• 12 Side Hustles for Stay at Home Moms

    This article contains affiliate links.  I will receive a commission off of purchases made through my links.   One of my very favorite joys in the world is to be a stay at home mom with my sweet kids.  I wouldn’t trade this opportunity for anything! But, as my kids have grown older and I have had more free time, I have been looking for ways to earn a little extra income, without having to give up my time with my kids. I brainstormed a list of ideas for any of you moms who might also want to earn a little extra money on the side! 1.  Clean Businesses or…

  • Here’s What You Should Do When Unexpected Expenses Arise

    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 and I love to save 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 budget for the new 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…

  • A Month of School Lunchbox Ideas

    After writing A Month of After School Snacks, I decided to start documenting our daily packed lunchboxes.  These are all very basic lunches, nothing fancy here. but this is our real life.  Real talk from a busy frugal mom who is trying her best to save money and raise great kids. I am able to save roughly $350 per year simply by packing a lunchbox for my kids to bring to school.  It is one of the ways we cut unnecessary expenses from our monthly budget. My parenting philosophy is always, “Keep it Simple.  Keep it Frugal.”  This article will not show you fancy ways to prepare your kids foods or…

  • Stock Piling your Freezer: How to freeze Pancakes for a Quick Frugal Breakfast

    “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 really think my mom was supermom.  Granted, I didn’t think that when I was growing up….but now that I have become a mom myself, I am able to look back and realize just how hard she worked for our family. I feel fairly confident when I say that many of you are supermoms as well.  You wake up early, spend all day serving your family, and go to bed…

  • 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…

  • Budgeting 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.  I admire everyone who wants to improve on their life and financial situation, it can be scary trying to make such a big change into the unknown.  I decided it was time for a FAQ article for all you brave…

  • 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…

  • 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…

  • 50 FREE activities to do with your kids over the Summer Break

    I am an associate with Ultimate Bundles.  I will receive compensation from purchases made through my links. Summer break is just around the corner.  I have been looking forward to summer for weeks!  I love having my school aged kids home with me and I always look forward to a more relaxed schedule full of fun family activities.  I talked a little more about summer in my post:  Our Summer Plans: Keeping the kids Entertained and Mom Sane, this post includes how I plan on managing screen time and a couple of our favorite traditions. I also just purchased the Homemaking Bundle complete with printables and resources to keep the kids…