negotiate your bills!

Which is best: Debt Snowball or Debt Avalanche Method?

October 6, 2020 By: Sweet Frugal Life5 Comments

The differences between the Debt Snowball and Debt Avalanche.

Are you looking for the best way to pay off debt?  You are not alone!  One of the most important things to do when paying off debt is to develop a plan.  This plan should give you motivation and direction for your debt payments.  Two of the easiest ways to pay off debt is by using the debt snowball or debt avalanche methods.

Neither of these methods are superior to the other.  They both have great qualities and offer excellent motivation for getting rid of debt.  I’ll explain all of the pros and cons to these two methods in this article.

quickest way to pay off debt - best debt pay off plan

How to Pay Off Debt With The Debt Snowball

The Debt Snowball is the method Dave Ramsey recommends, and probably the most popular of the two.  The Debt Snowball was designed as a way to help you gain confidence with paying off debt.  The idea is that as you pay off your smaller debts first you will become more excited to pay off the larger ones.

  • Related:  Why I Disagree With Dave Ramsey

To use the Debt Snowball method you will first list all of your debts in order from the smallest debt to the largest.  Do not pay attention to the interest rates, instead focus on the amount owed.

While continuing to make minimum payments on all debts, begin actively trying to pay off your SMALLEST debt FIRST by paying more than the minimum payment each month.

For Example:

  • $800 Credit Card with 5% interest
  • $5,000 Car Loan with 7% interest
  • $25,000 Student Loan with 15% interest

Pay off the credit card first, while continuing to make minimal payments on the other two debts.  Next you will pay off the car loan, and then lastly you will tackle the student loan.

This will mean that you will use ANY extra money that comes your way to paying off this one debt.  Try to cut out any unnecessary expenses and use that extra money to tackle each debt.

As you pay off those small debts you will have more practice and motivation to be able to tackle the larger debts.

Debt Snowball Pros

There are many pros to using the Debt Snowball to get rid of your debt.  A few of these include:

  • Builds Confidence
  • Keeps you motivated
  • It’s simple to follow

Debt Snowball Cons

The biggest con to using the Debt Snowball is that there is a possibility you will spend more money because you aren’t paying off the highest interest first.

If you choose to pay off a debt with only 2% interest and wait to pay off the debt with 15% interest, you are having to pay that extra interest rate longer, making it cost more in the long run.

This is where the Debt Snowball and Debt Avalanche methods differ.  Next, I’ll explain all about the Debt Avalanche.

How To Pay Off Debt With The Debt Avalanche

The biggest difference between the Debt Snowball and the Debt Avalanche is that in the Debt Avalanche you will list your debts in order from the highest INTEREST to the lowest interest.  You will then continue to make all minimum payments for all debt while focusing all extra cash to paying off your debt with the highest interest rate.

For Example:

  • $25,000 Student Loan with 15% interest
  • $5,000 Car Loan with 7% interest
  • $800 Credit Card with 5% interest

In this example you will pay off your student loan first because that is the debt with the highest interest.  The point of the Debt Avalanche is that by getting rid of the debts that charger higher interest you will be able to pay off the debt quicker.

  • Related:  Extreme Ways to Cut Your Budget

Debt Avalanche Pros

A few pros to the Debt Avalanche method are:

  • Possibly become debt free quicker
  • Saves you money in the long run

Debt Avalanche Cons

  • It takes longer to see results
  • Requires more patience

Master Your Money Super Bundle 2020 

Which Debt Payoff Method is Best For You?

So, what does this all mean for you???

The answer to that question will be personal.  It will be different for everyone.  There is no right or wrong debt payoff method.

If you are feeling overwhelmed, unsure of yourself and needs some help to get going with your debt, than the Debt Snowball will probably work best for you.

If you are already feeling super motivated and you want to get rid of that debt ASAP, then you might prefer the Debt Avalanche.  This method will get you aggressively paying off that debt and will cut out some of those interest costs.

What do I recommend?

I personally recommend you research, research and more research.  Study everything you can about both methods.  Once you have studied everything you can, make your decision.  You will naturally feel more comfortable and be drawn to a certain method.

Once you make the decision best for you, GO WITH IT, own it.  Do everything in your power to get rid of that debt.

I promise paying off debt WILL be hard…..but I also promise that your future self will THANK YOU for being willing to put in the work.

You Might Enjoy These Other Articles To Help You Save More Money:

The 6 Step Plan to Stop Living Paycheck to Paycheck

The Best Frugal Living Tips You Need to Know

What to Cut From Budget to Save Thousands

Pin For Later Reference:

pay off debt with debt snowball or debt avalanche

 

I hope this article helped you understand the differences between the debt snowball and debt avalanche methods.

How to Start Budgeting for Beginners

September 7, 2020 By: Sweet Frugal Life4 Comments

Your Budgeting Questions Answered!

I receive so many messages on a daily basis from people wanting to learn how to start budgeting, but they don’t know how to take that first step.  It is always so amazing to me when I see others who want to improve their life and financial situation.  This isn’t an easy thing!  It can be scary trying to make such a big change into the unknown.  There can be a lot of questions when you first start budgeting and I want to answer some of those for you. 

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.”

 

How do I start budgeting?

The very most asked question I receive on Instagram is from people wanting to know how to start budgeting.  I think one of the hardest parts of most new habits is starting.  It is always hard to take that first big, sometimes scary, step in a new direction.  I have three suggestions to help you get on the right track for a successful budget.

1.  Make A Zero Based Budget

I recommend making a Zero Based Budget.  This is a budget where your expenses and income will be the same, in short…..you give every dollar a job to do within the budget.  This does not mean you SPEND every dollar, it means that it has a purpose and place within your budget.

If you are new to budgeting, it might take you a while to figure out just how much money to budget for each category.  This is normal!  A budget is fluid, meaning it is always changing. 

I had about a year of FAILED budgets (no lie) before I finally learned what works for me and my family.

A great resource to get started is my Free Budget Worksheet.  Grab it by signing up below!

 

 

2.  Track All Expenses

Once you make your Zero Based Budget I recommend tracking all of your expenses throughout the month.  Yes, this means writing down every.single.thing you spend.  Even that $1 pack of gum.  Write it down and track it!

Tracking your expenses keeps your budget accurate, and gives you a great window into your spending habits.  By tracking your spending habits, you will be able to see what areas you are over spending in and areas you could cut back.  This is crucial knowledge!

3.  Check Out Dave Ramsey

I highly recommend everyone new to budgeting, frugal living, or paying off debt read the book, The Total Money Makeover by Dave Ramsey.  This book changed my life and was the one thing that put me on my path to frugal living and mindful spending.

Check it out from your library, borrow it from a friend, or order it from Amazon.  No matter how you get it, just read it.  Dave Ramsey uses easy to understand terms as he explains exactly how to fix your financial situation.

