Figuring out how to avoid buying lunch at work can help you save money, big time. Check out these tips I’ve used to successfully tame the budget.
How to do a Spending Freeze
What’s a spending freeze? Have you heard of a spending freeze? It’s a period of time, usually a couple of weeks or even a month, where you only focus on funding your “needs.” In other words, you still pay your bills, buy groceries to feed the family and take care of any medical needs. But […]
Budgeting- Tracking Irregular Expenses
No matter how you track your budget, whether it’s on paper, a spreadsheet or in an app, you need to make sure you keep track of irregular expenses – the ones that don’t come due every month. Here are a few ways you can make sure those periodic bills get managed – and PAID – […]
Avoid Overspending this Holiday- 18 Ways
Now’s the perfect time to start thinking about your Christmas, Hanukkah or other holiday spending plan. While it’s not Halloween yet, and many of us roll our eyes at the early holiday decorations that are already on store shelves, this is a great time to plan ahead. Have you heard that saying, “when you fail […]
Five quick ways to get your budget back on track
Has your budget gone off the rails a bit lately? Don’t beat yourself up too badly, because it happens to the best of us. But first, identify your spending pitfalls When you realize your monthly budget has gone sideways, the first thing you should do is sit down and figure out where your money went […]
Keep going over budget? 4 Common reasons why.
Getting started on a budget can be challenging! It definitely took us a few months to get it down, where we were estimating the right amounts for each category… not to mention getting the right categories on the page! But what if you’re still going into the red after a few months? If your budget […]
11 School Supply Shopping Tips to Save Money
School supply lists can add up to big bucks, fast! Did you know that families with kids in elementary through high school are expected to spend an average of $696.70 in 2019*? Yikes! Granted, my family won’t be spending so much this year, because we thankfully don’t have some of those technology requirements yet. But […]
7 Items you Must Include in Your July Budget
July is upon us! How did that happen? It seems like spring was just here, but now we’re full on into summer. Each month has different spending activities, so you need to adjust your personal budget with the seasons. Here are 8 things you can’t forget to include in your July budget. 1. 4th of […]
Easy Meal Planning for Beginners
Meal planning may very well be the best thing that happened to my grocery budget. I’ve used coupons for years (more about that in another post), but the act of planning my family’s meals for the next week or two (or more) made the biggest difference in our grocery expenses. Meal planning, step by step […]
How to budget with a yellow columnar sheet
Ever wondered how to use a yellow financial pad for your budget? I did. When I started actively planning our budgets, I wanted something that wasn’t necessarily on the computer, something I could physically stick under my husband’s nose and get him to look at and review. A legal pad wasn’t cutting it for me. […]