Do You Really Need That?
- Created on 07 November 2014
Struggling to put your finances on a firm foundation? Who’s in charge of spending your money? Have you taken an honest assessment of what you pay attention to financially?
Why all the questions? We need take ownership of our behavior and admit that everything we do, have done, or will do in the future helps or hinders our ability to dump debt. One doesn’t magically end up at the mall with looming debts to unload. That restaurant did not set up shop in your living room three or four times this week. The latest gadget will live if you decide against taking it home. Who’s in charge here?
A Debt Free Degree Without Loans or the Bank of Mom & Dad
- Created on 06 November 2014
Dee from Color Me Frugal has a colorful tale to share about getting through undergrad with no debt. Her parents didn't write a blank check. She didn't have a full ride. She did, however, get it done. Think it's not possible to exit school without student loans? Dee has another perspective that parents, college kids, or anyone remotely considering a degree should consider. Tune in and be inspired!
How to Menu Plan to Save Money
- Created on 05 November 2014
When in doubt, lean on the experts. Today's fantastic tips were contributed by guest blogger, Missy Rakes. You can find more tips on meal planning and budget meals from Missy at the Graceful Little Honey Bee.
If you aren’t menu planning, please start right away. Planning your meals based on what you already have and the weekly sales is an extremely effective way to cut grocery costs. Everyone has a different system for menu planning. I print a blank calendar every month and keep it on my fridge so I can fill in the meals each week before I go to the store.
Extend the Magic of Daylight Savings Time
- Created on 03 November 2014
I really love falling back into Daylight Savings each year. A morning person by circumstance (little kiddos wake up very early), waking to the sunlight wafting through the windows is such a pleasant experience. Fighting with sleep to pitch black darkness is generally a losing battle.
That extra hour is a treasured gift; especially in my time constrained existence. I got a head start on this week’s articles. We arrived at church [more] on time. Breakfast was more than a hurried bowl of oatmeal. Daylight Savings makes for a wonderful day.
Why stop at one day a year? I am convinced that we can keep the magic going. Here’s my plan and a few more ideas to rescue more time from the 24 hour cycle.
Make All Meals @ Home this Month Challenge
- Created on 01 November 2014
In the spirit of Finishing Strong as we pursue debt free living, November strikes me as a great month to take on another money saving challenge. Recently, I surprised myself with just how much damage restaurants can do to your budget. Are you ready for our last good challenge for 2014?
Meals @ Home will be a 30-day test of your planning skills, creativity, and resolve to stretch your food dollars. Initially I thought this would be too easy. Simple…yes. Easy…we’ll see. Essentially, the challenge involves the following components:
- Consume only meals, snacks, and beverages bought from a grocery store and prepared at home (anybody’s home will do).
- Place an emphasis on meal planning to make this work.
- Stay within your budgeted allotment for food for this month.
Holiday Survival Guide: Frugal, Festive and Fabulous
- Created on 29 October 2014
Move over Oprah, Suzie, Whoopi…whichever talk show phenom that comes to mind. Money, Life & More is here! Okay, my ego is really not that big (but a girl can dream).
Money, Life & More is a collaboration between 3 personal finance bloggers: Jessi Fearon (thebudgetmam.com), Michelle Jackson (shopmyclosetproject.com), and myself. I have immense personal respect for both of these ladies and love, love, love that they have agreed to lend their time, talent and expertise to this project.
5 Ways to Slash a Scary Halloween Budget
- Created on 28 October 2014
The National Retail Federation seems excited. They should be. Planned spending for Halloween is expected to break records this year. $7.4 Billion on the October 31st festivities.
Folks, we’re spending (on average):
- $30 for costumes (including pets)
- $23 for candy
- $21 for decorations
- $4 on greeting cards
Individual items from this list alone won’t raise many eyebrows. If you’re in the group pulling the average up, these figures may not be representative. For those interested in pursuing a debt free lifestyle, this festive time of tricks and treats offers a bevy of opportunities to slash [costs] without scrimping on the fun.