 

What is the best way to keep track of day to day spending?

Ok.  So now that we understand it’s important to track spending, let’s talk about exactly how to do that!

Truth is, there are many different ways to track spending.  There is no right or wrong way to track spending, the most important thing is that you stay consistent.  Here are a few options to try:

1.  Excel Spreadsheet

When we first started budgeting my husband put in hours (and hours and hours) making us an excel spreadsheet budget.  It was full of details and catered to our spending and needs.  

We loved this method.  It was free and easy to customize and liked that we could make it exactly how we needed it.  However, it was very time consuming to make and upkeep.

2.  Budgeting App or Software

After using the excel spreadsheet for a few years we moved on to a computer budgeting program.  It was seriously the best decision ever.

We have been using the You Need a Budget budgeting app for about 10 years now and have never looked back.  It is so user friendly and very affordable!  I love that you can download the app onto your phone and update it as you spend.

A few other great apps available are Every Dollar, Mint, and Pocket Guard.

3.  Paper and Pen

There is nothing wrong with tracking expenses with old fashioned paper and pen.  As a matter of fact, I know many who prefer budgeting this way.

When tracking spending it is important to stay consistent.  Pick a day of the week, schedule a time, and develop a routine for tracking your spending.

 

How do you use cash envelopes?

Cash envelopes are a great way to limit your spending and stick to your budget.  I always recommend them to anyone who consistently is going over budget.  Plus they are so easy to use!

Just make your budget, and then get out enough envelopes for your spending categories.  Label each envelope, “Clothing”, “Groceries”, etc.  Stuff the envelope with enough cash to cover your budgeted amount.

As you go throughout the month, use the cash envelope to purchase items in each category.  Once the cash is gone, your spending for the month is done!  

  • Related:  Have More Money With The Cash Envelope System

 

How do you make a grocery budget?

First, I want to remind you that grocery budgets will vary greatly!  There is no secret amount or right/wrong way to budget for groceries.  Food prices vary in different parts of the world, and different families have different needs/diets.

It will take some trial and error to find the right grocery budget for you.  A good rule of thumb is $120/person/month.  So, a family of four would have a budget of $450/month.  However, if you find yourself needing more in your budget that’s OK.  Make your budget work for YOU!

 

How do you save money on groceries?

Groceries are one of the biggest expenses for most budgets.  But!  I have learned a few ways to ease this burden!

1.  Meal Plan

The number one way I have found to keep those costs low is to meal plan.  Plan out every meal you want to eat for the week.  As you meal plan, write out your grocery list, and stick to this list while you shop.  Having a plan reduces the temptation to impulse shop and eat out.

2.  Walmart Grocery Pickup

Another fantastic way to stick to your grocery budget is to use Walmart Grocery Pickup.  It is completely FREE and you get to shop at home (in your PJs!) and then pick your groceries up at the store.  You don’t even have to get out of your car!!

The thing about Walmart Grocery Pickup is that you are able to watch your cart total on the app as you shop.  If you find you are spending more than your budgeted amount, just delete a few items from the cart!  So easy!  So helpful!

  • Related:  10 Quick Ways to Save Money on Groceries

 

What are the easiest cashback apps for frugal beginners?

I’m always getting asked about the best cash back apps.  And, I love answering this question because cash back apps are one of my favorite things ever!!  I mean you get paid to buy things you would be buying anyways!  It just doesn’t get much better than that!

Here are a few of my favorite:

1.  Ibotta

Ibotta is the cashback app I have been using the longest.  It’s easy, straightforward and always has a few rebates available!  Sign up using this link for up to a $20 sign up bonus!  Whoo!

2.  Fetch Rewards

The easiest cashback app ever is Fetch Rewards.  Fetch Rewards takes less than a minute to use, and rewards you with points for every receipt.  These points can be redeemed for gift cards to your favorite places (Target and Amazon!!).  Try it for yourself here and use code FETCH2K to get 2,000 bonus points!

3.  Rakuten

Another very easy app to use is Rakuten.  Rakuten gives you cashback when you shop online at participating retailers.  I never buy anything online without first checking the Rakuten website!  Sign up today and get $10 bonus when you spend your first $25!

I share more details about cashback apps here!

 

What should my budget look like?  What is normal for our family?

When you are learning how to budget it’s important to remember that no two budgets look the same, and that’s how it’s suppose to be.

My normal will be different than your normal.  What I spend on groceries, will be different from what you will spend on groceries, etc.  This is one of my favorite parts of a budget.  You can customize it and find something that works for you personally!

With that said, I do recommend following Dave Ramseys budget percentages.  These aren’t the law, but I do like that it gives me a basic number to shoot for.

 

 

What can you do when you cut back, budget and still don’t have enough money?

I loved this question; because it is so relatable and a very real situation for many of us.

My first piece of advice is to keep your head up!  You are NOT alone!  There are so many dealing with similar struggles.  I strongly believe that together, we CAN help each other reach our financial goals.  Reach out to facebook groups and instagram accounts that discuss this issue.  Surrounding yourself with others in this situation should give you the strength, support and ideas to help get you through it.

When you have done EVERYTHING you can think of and the money is just still NOT adding up, that means it’s time to take more extreme actions.  Here are a few ideas to take when you need to be “gazelle intense.”

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

 1.  Sell items in your home

Look around your house for items you don’t use very often.  Sell these to earn a little extra money.  My goal is to always earn about $50 each month just by selling my clutter.  It’s possible!

10 Items In Your House You Can Sell Quickly To Make Money 

5 Places Online To Sell Your Clutter and Earn Cash).

2.  Start a side hustle

Try to find another way to bring in extra money.  A side hustle is a job you can do during your free time.  Here are a few side hustle ideas you can do at home.

3.  Make some sacrifices

Look through your budget one more time and find a few things you could cut out to have more money.  Could you stop going out to eat, or maybe you could switch cell companies to lower your phone plan, could you cancel your TV subscriptions or maybe not going to the movie theater?

I know that each of these can and will take a huge sacrifice, but remind yourself that the sacrifice is temporary.

4.  Earn more money

Consider asking for a raise from your current employer.  If you have been working at the same location for over a year, many employers will consider giving you a raise.  It never EVER hurts to ask!  Just ask politely and confidently.

If a raise won’t happen you might want to make a job change.  Begin searching around for a job that will pay better and still make you happy.

5.  Downgrade

If you are in desperate need of more money and none of the other suggestions will work for you, you might want to look into downgrading in a few areas of your life.  This might mean trading in your car for a cheaper model or moving into a more affordable home.

I understand it is NOT easy when the money just ISN’T there.  ESPECIALLY when you feel as if you have sacrificed again, and again and again.  I get it, I have been there!  Keep your head up.  Keep trying.  I believe in you!

