Happy New Year! I am so excited about a glistening new year full of infinite possibilities. It's like the first page in a new notebook. I just get giddy with the idea of filling it with new ideas and goals.Read More
It's been nine months since we closed on our house (woo!). It's been an incredible nine months living in a home that we own, that we wanted and that we worked hard for.
Since today is Money Monday, the day where I answer real money questions from real people on my YouTube channel I thought i would share a question from a viewer.
"Can you talk about saving up for a house on one income?"
Sweet and to the point, right? Here are a few things that we did and that worked for us. Remember, I am not a financial expert, just a woman who likes to save money.Read More
I enjoy saving money. As a reformed (ahem... reforming??) spender I get a little thrill when I get a good deal, cut down on a bill or end up spending less than I budgeted.
But I have had to caution myself and work to really save money. It's one thing to pay less than retail or cut back on your expenses. It's another thing entirely to ACTUALLY save that money. And by save, I mean move to your savings account for a rainy day or applying toward a goal or debt.Read More
While making more cost-effective choices will lead to BIG savings, there are also little things you can start doing today that will yield big savings results without big sacrifices. (Although I think we can argue that giving up a satellite dish probably isn't that big of a sacrifice, right?)
Today I wanted to share a few things you can to THIS WEEK to start saving money.Read More
I’m passionate about budgets! Yet, they seem to get such a bad rap. I consistently talk with people with the mindset that budgeting is restrictive, a waste of time and a one way ticket to “no fun.” (Like ever again…) While that is one way to look at it, I feel like our budget has actually simplified our life!
Thankfully, my husband and I jumped on the budget bandwagon from the beginning of our marriage. We quickly found that budgeting provided us with financial freedom rather than restriction.Read More
My husband travels a lot for work. While it's not a convenient way to live, my husband's job has afforded me the opportunity to be at home with our small children.
However, I'm not going to sugar coat; it having one spouse that travels can wreak havoc on your finances if there isn't clear communication about your budget and financial goals.
Here are a few tips for making budgeting a little easier when one spouse is traveling.Read More
Don't you wish you could purchase insurance to cover every possible scenario of life? Why is there no devastating life change insurance? There is no policy to protect you in the case of a divorce that leaves your income stretched thin. There is no insurance policy for a job loss.
And while there are insurance policies for devastating diseases and accidents, no plan is perfect. Far, far too often people are left paying hefty price tags for things that are far beyond their control.Read More
About a month ago I found myself on the phone with the bank, frantically trying to figure out why my debit card was being declined.
As a budgeter, I know how much money is in my checking account at all times. So when I swiped my card at the Dollar Tree and it came back as declined I knew something was up.
Had my account been hacked? My card number been stolen? Was there a problem with the system at the Dollar Tree. No, no and no.Read More
Goals are important. Without them, it's really hard to anchor our time.
When we make a to-do list, that's a goal. When we set out to lose weight with a number in mind, that's a goal.
Why not deal with finance the same way?
Jason and I are currently working on some big savings goals. We decided in February of this year on a specific number we needed in our savings account and estimated how long it would take us to get there.
We've made great progress. But we've also had some setbacks.Read More