Journal Day: A Plan for Your Savings

*This is the 18th day of the One Month Spending Freeze Challenge. Please click here to see all of the posts in this series.* Earlier in the month, we discussed the importance of writing out goals for a spending freeze. Without a goal for your money, it will not be utilized to its maximum potential, and… Keep reading →

8 Questions to Ask Yourself Before Spending Money on Your Child

*This is the 8th day of the One Month Spending Freeze Challenge. Please click here to see all of the posts in this series.* My attempts at managing our money fairly well fell by the way side shortly after we started a family. For me this had nothing to do with spending money on my daughter…. Keep reading →

How to Prepare Financially for Winter

The first half of my life (a good 13 or 14 years) was full of epic snowfalls, white Christmases, and terrible snowdrifts. These events have become fewer and farther between during the second half of my life. © volgariver / Dollar Photo Club Last year was a record-breaking year for snowfall in much of the United… Keep reading →

4 Things You Should Do Each and Every Pay Day

I used to take pay days for granted. It was exciting to finally get paid after working so hard for two weeks. We didn’t do anything extravagant with our paychecks, but we definitely spent them without a plan in place on both necessary and unnecessary expenses. © iQoncept / Dollar Photo Club My biggest mistake?… Keep reading →

Ideas for Tracking Household Expenses

Keeping a household budget requires that you know where your money is going each month. If you’re not keeping track of these details, you really can’t know your financial situation all too clearly, and you won’t be able to do a budget. Keeping track of your expenses, whether daily or monthly, will help you stay… Keep reading →

8 Brilliant Ways to Spend Discretionary Income

Perhaps you are one of those lucky ducks who actually has leftover money to spend each month. You’ve paid your essential bills, put money into your savings, paid taxes and insurance, and even invested into your IRA. I’m totally jealous. But are you putting that leftover money to good use? Do you really ponder where… Keep reading →

Two Incomes to One: How Much Money Does It Really Take to Be a Stay-at-Home Mom?

The closer and closer we got to the birth of our oldest daughter over three years ago, the more I wondered if we would be okay financially when I quit my job. At that time there were other pregnant women around me, and they were going back to work after maternity leave. It made me… Keep reading →

A Surefire Way to Get Your Will Written

What is it about a will that makes so many people procrastinate writing one? Is it too complicated or do they think they need a lawyer? Or is it that discussing details about death makes people nervous? I believe most people put off their will for all of these reasons. But for me, these are not… Keep reading →

Online Resources for At-Home Preschool

This school year I have a 3 year old and a 1 year old. My three year old just barely turned that age, so I think it is best if I wait until next school year to possibly send her to a preschool. Until that time I would like to teach her at home. We… Keep reading →

How to Manage Your Money on a Slim Income

There are thousands of reasons you could be living on a really slim income. Maybe you and your spouse are both attending school and you each have part-time jobs. Or perhaps you chose to follow your dream of being a writer, but your income is nothing to brag about. It’s really okay if you don’t… Keep reading →