In Conclusion

I hope this article answered all of your questions about budgeting and gave you the tools you need to know how to start budgeting!  Feel free to reach out if you have any other questions.  I’m always happy to help!

Remember that learning to budget takes time, and that’s OK!  Don’t give up if you fail the first few times…..keep trying and keep learning.

 

Pin for future reference:

how to start a budget for beginners

budgeting questions and answers

FAQ from Budget Beginners (2)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

I hope this helps you understand how to start budgeting for beginners.

How To Watch TV Without Cable or Satellite

May 2, 2020 By: Sweet Frugal Life2 Comments

Everything you need to know about how to watch TV without cable or satellite.

Truthfully, I use to be so in love with my cable TV (this was back in my non-frugal days).  I remember telling my friends that, “I could never live without my DVR!”  I didn’t even know how to watch TV without cable or satellite.

Well, years and years later, I am here to tell you that I CAN actually live without cable (go figure 😉 )!

Five years ago we decided to make some big cuts in our budget.  When the talk of whether or not we should cut out the cable I wasn’t super thrilled with the idea.  But, I wanted to trim our budget and knew that this was a need, not a want.  So, we cancelled it.

And you know what.  There has not been a single day when I have regretted it.  There have definitely been a few times when I have MISSED having cable,  but I have never regretted getting rid of it.  The amount of money that we have saved is so worth it.

If you are wanting to cut costs in your budget, I highly recommend cutting out the expensive cable or satellite television.  I’ll share a few budget friendly alternatives below.

save money today with cheap tv options

“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.

Budget Friendly Cable Alternatives

Fortunately, there are so many frugal tv options available.  It wasn’t even hard to find a few cheaper services for our family.

Free Streaming Apps

The first trick to saving money on TV is to download a few free streaming apps.  Most of these will work on your smart TV or Roku.

  • Peacock:  Sign up for the basic Peacock plan and you will get access to thousands of hours of free movies and tv shows.
  • Crackle:  Crackle doesn’t have a huge selection, but they do have some popular tv shows and movies to watch for free using their app!
  • Pluto TV:  Pluto is a great streaming option because it offers live TV channels, including news, sports and more.  
  • Tubi:  Another great free streaming app is Tubi.  It offers thousands of free movies and TV shows on demand.

Digital Antennae

The next thing we did was buy a digital antennae.  This was a one time purchase of $30 and enables us to get all of the public channels for free.  The only TV we had for a few months was this digital antennae.  If you are on a strict budget, this is the perfect option for you.  It provides great TV with NO monthly payments.  My kids love watching PBS Kids and my husband and I enjoy the news and a few favorite evening shows (I’m talking about you This Is Us).

Library

Did you know that your local library has hundreds of free videos available to checkout??  They do!  If you aren’t using this great service, I recommend starting now.  We love to stop every week and choose a couple of new books and videos while returning the old ones.

  • Related:  10 Free Things At The Library

Young woman watching TV

Streaming Services

Looking for more options than a digital antennae provides?  Check out these affordable subscription services.  They will cost a little bit of money each month, but not near as much as cable costs!

Netflix

Netflix is seriously one of the best inventions ever!  They have just about anything you would want to watch, available 24/7!  Documentaries, horror films, chick flicks, popular TV series, kids shows, and more!  Everything is there!

With plans starting at just $8.99/month, this is a great budget friendly option for TV viewing.

  • Related:  How To Find Extra Money In Your Budget

Hulu

Another great streaming option is Hulu.  They are one of the cheapest options available with the lowest plans only $5.99/month.  One of my favorite things about Hulu is their huge selection of new releases and current TV shows.  You don’t have to feel like you’re missing out on the trending TV series when you use Hulu.

Disney+

One of the newer TV subscription services available is Disney+.  Our family have quickly became huge fans!  We love all of the Marvel and Disney options.  My teen/tween daughters especially enjoy watching the Disney Channel original series (they have never seen any of them before!).  Plans start at only $7.99/month.

Amazon Prime Video

We all love Amazon (don’t we? or is that just me???).   One of the awesome perks of Amazon is Amazon Prime.  With their low price of just $12.99/month you are given access to stream hundreds of popular TV shows and movies, including a few Amazon Prime originals.  PLUS!  Amazon Prime offers access to music, books, two day shipping and more!

  • Try Amazon Prime For FREE For 30 Days By Signing Up Here!

Paramount+

Another new streaming service on the market is Paramount+.  I haven’t tried it yet, but have actually been really excited about it!  It is very similar to Tubi, where it offers live viewing of news, sports and more.  Plus it has thousands of movies available for on demand watching.

 

How To Watch

OK, so now that you now about the different TV streaming services, you might be wondering how to watch them!  I will tell you!  You can watch these streaming services on your smart TV, computer, or phone.

If you don’t have a smart TV I recommend getting a Roku.  The Roku gives you the ability to access all of these subscription services in one easy place.  It is a one time low price and very user friendly.  There are hundreds of apps/channels available to add to your device, some of them are even free…no subscription required!  Yay!

The Results

By only subscribing to a couple of streaming services and cutting out our cable we have saved $500 a year!  This means that in the 7 years since we have cancelled our cable we have saved $3,500!

Just think about what you could buy for $3,500.  I don’t know about you, but I would much rather spend that money on something other than TV.  The little expenses always add up!

 

Pin This Article For Future Reference:

cable tv alternatives

cheap ways to save money on TV

 

 

I hope this helped you know how to watch TV without cable or satellite.

How To Budget For Unexpected Expenses

March 11, 2020 By: Sweet Frugal Life1 Comment

How to handle unplanned expenses in the budget.

Wondering how to budget for unexpected expenses?  You’re not alone!

Every month my husband and I sit down for our monthly budget meeting.  Is it fun?  Nope.  Do I look forward to it?  Big no!  Do I do it anyways because I know it will save me money????  Absolutely!

The monthly budget meeting is the time for us to discuss the previous months budget.  We go over what worked, what didn’t work and we put together a new budget for the next month.

Our budget is a zero based budget, meaning every single penny that comes in during the month is budgeted to a certain category.  There is no excess.  This not only helps keep us on track, but it also means we have to stick to what was budgeted, no exceptions!

We try to brainstorm every expense that is likely to arise over the next month.  Sometimes, we forget something.  And other times expenses arise that we had no way to plan for or expect.

Take last month for example.

We had our budget meeting and thought we were entering the month prepared.  A couple of week later we found out that we were going to have to pay $120 for my daughter to participate in track.

We had already agreed that she would be allowed to do track this year, we just didn’t realize how soon that fee would be due.

So, we went back to our budget and made it work.  We were able to cut a few other expenses down in a different category so that we could come up with the $120.  We have done this enough times that it’s become very easy and low stress.

