Posts in FRUGAL LIVING
8 Ways to Save Money On Groceries Without Couponing

Grocery shopping is not my most favorite pass time, and it’s probably not yours either. There’s a lot of work that goes into with planning, budgeting, shopping, loading and unloading, and all of that before you even get to cook, enjoy, and clean up. But it is an essential part of life and a very important part of the budget, so it’s good topic to focus on and look for ways to improve. The way groceries affect the budget directly affects your ability to pay off debt, save for retirement, or spend money on what’s most important to you.

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12 Meal Planning Tools That Will Keep it Simple

There have been so many tools that I’ve grown to love, and some that I can’t live without when it comes to meal planning. Some of them I use all the time and others I rotate or have changed during different seasons of our life. I’m sharing all of these tools with you in hopes that you will find them helpful and useful in finding a meal planning routine that works for you.

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The Best Meal Planning Service for Busy Moms

Friend, let me tell you, if someone has created a service that can do something for you that you don’t love doing (meal planning, etc) and it doesn’t cost an arm and a leg, give them your money! The time and stress that $5 Meal Plan has saved me is worth the monthly subscription fee (which is actually inexpensive, by the way)!

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5 Reasons To Give Meal Planning a Try (or a Second Chance)

Finally, about two years ago, I was introduced to a SIMPLE meal planning method by a friend. I started going by that plan and now have evolved it into my own version that works really well for my family and our lifestyle. I have finally come to realize that meal planning can actually be a good thing. It has helped us save money, stop wasting food, and just stress less overall when it comes to meal time.

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10 Tips For Living an Intentional Life

We have to learn to turn down the noise so we can tune into the things that matter to us. The days are long but the years are short. Our time is precious and limited. We spend our time working to earn dollars as an exchange for our time. So what if we thought more about how we spend those dollars, and therefore more about how we are using that time? When you realize how you spend your money plays a major role in how you spend your time, you can begin to adjust decisions and start living a life of intention.

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6 Money Mistakes That Will Crush Your Financial Future

You’ve probably heard the phrase “the future is now,” but have you ever really stopped to think about what that means? The choices we make today determine what our future will hold. The way we are living life today affects how our future will unfold. From a financial standpoint, that means if you’re making money mistakes today, your financial future could be at risk. You cannot wait to save for retirement until the last minute. Compound interest is based on time, so you want to start saving money as early as you possibly can. No matter if you’re starting just in time or you’re a little late, there’s no better time to start than today.

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The Spender vs. The Saver: How to Balance Your Spouse's Money Habits

Generally speaking, we can pretty much classify people into two categories when it comes to their money habits: the spender and the saver. Spenders like to spend money and savers would rather save it. The question is, can the coexist in a marriage without pulling each other’s hair out? The answer is a definite yes, and in fact, I think that having both types represented in a marriage will ultimately set you up for financial success….when you’re balancing each other’s money habits.

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8 Habits Keeping You Broke

No matter what your financial situation looks like right now, we have all been in places where we feel like we made money mistakes. But nothing is stopping you from breaking those habits that are keeping you broke and making new and better choices right now. Being aware of which bad habits are keeping you broke will help you address them and fix them. Let’s look at 8 (common) habits you might need to kick to the curb.

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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 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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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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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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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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