The issue with using apps and spreadsheets for your budget planning is that you fail to really take in how much you’re spending, because you’re not taking the time to write everything down. Worst case scenario, it could turn out that you’re spending way too much money on things that just aren’t that important. And …
These tips will do wonders for your food budget! Like all people with a frugal frame of mind, when it comes to my food budget, I endeavour to do these three things: Cook all my meals from scratch, Avoid fast food outlets and, Save restaurants for special events. I haven’t always succeeded in this endeavour. …
If you want a life that is as free from issues as possible you need to learn how to manage your loans and credit cards effectively. Doing so means that you do not end up owing more than you can afford to pay and fall behind in your payments. The average American has $38,000 worth …
Why Cash Envelopes? If you’re struggling with your budget or saving for irregular bills, one of the best and most practical ways to stay on track is to use cash envelopes; a budgeting system made popular by Dave Ramsey. You can set up as many or as few envelopes as you like, it’s a completely …
Christmas: Condense all the Dave Ramsey money saving tips into one simple, universal tip it would be this: Don’t be stupid with your money. How to be smart…
Even the best designed budget can either fall short of your needs or just be inappropriate for your current situation.
A well stocked pantry is valuable for many reasons, right? Trouble is, lots of people don’t know where to start when they decide to build their own pantry stockpile. It can be expensive and confusing. But, it doesn’t have to be. Let me show you how to build your pantry stockpile. Plus, why you need to have …
Wondering how to live on half of your income? Earn more. No, I’m not being facetious. If you’re on minimum wage and barely covering the absolute essentials, you can’t live on 50% of your income. That’s just simple math. How to Live on Half Your Income Should you want to be in the position where …
Don’t wait for the New Year, or adverse circumstances to motivate you to get your finances in order. Choose from the free budget printables listed below and get started today. There are many different types and styles of budget printables available so you’re bound to find one or more that suit you perfectly. There’s everything from family …
I admit it. Sometimes I can be a real cheapskate. Spending less money than I make is important to me. Frugal sounds better but the truth is sometimes cheapskate is closer to reality. I try to stick to being frugal, which is about doing more with what you have, but sometimes, I don’t spend money when …
Stick to these financial resolutions and the new year is guaranteed to be awesome! *** This post contains affiliate links. *** Generally, I do my best to avoid making new year’s resolutions. It’s too easy to turn the prospect of a brand new year into a psychological torture fest. Let’s face it, who needs the …
How to Save a Little and Live a Lot It can be tough to save money when you’re already on a tight budget. The more you squeeze your budget, the more squeezed you feel. The truth is, everyone needs to save money. Even if it’s just a small amount each week. It does add up. …