If you are new to budgeting though, it might feel a little daunting when these unexpected expenses come.  I’m here to give you some pointers and help along the way.

5 Ways You Can Prepare (or tweak) Your Budget for Unexpected Expenses

budget for unexpected expenses -budgeting tips for beginners

Plan Ahead for the Unexpected

It’s not a secret that unexpected expenses happen.  So, it’s our job to prepare ourselves.  Here are two ways you can plan for the unexpected.

Emergency Fund

An Emergency Fund is so important to have at all times.  I can not stress this fact enough, if I could scream it from the rooftops…I would.  Whether we like it or not, emergencies happen!

My daughters track payment was NOT an emergency.  Make sure you only use this fund for true emergencies.  There are other ways to deal with unexpected expenses than dipping into this important account.

Honestly, I use to be someone that thought we were immune to emergencies, those types of things only happened to “other people”……and then one day my husband unexpectedly lost his job.

It was awful.  But.  The one thing that kept us going and kept me calm was the fact that we had an emergency fund in place.  Having that emergency fund in place was one of the only things that kept me going.  I had the peace that we would be OK.

I know that contributing to an emergency fund can be difficult…..especially when you have dozens of bills to pay, retirement to save for, mouths to feed, debt to pay off, and a life to live….I get it!

A few tips to help…..

  • Start small:  Try saving just 2% of each paycheck.  As it gets easier to do, slowly increase that percentage.
  • Set up a direct deposit:  Look into your bank to set up a direct deposit into a savings account (for emergencies only).  This account should be separate from your checking account so it’s harder to use.  When you set up a direct deposit the money is automatically deposited into your emergency savings account from your paycheck (or checking account, depending how it’s set up).  This way you don’t even have the choice to use that money for anything else.  If you never even see it, than you won’t even miss it!

Miscellaneous Category

Another important tip for learning how to budget for unexpected expenses is to include a Miscellaneous Category in your monthly budget.  This category is meant for the unplanned expenses that come during the month.

We put $150 into miscellaneous each month.  This money is used for all of the situations that arise, but weren’t planned for.

When my daughter came to us with the information that it was time to pay for track, we knew we could cover it with our miscellaneous budget.  However, we also knew that we would need to watch our spending in the other areas to make sure that no other “miscellaneous” items arose.

 

 

Fixing Unexpected Expenses

Here are a few ways to make the budget work if you don’t have (or don’t want to use) money from your miscellaneous category or emergency fund.

Pause Spending

If you find yourself overspending in a few of your categories, put a pause on all unnecessary spending for the rest of the month.

This may include stopping things like going out to eat, going to movies or buying clothes.  You might also want to limit your groceries, here are a few ways you can spend less on groceries.

This is not an easy adjustment, but remember it is only temporary.

Make Extra Money

If you need some quick cash, look into some ways to earn extra money.

Consider starting one of these side hustles that can be done from home.

Another way to get some extra money is to sell some items around your house.  This is actually my FAVE way to fix the budget.  All it takes is 5 minutes of taking pictures and writing a brief description of whatever you need to sell, and bam!  You’ve made money!

Here are 5 Websites you Can Sell Your Stuff for Quick Cash.  I prefer Facebook Marketplace, but I’ve used them all!

Take a look around your house to find a few items you haven’t touched for a few years (a basement storage room is usually the first place I look), and list that clutter for sale!  If you need some ideas, I’ve got you covered, just check out my article:  10 Items In Your House You Can Sell Quickly To Make Money

Keep Stepping Forward

The most important thing is that you don’t discouraged when these unexpected expenses arise.

There are always be bumps in the road, but you can overcome every single one of those bumps.  I promise!

No budget is perfect.  Mine certainly isn’t!  But.  I keep trying every month to improve little by little.  Learn from each mistake and keep your head up!

 

Related Articles:

  • Fix Your Budget After a Day of Impulse Shopping
  • Have More Money With The Cash Envelope System
  • 7 Apps That Will Help You Save Money

Don’t forget to Pin this article to save for later:

how to fix budget when there's a problem

how to budget for expenses that come up

 

Share in the comments how you deal with unexpected expenses in your budget??

Fix Your Budget After a Day of Impulse Shopping

February 20, 2020 By: Sweet Frugal Life11 Comments

You can fix your impulse shopping mistakes!

It happens to every single person…..and it usually happens more than once.  Everyone goes through moments of weakness when they throw all their common sense out the window, ignores their budget, and spends a day impulse shopping.

It actually happened to me just last week.  Yep.  You read that right!  Miss Sweet Frugal Life ignored her own advice and didn’t stick to her budget.  (not perfect!)

8D0F3327-73D8-4A70-B2D8-A8B1C6414A58

Let me start at the beginning.

I have been slowly trying to decorate my music room.  When we moved into our house three years ago this room sat completely empty.  We have had to buy all new furnishings, and it has been expensive.

But, after years of buying a few pieces every month, I could finally see the finish line!  All I needed was a few items for the walls and then it would be done!  (yaaay!)

We did everything “by the book.”  Budgeted $50 for two frames from Hobby Lobby, stuffed my cash envelopes with the exact amount.  And I went shopping.

After a quick browse through the clearance section, I walked straight back to the frames.  Unfortunately, while on my way I walked past a picture that stopped me in my tracks.

661D0383-E724-48B3-AA04-F0B48AAD386D

It was perfect and EXACTLY what I needed to finish decorating my music room.  I honestly thought that this picture was made for my house.  The colors and the style was just what I wanted and I already knew which wall I would hang it on.

I KNEW that I shouldn’t buy it, I understand Spending Triggers and I teach people daily how to avoid them.  So, I stood in the exact same spot at Hobby Lobby for ten minutes while an internal debate ensued in my head.

I knew I shouldn’t buy it, I only had enough money in my cash envelope to purchase the two frames, and I REALLY wanted the frames.

The Sad, Truthful Results

You all know how the story ends.  I let out a sigh, threw caution to the wind, and bought that picture using my credit card.

I’m not proud of this moment.  I sure wish I could tell all of you that I’m perfect ALL of the time and never impulse shop!  But, that just would not be true.  I’m just a regular lady trying my best….and sometimes that means failure.

But, you know what!  You can recover from impulse shopping.  There are things you can do to fix your mistakes.

Here are a few ways you can recover from impulse shopping.

04EC4430-D79E-48EC-B9E2-5C61354EB4EA

Give it a Day

Do not take off any tags or packaging for at least one day.  Set the item somewhere in your house where you will look at it often.  This will give you time to decide if you TRULY TRULY want to keep what you bought.

Most of the time when I do this exercise I learn quickly that I don’t want the item as much as I thought I did while at the store.  The guilt usually gets the best of me and I decide to take it back to the store.

Other times, such as the case of this picture, I decide that I do really want to keep it and I am pleased with the purchase.

