Brilliant Ways to Save Money for Your Baby’s 1st Year

Did you just get the wonderful news? You’re pregnant?? Congratulations!! I can vividly remember the moments we found out we were expecting our first, second, and third children because they were all life-altering events. Having a baby is a huge commitment mentally, physically, and, especially, financially. © Oksana Kuzmina – stock.adobe.com While I do not believe… Keep reading →

11 Expenses You Can Easily Lower and Get for Cheap

When my husband left his previous job and started on the path to business ownership, we had to sacrifice many, many things. But, to be honest, it wasn’t that difficult because I have always been a very frugal person by nature. No money for clothes. No problem. We’ll just continue to wear the clothes we have…. Keep reading →

How to Create Your Own Birth Announcements to Save Money

Just as you bring your tiny bundle of joy home from the hospital, you might remember that you still have to get newborn pictures taken as well as find the perfect birth announcement to share the wonderful news with everyone. And neither of those expenses are cheap. Even with a coupon from one of the big… Keep reading →

20 Excellent Resources for Budgeting Newbies

I’ve got 6 words for you. Budget. Budget. Budget. Budget. Budget. Budget. © wandee007 – stock.adobe.com   Does that word tend to make you anxious? Just think of it as a synonym for “spending plan,” which gets a better rap and helps you understand its purpose right away. If you have entered the world of… Keep reading →

How We Lived on Less than $1,500 a Month for Over a Year

2015 was the year of survival for us. My husband’s business had barely started at the beginning of the year, and my blog was making pennies per hour that I put into it. Our income potential was slimmer than ever before in our marriage, but we were blessed to be able to cut back on… Keep reading →

Irregular Expenses You Forgot to Put in Your Monthly Budget

You’re going along great in the month and then BAM! You get hit with a big car insurance bill due in a few weeks that you totally forgot about. Is it already time to renew? © Kaspars Grinvalds / Dollar Photo Club Does this happen to you a lot with car insurance and other non-monthly expenses throughout… Keep reading →

The Ideal Amount to Save in Your Emergency Fund

The events of last year wiped out our emergency fund. We started the year with a decent amount of money in our savings account, but then we had to use most of it to pay for our basic needs throughout the year. © ZIQUIU / Dollar Photo Club I will be forever grateful that we had… Keep reading →

Think You’re Terrible with Money? Think Again.

I’ve mentioned before that my dad taught me how to budget after I got my first real part-time job in high school. Budgeting seemed easy enough, especially because my expenses were fairly low and I had two goals in mind: to pay off my adorable new-to-me VW Cabrio and save as much money as possible… Keep reading →

An Amazing Way to Slow Down Your Spending

I remember it like it was yesterday. We had gotten to a point where we could pay for all our bills each month, save some money, and give. We had also just received a nice tax refund, and it was like GREEN LIGHT! Go spend that money on a few things you’ve always wanted! © Antonioguillem… Keep reading →

How to Avoid Becoming House Poor

We bought a house 2 1/2 years ago. When I say bought, I mean we borrowed a large amount of money, forked over a small amount of cash, and landed ourselves a 30-year loan with a payment that includes the cost of the mortgage, home insurance, taxes, and private mortgage insurance (or PMI). © Iriana… Keep reading →

5 Pieces of Financial Wisdom I Would Tell My Newlywed Self

When I got married more than 7 years ago, I didn’t realize how quickly my financial picture would change. I had a lot of money (at least relative to my age) in my savings account, but my husband definitely did not have money. Less than two months after our wedding, we were selling his newer… Keep reading →

One Tip that Makes Budgeting Work in My Marriage

The word budgeting often stirs up negative feelings inside of me. © alexkich / Dollar Photo Club Money in Marriage When I was a child, my parents argued the most when it was time to budget. “Mom! It’s time to do the budget!” My dad would yell across the house. I could almost hear my… Keep reading →

How to Use a Calendar to Evaluate Your Spending

*This is the 30th day of the One Month Spending Freeze Challenge. Please click here to see all of the posts in this series.* In a few days, you will no longer be doing this spending freeze, unless you choose to continue. That means you could easily fall back into your old ways or you… Keep reading →

Financial Habits Every Family Should Practice

*This is the 29th day of the One Month Spending Freeze Challenge. Please click here to see all of the posts in this series.* You have made it so far in this spending freeze challenge. Can you see the light at the end of the tunnel? You’re almost done! © igor / Dollar Photo Club… Keep reading →

One Habit That Can Save You Thousands in the Future

*This is the 28th day of the One Month Spending Freeze Challenge. Please click here to see all of the posts in this series.* Several years ago, my grandparents came to visit me and my husband. The first thing my grandpa asked me was if I had a ladder and a light bulb so he… Keep reading →