4 things to do when your spending gets off track

4 things to do when your spending gets off track

We all do it. We all intentionally or unintentionally spend money somewhere on something that is outside of our budget. 

It happens. In fact, I did it one Thursday night. 

It had been a long week. Jason has been traveling and I was home alone with two kids who were alternating illnesses. It was raining, I was exhausted and I had had it. So I put the kids in their car seats and drove to Zaxby's where I spent $20 on a garden salad and two kid's meals. $20!?!??

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Three things that can WRECK your budget

Three things that can WRECK your budget

I think at some point we have ALL reached a point when there is more month than money.  

We may have entered the month with the best of intentions, but we just didn't stick to our budget. That could be for a number of reasons

But for a lot of people it comes down to three things, emergencies, lifestyle and guilt. Of course there are endless things that can wreck a budget if you let them, but it seems that these things that cause our money to fly out the window the fastest. 

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How to say no to spending money without feeling awkward

How to say no to spending money without feeling awkward

When you're on your way to a frugal debt free life you will face some obstacles. But the one thing that a lot of people struggle with is saying no to social situations. 

I personally do not struggle with this. It doesn't bother me to tell people why I am not participating in something. 

The words: "we are trying to save money" just don't make me feel embarrassed or awkward. But I understand why not everyone feels the same way I do. 

So I wanted to share with you a few ways to avoid those embarrassing situations.

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16 money mistakes to STOP making in 2016

16 money mistakes to STOP making in 2016

Hang around, this year I am going to be motivating you on your own debt free journey. But first I wanted to share 16 money mistakes we ALL should stop making in 2016.

And some of these apply to me. Just because we are a frugal family who insists on paying cash for everything doesn't mean we don't make money mistakes. We do. LOTS of them. But here are 16 things I think we could all benefit from if we just stop doing them.

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How to build your emergency fund fast

How to build your emergency fund fast

Ask anyone who has gotten out of debt or worked to change their families financial family tree and they will tell you that the very first thing you should do is get on a written budget. 

BUT- the second, yet equally important thing is to build an emergency fund. Having an emergency fund will give you room to breathe, it will help you feel more in control and it is a huge part in conquering your financial fears and failures. 

Some of these tips are very basic, it's not rocket science. But I wanted to give you an example of what worked for us. 

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10 Thrift store finds you can give as gifts

10 Thrift store finds you can give as gifts

A few weeks ago I got a question asking what I thought about giving gifts from the thrift store for Christmas. 

If you read this blog on a regular basis then you probably already know what my answer is going to be... go for it sister, friend. 

Today I wanted to give you a few ideas of things you can find at your local thrift store that would make excellent gifts. 

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