Return It

When the guilt is more than you can handle you should take whatever you bought back to the store and return it.  You can return just about anything, and it’s always super quick and easy to do, just make sure to always keep your receipts for a smoother process.

Whenever I return an impulse buy I immediately feel the guilt being lifted from me.  I have NEVER regretted a return….but I HAVE regretted many purchases….think about it.

Sell Something

If you decide you DO want to keep your purchase, which is fine, you will need to come up with extra money to cover the cost.  One of the quickest ways to earn extra money is to sell something.  If you’re stumped on what to sale, check out this article for a few ideas.

This is what I decided to do last week, I had a lamp in my music room that I liked, but I just hadn’t been loving.  I had been contemplating getting rid of it for months and knew that this was the perfect time to do so.  I quickly listed the lamp on Facebook Marketplace and was able to earn $40 from it!  This easily covered the cost of the picture (plus an extra $10)!

E461107A-FFC8-4DDD-9DEF-2E631B5599D1

  • Related:  10 Secrets to Spending Less at Target

Adjust Your Budget

If you want to keep your impulse buy, and don’t want to sell anything, than you will need to find some extra money within your budget.

It is perfectly acceptable to move money around in your budget from time to time.  Try not to make a habit of it, but occasionally will be fine.

Take a good look at your budget and see if there is anything you can adjust to cover the costs of what you bought.  Could you cancel your plans to go out to dinner that night?  Or pass on a new pair of shoes?  Find something (anything!) you can do without for this month and use that money to cover the cost of your purchase.

Side Hustle

If the amount you spent was considerably high you might want to consider getting a temporary (or permanent even!) side hustle.  Is their a skill you have that could bring in a little extra money?

Perhaps making and selling a craft?  Babysit a child?  Dog walk?  Clean houses?   I truly believe EVERYONE has MULTIPLE talents they can offer to the world to bring in extra cash.  Make a list of your talents and choose one or two to turn into a side hustle.

  • Related:  12 Side Hustles for Stay at Home Moms

In Conclusion

Honestly, I’m glad I came across this picture.  It completed our music room and it’s a purchase I am so happy with!

9DE41029-C9EB-44E3-A49F-84AFF5CB2C36

BUT…..I should have waited to buy it until we budgeted the money for it.  I made a mistake!  However, I learned from the mistake!  And next time I will not make the same mistake again.

Budgeting, frugal living is not about perfection….it’s about PROGRESS!  Two steps forward, one step back is ALWAYS better than standing still.

Liked what you read?  Pin it for later reference!

how to stop impulse shopping

You might be interested in a few of my other articles:

Budgeting for Beginners: FAQ

A Financial Tale of Two Sisters

What I have learned about living a sweet and frugal life on ONE income

Don’t stress next time you impulse shop, you can fix it!

Restock Your Pantry after a Pantry Challenge

February 1, 2019 By: Sweet Frugal Lifecomment

Pantry Challenge Tips

I recently completed a successful pantry challenge.  The goal was to cut my regular monthly grocery budget ($400) in half.  By doing this we would focus on eating the items I already had stocked in my freezer and pantry.

Fortunately, I had many friends on Instagram join me in this challenge.  I loved watching all of the progress and having a group to encourage each other and share all our frugal ideas.  Be sure to check out this article if you want to have your own pantry challenge and save money with a pantry challenge.

“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.”

What’s Next?

My most asked question about this challenge has been, “Will you spend a lot of money on groceries in February to restock the pantry?”  The answer is No.  That would defeat the whole purpose of the challenge.  Today’s article is going to explain how I will slowly restock my pantry while staying in budget!

ways to restock your pantry and stay in budget

Here are five ways I slowly restock my pantry:

1.  Budget for the Pantry

I have a weekly budget dedicated to pantry stock up.  My current budgeted amount for pantry stock up is $15 per week.  This pantry money is taken out of our $100 weekly grocery budget.  Because it has been budgeted and planned for, restocking doesn’t require any extra money or stress, just the way I like it!

Some weeks the pantry budget is spent at local sales.  Other times it’s stashed away to save for another week.  It all depends on our current needs.

2.  Buy Multiples

Next, get into the habit of buying multiple items at the grocery store.  The way I see it, if I’m going to buy one item, and I have a few extra dollars in my budget, than I might as well grab a few more.

I do 90% of my shopping using Walmart’s Free Grocery Pick (get $10 off your first order using this link).  I love this service for about 1 million reasons (really), but a huge reason is the ability to watch my grocery total as I add and subtract items to my order.  Whenever I am below my budgeted $100/week, I will add on a few more pantry staples.  As a result, this helps my pantry to grow and keeps me in budget.

3.  Buy in Bulk

Watch for opportunities to buy grocery items in bulk.  Many groceries will be priced much lower if it is bought in bulk, but not all.  Remember to always check the price per unit to make sure you are getting the best deal.

One of the ways I shop in bulk is by shopping local grocery case lot sales.  To find a case lot sale near you be sure to talk to your local grocer.  In many areas these sales might be called different names or even unadvertised.  So, don’t give up easily!

Another way I love buying in bulk is through a meat co-op.  I have recently started buying my chicken from Savory Butcher.  Their chicken is priced right and are delicious high quality.  If you need some direction of what to do with your bulk chicken read my article; What to do with your bulk chicken; including 6 Freezer Chicken Recipes.

4.  Shop Sales

One of my favorite ways to restock a pantry is by shopping the sales and deals.

My favorite app to check for deals is the Flipp app.  It is completely free to download and extremely user friendly, just the way I like it!

The app is updated weekly as the new grocery ads come available.  I browse it every week to find what the sales are and plan my menus/pantry stock up around those deals.  Many weeks I can’t find anything worth buying, but other times I find some really great deals worth buying.

  • Related:  10 Quick Ways to Lower your Grocery Bill

5.  Take Advantage of Cashback

Always, ALWAYS take advantage of the cashback apps available!  These are not huge money savers, but every.single.little.penny adds up.  For example; whenever I see my husband throwing away a receipt without scanning it for cashback I ask him, “Would you throw 25 cents in the trash???”   Of course he wouldn’t.  But essentially you are losing out on free money if you toss a receipt without first scanning it into the apps.

A few of my favorite cashback apps for grocery shopping are:.

Ibotta:  This is my most used app.  Ibotta offers cashback on hundreds of items every time you scan your grocery receipt.  My favorite cashback offers are the “any brand” items.  These offers include items in the dairy, produce, and other grocery departments.

*If you sign up for Ibotta using my link you will receive  a free $10 bonus!

Checkout 51:  Checkout 51 is similar to Ibotta, in that it gives cashback on participating items when you scan your receipt.  However, they don’t have as many offers as Ibotta, but it is still always worth checking.                                                                                                                        

*If you sign up using this link you will receive $3 when you redeem your first offer.

