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Money Saving Monday–How to cut your grocery bill
Are you always wondering where the heck your money goes each month?! I really did not have a good grasp on HOW MUCH my family was actually wasting on groceries until I started to track my spending. I WAS SHOCKED!! I was WAYYYY overspending on food, but we were eating it…so how was I supposed to cut out anything?!?! We HAVE to eat…right?!?! Well yes…but also no. There are lots of ways to cut back, but let me tell you how I have managed to cut our grocery bill BASICALLY in half. How much should I budget for groceries?? There are lots of facts and figures floating around about what…
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How to survive a spending freeze
Today was our FIRST day of the October Spending Freeze and I already got lots of messages about…what do I do?? how can I last for a whole week??? What now?? SOOO I thought I would quickly go through and answer a few of the FAQ about HOW TO SURVIVE A SPENDING FREEZE. First things first: WHAT IS A SPENDING FREEZE?? And WHY?? A spending freeze or spending ban is simply choosing a period of time to go without spending money. You intentionally go without spending, then set the money that you WOULD have spent aside for savings, sinking funds, debt, etc. This is a great way to pay off…
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15 ways to find EXTRA money in your budget??
Last week I talked ALL about SINKING FUNDS and how to plan ahead for upcoming expenses like holidays, back to school etc. BUT what if you DIDN’T plan ahead and now it is nearly October and you do not have cash squirreled away for Christmas?? ORRR what if you still have some debt in the back of your mind that you would like to get a jump on?? Or better yet, what if you just want to add some extra cash to your savings?? Here are a few tips and tricks that will help you squeeze some extra cash out of your already tight budget. ORRR just help you start…
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Budgeting tips: What are sinking funds??
Budgeting. The dirty word that nobody wants to talk about, but EVERYBODY wants to excel at innately or learn through some sort of magical osmosis. But then month after month and then year after year we spend our hard earned money and have no clue where it goes. ORRRR we work really hard on our budget, and rock it’s socks off for a month until a holiday or birthday or field trip or soccer uniform pops up and throws a wrench into our perfectly laid plans. AND THEN we deviate from the budget a little…and then a lot…and then we throw the budget out the window and go back to…
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You don’t HAVE to have EVERYTHING to have it ALL!!!
Do you ever look at social media and think…IF I ONLY HAD WHAT THEY HAVE…or…IF I COULD ONLY AFFORD THAT…or…UGHH WHY DO I EVEN TRY?? We live in a fantastic time in history where we can see it ALL, do it ALL, and HAVE it ALL…but guess what??? We do not NEED it all!!! Let me ruin the ending for you. If you buy that “BLANK” that you saw your insta crush share this morning, it will NOT make you happier. If you eat the EXACT snack topped with protein powder and peanutbutter that your insta nutritionist chowed on yesterday, it will not give you abs. And if you have…
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Budgeting When You Are BUSY: Free Spending Tracker
Budgeting…blech. Nobody likes to hear about…think about…or especially DO SOMETHING about their budget. It is like the long lost annoying cousin of our BFF Spendy. We all like Cousin Spendy…but nobody wants to invite Budget Boy to the party…am I right?? Well that was me too. I HATED thinking about my spending. I would just mindlessly swipe until half way through the month and then wonder where all of my money went. Then I would be super frugal for a couple of weeks until I got paid again…and the cycle continued. I HAD NO CLUE where I was spending it, or WHAT I was spending it on. I REALLY enjoyed…
