• 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…

  • 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…

  • 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…

  • Budget for Beginners: FAQ

    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.” I receive so many messages on a daily basis from people wanting to start managing their money and living frugally, but they don’t know how to take that first step.  It is always so amazing to me when I see others who wans to improve on their life and financial situation, it can be scary trying to make such a big change into the unknown.  There can be a lot…

  • How to Move While on a Tight Budget

    My husband and I have had plenty of practice moving! We have been married 14 years and in that time we have moved 9 different times.  This includes 6 different cities and 4 moves across the state border.  We have made many mistakes along the way, and over time have learned the best ways to keep the move simple and most importantly, frugal. I wanted to share a few of the tips and tricks we have learned a long the way to help you on your upcoming moves. 10 Tips for Moving on a Budget 1.  Budget The moment you know you will be moving, make a plan.  Set a…

  • Overspending Triggers and Solutions

    Some days I feel like my spending habits are right on point.  I am sticking to my budget, spending wisely, and stashing lots of money away into savings……. But then, I have other days when I STRUGGLE!  I shop impulsively, I buy things without even checking the budget and I develop a “I need it so I get to have it” mindset. Does ANYONE else have this happen???? Obviously I know I shouldn’t spend this way.  Yet, I tend to ignore the voice of reason and spend. I have learned that these overspending urges are usually the result of a trigger.  SOMETHING going on in my life (usually emotionally for…

  • 10 Tips to Stop Impulse Shopping

    Let’s talk impulse shopping. Truthfully??  I have always struggled with impulse shopping and I am constantly trying to stop. Do I budget?  YEP!  Do I love to save money and watch my bank account grow?  ABSOLUTELY!  Yet, I STILL impulse shop!  (you win some and lose some right???) Fortunately, I have learned many lessons through the years and my impulse shopping has decreased (I still have a ways to go however!). 1.  Admit you Have a Problem The first step to curing impulse shopping is to admit you have a problem.  It’s normal to want to rationalize your purchases.  You might be using phrases like, “Oh, but it was on sale,…

  • Why we Cut the Cable and NEVER looked back!

    “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. I remember telling my friends that, “I could never live without my DVR!”  I loved having my DVR and being able to record shows whenever I wanted and watch them whenever I wanted.  I loved skipping through commercials and I really could never imagine myself going back to life…