Fetch Rewards:  Fetch Rewards is so easy!  This is by far the most user friendly app.  All you do is scan your receipt and you automatically earn points.  These points can be redeemed for gift cards to just about anywhere.  My favorites are Target and Amazon.  I really like Fetch because you can redeem your points at as low at $3.

*Use the code: FETCH2K for an automatic 2,000 points ($2) when signing up.

I will be using each of these 5 strategies as I restock my pantry AND stick to my normal budget. The most importantly thing to remember is that nobody is perfect.  We all need to keep trying day by day!

In Conclusion

As a result of the pantry challenge last month I saved $200.  I know it will take a few months to restock my pantry, but I know it’s worth it.  The pantry challenge gives me more than a couple extra hundred dollars.  More importantly, it teaches me how to cook more at home, shop smarter and budget better.  That is priceless!

Related Articles:

15 Easy Pantry Dinner Ideas

Cheap Foods to Buy For a Well Stocked Pantry

Liked what you read?  Pin it to use for your next pantry challenge!

pantry challenge tips

easy pantry challenge tips - how to stock your pantry easily

I hope this gave you some good pantry challenge tips!

Unemployed: What I learned the hard way.

December 17, 2018 By: Sweet Frugal Life14 Comments

My husband, three kids and I experienced months of being unemployed.  This is something I wouldn’t wish upon my worst enemy.  This post is true, honest and raw about our experience.  I hope it can help others feel heard in similar situations.

87279879-11CB-41EB-B623-97631E55A944

I’ve tried to write this story many, many times.

I’ve typed, and deleted more times than I can count.

It’s hard to share about a time in my life when my thoughts were so dark, my joy completely gone, and my shoulders heavy with burdens.  This is a time in my life when I would wake up every single morning with tears in my eyes and panic in my chest.  The moment I opened my eyes was the hardest part of my day.  The realization that I was going to have to live another dark day was almost more than I could bear.

I still have some PTSD from this situation.  My heart still clenches every time someone says the word “unemployed.”  The memories come back into my mind and I am reminded about the pain and stress during this time of my life.  It is hard to talk about, hard to relive it all.

And, yet, I know that others deal with much worse.  This small trial in my life is so small compared to what others go through.  I am so embarrassed that I wasn’t able to handle it all with more strength and courage.  I am embarrassed that it affected me so deeply and sent me into a dark depression.  I am embarrassed that others go through heartache after heartache, burden after burden, all with a smile on their face……and I couldn’t even handle this.  It makes me feel weak and full of shame.  I wish I would have, could have been stronger and better through it.  But, I wasn’t.

4 years ago my husband came home and told me he had lost his job.

My world immediately came crashing down on me.  I still shed tears every October 8 at 1:36 PM.  The moment everything changed.

The next 7 months was a nightmare.

I found myself checking and rechecking our bank account.  Calculating and recalculating how much we spend each month and how much we can cut out.  Every penny spent was like a kick in the gut.

I found myself worrying about all of the “what ifs.”  What if he can’t find another job.  What if we have to relocate (for the 4th time!).  What if I have to go back to work and leave my favorite job in the world as Stay at Home Mom.  What if we will never be able to afford to retire.  What if we won’t be able to send our kids to college.  What if we have to take my daughters out of gymnastics and piano lessons.  What if we can’t afford to buy the kids Christmas presents.  What if life will never be the same again.  What if we lose everything.

I worried about my husband.  Worried about his confidence, self-esteem, and pride.  I worried about my children.  I worried about the stress and burden they would have to feel.  I worried about our future, our present, and everything in between.

We began conversations about medicaid, unemployment and food stamps.

We felt like failures.  Failures as parents.  Failures as adults.  Failures as people.

We didn’t want anybody to know.  We didn’t want the judgments or the whispers.  They all found out……but nobody said anything, and that felt almost worst.

We wanted everyone to stop pretending like everything was normal.  As neighbors would smile at me and say in passing, “Hey, how’s it going?”  I knew the response they expected was, “Good, how are you?”  When really I wanted to scream at them, “I am miserable!  My husband is miserable!  We are crying every second behind closed doors and yet here you are wanting me to smile and make fake conversation!”

Or, there was the family members who planned a family get together that would require everyone to spend a lot of money in order to come.  I couldn’t understand how anyone could be so inconsiderate.  Do they not realize that we have ZERO money coming in right now and every penny spent feels like we are one step closer to living on the streets?  It hurt.  It hurt really bad.

These are not easy things to admit.  I told you that I wasn’t in a good place at this time.  A better person would have handled it all better.  A better person wouldn’t have gotten so upset…..but I wasn’t that person, and I am ashamed by it.

Not everyone was insensitive to our situation.  Their was the neighbor that held me for 10 minutes as I cried and cried.  My sister who allowed me to vent all of my frustrations day in and day out and never judged or condemned my feelings.  My dad who hired my husband for odd jobs and used his personal connections to try to network for us.  The many secret envelopes of money that showed up at our doorstep right in time for Christmas.  We had many many earthly angels placed in our life at this time.

My husband is an amazing man and an extremely hard worker.  He immediately updated his resume and spent every single day visiting local businesses, trying to network and make connections.  He would call and stay up to date with everywhere he placed his resume.  He spent hours browsing the internet looking for any new positions posted.  He picked up every side job he could find.  He hung Christmas lights, worked for a sod company, stained a pig pen, bottled milk at a dairy plant, and hired himself out as a handy man.

We started out with the hope that he would only be out of work for a few weeks.

Weeks turned into months.  7 months went by and he began sending his resume further and further away.

He had a few interviews.  He even had a job offer, which suddenly disappeared one day.  And that was my breaking point, the moment I felt as if I had been thrown in a deep dark hole and all hope was lost.

And then a miracle happened.

He decided to look on Craigslist again (which had always been a dead end in the past).  He found a job posting for what looked like the perfect fit.

The ironic thing about this posting is that this was the very first business he stopped by that first day of being out of work.  They had told him they weren’t hiring.  7 months had changed that.

He sent in his resume.  Didn’t hear anything.  He called them a week later to check up.  He was offered an interview.

He showed up for the interview the next day and was shocked when he was greeted by two of his good friends from college.  They had graduated in the same program together, worked on research projects together, and then had gone their separate ways.  That was 10 years ago.  These friends vouched for him and were a huge part of him getting this job.

The interview went well, but we had gotten our hopes up far to many times and feared another letdown.

Three days went by without a word.  Again, my husband called to check up on his status.  He was offered the job on the spot.  This was his dream job.  A perfect fit for him and our family.  Do you believe in a higher being?  Because I do.  And, I believe He helped my husband find this job.  The friends that were vital to him getting this position, both left the company just two months later.  Coincidence?  I think not.  This all happened as it was suppose to.

