• When Not to Feel Guilty About Spending Money…

    When it comes to spending money I usually have the motto, “Just don’t buy it.” This motto has served me well.  It has helped our family survive a crushing job loss, save for retirement and our kids college funds, build up sinking funds, and allow me to continue my favorite job as stay at home mom. However, when you live very frugally and are tight with money, it’s fairly common to develop some spending guilt.  Have you ever experienced this???? Spending guilt is actually a very good thing, even necessary in some cases.  It can give us the extra kick we need to stop overspending and to start working towards…

  • The 2019 Master Your Money Super Bundle Might Be For You If….

    I am an affiliate with Ultimate Bundles.  I will receive compensation from purchases made through links in this post.  All opinions are my own. I purchased the Master Your Money Super Bundle back in April and have been so happy that I did.  This bundle has taught me a lot about saving money, living frugally, and budgeting, and I already knew a lot, so that is saying something. The Master Your Money Super Bundle is a collaboration of a few favorite frugal/budgeting bloggers.  Each of these bloggers submitted their highly sought after eCourses, workbooks, printables, and more into ONE LARGE bundle.  And because these products are all being bundled together…

  • Work From Home with EF Education First

    This is a sponsored post.  All opinions are my own. We all know how important a side hustle can be.  Side hustles can help you to pay off debt, save extra cash, contribute to your sinking funds or emergency fund, and meet your financial goals. A good side hustle is an excellent way for a stay at home mom to contribute to the household finances, or a working professional to earn extra money during their spare time, all while working from home. One of the most popular (for good reason) side hustles is to teach English online to kids in China.  This is an opportunity that allows you to work…

  • 10 Free Ways to Honor Your Dad

    10 Ways to Show Dad You Care, Without Spending a Dime

    I am a member of online affiliate programs.  I will receive compensation from purchases made through links in this post.  All opinions are my own. Do you ever want to gift your Dad something extra special…..but constantly draw a blank???   This is how I feel every.single.holiday. I am constantly racking my brain for that perfect “knock your socks off” gift…..but, I am also on a tight budget and don’t want to spend a lot of money on this gift. This makes it so difficult! You know what I have learned though???  My dad doesn’t want me to spend a lot of money on him!  Sure, he wants to be loved…

  • 10 Quick Ways to Lower your Grocery Bill

    I am a member of online affiliate programs.  I may be compensated by purchases made through links in this post.  All opinions are my own. Groceries is one of the biggest monthly expenses.  And, unfortunately food prices continue to rise every day. The good news is that you CAN use a few tricks to lower these costs, and still eat well. 10 Quick Ways To Lower Your Grocery Bill 1.  Meal Plan Make a meal plan for all of your weekly meals and snacks.  Browse through pinterest boards, and recipe books to give you fresh ideas of what to cook each week.  As you meal plan, make a list of  groceries…

  • The Best Tips for Budget Travel

    Over 20 Tricks for Travel on a Budget

    I am a member of online affiliate programs.  I will be compensated for purchases made from links in this post.  All opinions are my own. Do you long to to see the world, but finances are always holding you back?  I get it, I have this inner struggle almost daily.  But guess what I have finally learned……you CAN travel while on a budget! We have successfully traveled to Disneyland, Kauai,  New York City, and more, all without spending a fortune.  You can do it too!  You can travel, make memories, and see new places….no matter your budget! Today I’m sharing 17 of my Favorite Budget Travel Hacks!  I also asked…

  • How to Budget With Sinking Funds: Your Complete Guide to the Most Asked Questions

    A few months ago my husband and I were able to go on a trip to New York City.  It was a trip of a lifetime and we had the time of our lives!  I am frequently asked how we save for travel and other large expenses.  My secret??  Sinking Funds! Do you use sinking funds in your budget??  If you don’t use them yet, I strongly suggest beginning immediately!  They have enabled me to save up for the things we want, and the things we need; and they allow me to enjoy spending GUILT FREE.  I’ve realized recently that a lot of people don’t even know what a sinking…

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

    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. I get a lot of comments and messages on Instagram; and a few of them just break my little heart! These messages are from those that feel they have done every single thing they can think of to find extra money in their budget, but there is just nothing left to find.  These people have cut ALL unnecessary spending, only paying the bare minimum to live and they STILL can’t find any extra money in the budget. If you can relate to this in any…

  • 10 Gifts for Mom Under $10

    I am a member of online affiliate programs.  I will be compensated for purchases made through links in this post. Mothers Day is just around the corner and now is the time to start planning!  Remember to include Mothers Day Gifts in your May Budget so that the expense is planned for and expected! I am a HUGE advocate in the sentiment that “it’s the thought that counts, not the price tag.”  You can celebrate your Mother without having to spend a lot of money.  Check out my article; Mothers Day Gift Guide: 15 FREE Gift Ideas for 15 gift ideas for your mom. If free isn’t your thing and you…

  • 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…