Making Small Steps Toward Big Savings
I’ll admit, when I started working my tail off to cut back our grocery bill, shopping at Aldi was the farthest thing from my mind. We had one, and to me, it was that weird store I stopped at once with some college friends as we drove down to Florida for spring break. It was… [Read More]
The biggest game changer for our budget was when we started using sinking funds. I cannot deny that. But if we already had sinking funds in place, switching from using our debit card to using cash would have been the biggest game changer. Today I’m going to show you how I made our cash envelopes… [Read More]
What if I told you that there was a budget strategy that is absolutely vital to helping you stay on budget, that can help reduce the stress in your budgets, and that makes sure you can cover unexpected expenses without dipping into your emergency fund? If it sounds impossible, it’s not. It’s simply a sinking… [Read More]
I am forever looking for ways to save money, but also can’t be bothered by complicated and time consuming hoops that I need to jump through in order to save a quarter or two. Over the years, money saving apps have been installed, and deleted from my phone, but there are a few that I… [Read More]
It’s payday. There’s nothing left in the fridge or pantry, and you need to go shopping. You’re not really sure what you’re shopping for, you just know that you need to get some food back in the house. Or maybe you just stock up on food on the same day each week, and get the… [Read More]
When you start budgeting, it can seem so daunting. At least it was for us. We knew we wanted to get out of debt, and learning how to efficiently budget our money was made a little easier since our income and bills were pretty straight forward. For us, it was the “other” expenses that were… [Read More]
No matter whether you’re beginning to get your finances together, or you’ve got your finances together more than Warren Buffet, creating good financial habits helps set you up for success in life. To help you get started, here are 40+ financial habits to develop. My personal advice would be to not try all of these… [Read More]
I’ll be honest, before we started budgeting, we had no savings. Well, we had maybe $600 to $1,000 in a savings account, but it wasn’t anything that would realistically and responsibly get us through an emergency. Any “emergency” we did have {like car repairs or large medical bills}, went on a credit card. In the end,… [Read More]
Occasionally on our debt free journey things go off the rails. Whether it’s because we had a month that we had unexpected car repairs, or because I hit a funk over the summer, getting off track with our budget happens from time to time. But the end game of being completely free from debt is… [Read More]
May is right around the corner. I don’t know how that’s even possible because it seems like we just left February, but here we are. As you start setting up your budgets for next month, don’t forget to add these May budget categories. Lawn & Garden In the northeast, May is when we can… [Read More]