Why am I telling you this?

So that you understand why am I am the way that I am.

I am a natural spender.  (Read my post A Financial Tale of Two Sisters for more info on that).  Before this experience I lived fairly frugal.  I didn’t have any debt, I made 80% of our meals at home, and I tried to save a little from each paycheck.

Yet, I didn’t stick to a budget.  I didn’t blink an eye when I would drop $200 at Target.  I impulsed shopped.  I bought what I wanted, when I wanted.  I used the phrase, “I deserve this, so I will buy it” far more than I would like to admit.  I assumed life would always be easy and there was really no reason to worry about money.

I was wrong.  So very wrong.

When we spent these 7 months unemployed and I felt all of the many heartaches and pressures of finances, constantly worrying and wondering if we would have enough to survive; I learned just how important the value of a dollar is.

I vowed to never feel that way again.

I can’t control whether my husband loses his job again or not.  But, I can control my spending and my saving.

I realized that when there’s a will, there’s a way.

We learned to live life without ever going out to eat.  I figured out how to cut my grocery budget (something I had always deemed “impossible” before this).  I learned to shop at the thrift store, to use what we already had on hand.  I learned to say “no.”  I realized just how much unnecessary spending I had been doing, and just how wasteful it all was.  I learned that all of my excuses, were just that, excuses.  When we absolutely HAD to cut our spending, we DID it!

I worried a lot about my kids…..I didn’t want them to feel these adult burdens.

Immediately after losing his job, my husband and I sat our children down and told them through tears what had happened.  We explained to them that things were going to have to change as we needed to be more careful with our money.  Our kids cried and cried as we hugged them and told them everything would be ok…..all the while I was secretly wondering, “would it be ok?????

About 5 months into unemployment my oldest child announced, “Nothing has really changed!  It feels the same as it did before!”  I was so relieved to hear her say this.

The thing is, everything had changed.  I was spending 75% less each month than I had been before.  Yet, my kids were obviously not hurting.  This taught me that kids do NOT need a lot of money spent on them in order for them to be happy.  They were perfectly content with the simple life we had created.

This is why I am frugal and why I would rather have money in the bank than stuff in my house.  Saving money brings me the security and assurance that we will be taken care of if we ever find ourselves in this situation again.

I have learned that I can live on MUCH less than I had originally thought.

It is not always easy for me to live frugally.  I make mistakes, I get lazy.  But, when the thoughts and emotions of those horrific 7 months come back to my mind I am reminded that it is ALL worth it!

And THIS is why a spender learned to be a saver.  THIS is why I live a frugal life.

 

Related:

When FAMILY becomes more important than the SIDE HUSTLE

Budget for Joy

Financial Tale of Two Sisters

When my husband was unemployed I reached my lowest low.  I'm sharing all the truths about this experience now.  | unemployment | unemployed support | experience a layoff #housewife #unemployment

Have you experienced a season of being unemployed?  Share your experience below!

FIRE: Here’s why I don’t participate.

September 26, 2018 By: Sweet Frugal Life9 Comments

I’ve been asked a few times my opinion about spending money on life experiences right now, or if it’s best to keep saving and wait for the future.  The obvious answer from a frugal, budget loving blogger, who loves to encourage everyone to spend conservatively and plan for their future, would be to advise everyone to wait until later and build your wealth now.  The FIRE (Financial Independence Retire Early) Movement continues to gain popularity.  I love the idea of sacrificing now to enjoy life later, and completely support those who are working towards FIRE.  However.  I actually believe in the importance of budgeting for joy.  In THIS moment….because, you know what, those golden years you are anxiously waiting for, they just might not come…..

My sweet mother was a huge saver.  I have learned ALL of my frugal ways from her.  And, the truth is……I’m still not as frugal as she was, I don’t think I’ll EVER be as frugal as she was.

I think the thing I admire most about her is the fact that she did not need to be frugal, she had a very comfortable income.  She chose to be frugal because she understood the value of saving money.

She passed away when she was 48.  I was 22.

Losing her at such a young age has had a HUGE impact on the way I view life.  I have developed the mindset that life is temporary, short, and fragile.  It is a gift to be treasured and celebrated.

  • Related:  A Financial Tale of Two Sisters

I am fairly confident in saying that my natural instincts would be to work towards FIRE; to save EVERYTHING for the future and look forward to enjoying life once that comfortable retirement kicks in.

But…..my life experiences have taught me a different lesson.  Sure, I do believe in saving for your future…..I also believe in spending some money on enjoying life in the present.

It’s important to focus on BALANCE.

It MUST be a priority to pay off all debt, save aggressively for your retirement, save to send your kids to college, try to build wealth, etc…..

At the same time, you need to budget for a little bit of JOY.

This does NOT mean it’s ok to go on a luxury vacation while charging everything to your credit card.  And it’s definitely NOT an excuse to blow your budget because you are “enjoying life.”

It does mean it is ok (and I would argue important) to give yourself some fun money, take a break every now and then, explore the areas around you, and LIVE life to it’s fullest.

This will look different for everyone.  For some this could be a weekend road trip, others might prefer a quiet stay cation.  Do what sparks joy for you, this will look differently for everyone.  (and…you know what, it actually doesn’t need to cost a lot of money to have meaningful, joyful experiences!)


In conclusion, be intentional with your spending.  Intentional with saving money and intentional with budgeting and building wealth.  But also, be intentional with your life experiences.  Life is to short to only enjoy it when you get older…..make sure you are experiencing it right now too!

I would love to know your opinion on this subject!  We each have had different life experiences that have shaped us into the people we are today.  Do you agree or disagree with my thoughts?  Are you trying to be intentional with budgeting AND enjoying life?  Do you budget for joy?  Let me know in the comments!!

 

Pantry Challenge Tips to Save Money on Groceries

August 1, 2018 By: Sweet Frugal Life7 Comments

How to save money on groceries with a pantry challenge.

I just finished a month long pantry challenge!!  It was such a great way to learn more about my spending habits and how to cook frugally.  I’m excited to share some of those pantry challenge tips with you! 

A pantry challenge is a challenge you can take yourself (or as a group) that is meant to encourage you to eat food items you already have at home (pantry, fridge, freezer, shelves, etc.), instead of spending money at the store on groceries.

For my pantry challenge I decided to cut my regular grocery budget of $400 a month in half.  This would mean I could only spend $200 for our family of five.  Honestly, this was no easy task and I was incredibly intimidated from the beginning, but I was determined to make it work.

  • Related:  How a Pantry Challenge Will Save You Money

The pantry challenge is now officially over (thank goodness) and I am proud of how the challenge went.  I would LOVE to say that I met goal….but I didn’t quite accomplish that…..I went over budget by $1.98.  My grand total spent was $201.98 on groceries for our family of five….and you know what I am so PROUD of MYSELF!!!

