16 Ways to Save Money At Christmas

If you want Christmas to still be the most wonderful time of the year without going into debt, you can be more intentional and impactful with your spending and your savings. Not only do you need to plan ahead for Christmas by setting aside the cash early, but you need to cut expenses and save money where you can. Here’s 16 tips to help you make the most of your Christmas budget.

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How to Plan for a Debt Free Christmas

Christmas is a wonderful season of giving and wonder, but the truth is, the season can leave many people in financial trouble because they don’t know how to prepare for it and end up charging everything to credit cards that haunt them well into the next year. But with planning, budgeting, and committing to pay cash for everything, you can choose to have a stress-free Christmas this year (or at least, stress-free financially!).

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The Starter Emergency Fund and Why You Need One

If you’re ready to get started saving your $1,000 Emergency Fund to kick start your financial freedom journey, I’ve created a printable Emergency Fund Tracker for you! To download the tracker, just sign up below for my newsletter so you will receive even more tips and encouragement for your personal finances. After signing up, you will immediately be able to download and print the tracker.

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How To Get Out of Debt Even on a Small Income

No matter how big your mountain of debt is, and regardless what you level of income is, you can get out of debt. Paying off debt is more about behavior than it is about math. The debt free journey is going to look different for every person or household, but I want you to have confidence in knowing anyone can pay off debt. You can do this.

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How To Raise a Family And Still Get Out of Debt

It is still definitely possible to pay off all your debt while raising a family. Many people have done it before. We have done it. You can do it too. It doesn’t matter if you already have debt and you’re thinking about having kids, or if you already have kids and you’ve realized you should dump all the debt…it’s doable. But you have to get your head in the game. Here are 7 pieces of advice for raising a family while still getting out of debt.

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5 Reasons Budgeting is Easier Than You Think

Budgeting is actually a simple and easy process.  The hardest part will be changing your spending habits as you learn to live with the budget you’ve created.  Just remember to give yourself some grace and know that you won’t always be perfect. The thing is, we all have dreams and goals of where we want to go or where we want to be in the future and a budget is one of the best tools to help you get there.

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10 Personal Finance Habits You Can Start Today

Personal finance is more about behavior than anything else, including math! You need to be creating habits with intention if you want to reach financial freedom. There are so many things you can do to turn your finances around and get control of your money (I recommend following Dave Ramsey’s 7 Baby Steps) and while I think all of those big goals are important, it’s also important to put in place the small, everyday habits that are going to help you change your behavior. You can stop living paycheck to paycheck and stop living with money stress, but you’re going to have to change the way you behave when it comes to your personal finances.

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Q & A: Should I Tithe While Getting Out of Debt?

I get it. You’re wondering if there are exceptions to the rules of tithing, like when you’re trying to throw every penny you have into your debt snowball. It’s a justified question. But first of all, let’s remember that tithing is not about rules, it’s about giving freely, so make sure you are giving out of love and not out of guilt. Secondly…

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How to Reduce Money Stress

So many of us are living day to day feeling overwhelmed and stressed out about the state of our finances. When an emergency comes up and you’re not sure how you’re going to pay for it…stress. When you want to be saving for your future and retirement but your bank account never has anything extra at the end of the month…stress. Let’s talk about some actions steps you can start today to reduce your stress levels.

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How To Create a Budget in 7 Easy Steps

The first time you sit down to create a budget can feel overwhelming and intimidating. Many people procrastinate creating a budget simply because they don’t know where to start. Some people, myself included, avoid it because it seems like something that requires a lot of time and effort we don’t have. The truth is, budgeting is really easy once you get the hang of it and I’ve come up with a quick step-by-step process that will make the first budget quick and easy. 

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Q&A: How Easy is it to Get Out of Debt?

If you’re feeling like you’re ready to get out of debt, you have to get gazelle intense. This is a phrase coined by Dave Ramsey and comes from Proverbs 6:4-5 which reads “Give no sleep to your eyes, Nor slumber to your eyelids. Deliver yourself like a gazelle from the hand of the hunter, And like a bird from the hand of the fowler. “ In other words, you need work your way out of debt with the same intensity that a gazelle runs away from a cheetah.

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20 Ways to Reduce Impulse Purchases

Impulse purchases are a serious issue. We’ve all fallen subject to that tempting cold drink right before the checkout line, the email that says “free shipping,” or the dessert deal to go with our pizza. Impulse buying is a habit that causes us to spend money we don’t have by either busting the budget or going into debt. We have to stop giving into these temptations if we’re ever going to reach our financial goals. That means we must understand what an impulse purchase is, why we do it, and most of all the steps necessary to end it.

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6 Ways to be Generous While Paying Off Debt

When you’re paying off debt, giving often has to take a backseat. You need to make sure to tithe from your monthly income, but we have to limit giving beyond that so we can get out of debt as fast as possible and then circle back to giving in the best way when the debt is gone. For someone who dreams of giving outrageously, this can feel constricting. But sometimes we forget that giving goes beyond money. We have so many opportunities to give that are not financially costly.

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