I wanted to share all about how I was able to make it work and what I learned during the process.

A24580DA-9202-4DA2-AB20-FCF5A2A36916

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!

Make a Plan

One of the most important pantry challenge tips is to plan ahead.  A detailed meal plan is vital to being able to see success with a pantry challenge.  I learned quickly that if I planned every meal and snack with great detail I wasn’t as tempted to go buy something at the store.

  • Related:  Start Meal Planning For The Complete Beginner

At the beginning of each week look through your pantry and cupboard and make an inventory of the food you already have in your home.  I was always shocked at how much food I could find…when I kept thinking, “We don’t have any food at home.”  We did, we had food at home, I just needed to look harder!

I was able to eat out of the pantry exclusively about 50% of the time.  The other 50% of the meals I tried to only plan really frugal meals with only a few cheap ingredients I would need to buy.

3F60DC5D-C6C2-41DE-9700-83C27D993D08

 

  • If you struggle with meal planning, try eMeals!  They take all the guess work out of meal planning!  For a small fee you will receive meal plans, shopping lists and recipes to help you eat at home more.  Try it out with this FREE 14 Day Trial.

Successful Meal Plans

I listed out a few of the meals and snacks I found to be the most helpful in keeping the grocery costs low.

Breakfasts

Fluffy Eggs

Pancakes

Eggs and Toast

Oatmeal

Breakfast Potato Casserole

Slow Cooker Oatmeal

Lunch

Muffin Tin Lunch

Sandwiches

Salad from Garden

Leftovers

Dinner

Freezer Burritos

Layered Zuchinni

Spaghetti

Taco Soup

Balsamic Chicken

Pasta Bake

Taco Tortilla Soup

Grilled Chicken

Korean Beef

Baked Island Chicken

Snacks

Pretzels

Homemade Cookies

Energy Bites

Popcorn

Canned Fruit

Bananas

Homemade Pudding

Homemade Bread

 

 

Grocery Shopping

When it comes to a pantry challenge, grocery shopping can get stressful.

But, fortunately Walmart Grocery Pickup makes it all so much easier (hello, shopping in my PJs and groceries loaded in the car FOR ME!  Sign me up!).

With my $200 monthly grocery budget, I was only allowed $50 a week.  One of my favorite things about Walmart Grocery Pickup is the ability to watch my cart total while I’m shopping.  (I know I COULD use a calculator at the store, but I’m just not great at it….) Being able to see how much I’m spending WHILE I’m shopping was crucial for me during this challenge.

If my cart ever went over the $50 amount I knew I needed to go back through the cart and delete a few items.  This was MUCH harder to do than I had anticipated!  My family all had to sacrifice a few items we were use to having regularly in order to make the month work (I totally had to give up my daily Premier Protein Shake!  ;( ).

  • BONUS:  Get $10 off your first Walmart Grocery Pickup Order of $30 or more with this link!

How to Get Family Support During a Pantry Challenge

It’s really helpful to have your family support during a pantry challenge.  I mean, they are going to be eating the food too!  But, sometimes this is easier said than done.

I would LOVE to tell you that my family was totally on board and excited about my little July Pantry Challenge Experiment……but, they actually hated the whole thing.  They couldn’t believe the lack of food I was bringing home from each grocery pickup trip.

My daughters enjoy baking in the kitchen, so I tried to get them excited about helping me make a lot of our homemade snacks.  They enjoyed this….for a while.

As the month went on my family became more and more tired of our pantry challenge.  The biggest problem was the snacks. 

Unfortunately, my family is use to having snacks available in the pantry, and snacks just couldn’t fit in my budget this month. 

Something that worked well for us was making a list of snacks that we had available.  This sign was hung on the fridge for everyone to see.

So, whenever anyone complained about there being “No snacks”, I pointed them to the list.

I think they had gotten so use to those convenience snacks (not awesome parenting, I know) that they had forgotten about all the other great options we had.

1BAD26E9-1F8C-493F-BD11-70DA82842DDE

 

Even though my family didn’t necessarily ENJOY the pantry challenge, I am really glad they were able to go through it with me.  It was such a good life lesson for my kids to learn about stretching dollars and how much food really costs.

What I learned

My biggest takeaway from the July Pantry Challenge is that I CAN live on less than I usually do. Yes, it took A LOT more effort, (preparing a lot more food from scratch and a lot of time planning), but I CAN do it!  We survived.

Moving forward I have a new sense of motivation to stay in budget, shop my pantry, and really spend with a purpose.  I’ve always told myself the lie that I HAVE to spend money on this food because we NEED it……but, we don’t!  We were just fine having less food around.  I am excited to take this new knowledge and adjust my grocery shopping from here on out.

  • Related:  Restock Your Pantry after a Pantry Challenge

What’s Next

My pantry challenge is over!  Does this mean I get to spend a lot of money next month restocking my shelves?????  Absolutely NOT!

I will be going back to my regular grocery budget of $400 a month.  Of course, I will slowly try to restock my pantry, but I will always stay within that $400 budget.

I honestly was terrified for this challenge, I really didn’t know if I would be able to meet my goal, $400 a month is usually a little bit of a challenge.  But I did it, and I’m so glad I was willing to try!  If you are wanting to find a way to save a little extra cash, try having your own personal Pantry Challenge.  Be sure to come back and let me know if you did it and how it went!!

Related Articles:

25 Items You Must Have In A Frugal Pantry

10 Quick Ways to Save Money on Groceries

Pin for The Next Pantry Challenge:

what is a pantry challenge - how to do a pantry challenge

tips for a pantry challenge - save money on food

I hope these pantry challenge tips helps you to save more money.

Next Page »

Hello! I’m Melanie!

Follow me on social!

Want more frugal tips?

Terms and Conditions

Disclaimer

Copyright © 2023 · Modern Blogger Pro on Genesis Framework · WordPress · Log in

This website uses cookies to improve your experience. We'll assume you're ok with this, but you can opt-out if you wish.AcceptReject Read More
Privacy & Cookies Policy

Privacy Overview

This website uses cookies to improve your experience while you navigate through the website. Out of these cookies, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. We also use third-party cookies that help us analyze and understand how you use this website. These cookies will be stored in your browser only with your consent. You also have the option to opt-out of these cookies. But opting out of some of these cookies may have an effect on your browsing experience.
Necessary
Always Enabled
Necessary cookies are absolutely essential for the website to function properly. This category only includes cookies that ensures basic functionalities and security features of the website. These cookies do not store any personal information.
Non-necessary
Any cookies that may not be particularly necessary for the website to function and is used specifically to collect user personal data via analytics, ads, other embedded contents are termed as non-necessary cookies. It is mandatory to procure user consent prior to running these cookies on your website.
SAVE & ACCEPT