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Frugal Debt Free Life

Limitless Life on a Limited Budget

Budgeting

Learn how to make a budget and live on a budget. 

Frugal Debt Free Life
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Featured
SIX money tips for new graduates
SIX money tips for new graduates

I wanted to share some money advice for recent grads that I hope will help and actually impact them for the better. 


10 Ways to slash your cellphone bill
10 Ways to slash your cellphone bill

Our family has cut our cellphone bill by 35 percent. We cut our bill by around $50 a month saving us $600 a year!

Today I thought I would share with you some tips and tricks for cutting cellphone costs

9 frugal ways to make life easier INSTANTLY
9 frugal ways to make life easier INSTANTLY

I don’t know about you, but I am on the hunt to find ways to make my life EASIER! So today I wanted to share a few things I’ve been doing to simplify my life (and save a little cash!). So today I am sharing nine simple and frugal ways to make life easier and save some money.

Podcast #5: How to budget when you have no clue what you're doing
Podcast #5: How to budget when you have no clue what you're doing

How do I budget? I don’t know where to start when it comes to budget? I am so overwhelmed by budgets.

I hear these on a mostly daily basis. And I get it! SO today I wanted to break down how to budget when you have NO clue.

How understanding the sales cycle can save you HUNDREDS on groceries
How understanding the sales cycle can save you HUNDREDS on groceries

One of the best ways to start saving money at the grocery store and building a nice stockpile is by understanding your sales cycle.

It sounds super businessy and maybe a little scientific but it’s not.

Would I ever go back into debt?
Would I ever go back into debt?

What happens if you have to go into debt temporarily?

I hate debt. I hate owing people money. But I also live in reality.

If you find yourself on the verge of making a decision to go back into debt, ask yourself why.

8 things to do with your tax refund. 
8 things to do with your tax refund. 

Tax refunds are rolling in. With Americans getting on average more than $3,000 back this year. (Source.)

I personally am not a fan of big returns. I want to keep my money from my paycheck each month. Not give the government an interest-free loan. (Because they would charge YOU 4-7 % interest on a federal student loan!)

But if you are getting money back, why not be smart about where it goes. 

No one is perfect at budgeting
No one is perfect at budgeting

Last week I wrote a blog post called "7 Things You Probably Forgot to Budget." I laid out, well, seven things you probably forgot to budget (hence the title). 

Little did I know when I wrote that post I was being a big 'ole hypocrite. Let me fill you in...

45 Ways to start saving money now
45 Ways to start saving money now

Are you looking for ways to slash your budget and start saving cash? Here's a list of 45 PRACTICAL ways you can start saving money. We're not reinventing the wheel here, but I hope to inspire you to take control of your spending. 

Looking ahead: 7 things you probably forgot to budget
Looking ahead: 7 things you probably forgot to budget

Has this ever happened to you? You sit down and make your budget. It's perfect. It's gleaming. Every penny is accounted for and then your kid gets sick, you realize you need to change your oil and your third-grader got invited to two birthday parties. Yup. Been there. (Only my child is five.)

Today I wanted to talk about 7 things you probably forgot to budget. Because we all do this at some point. 

Featured
common guder mistkaes and how to fixt them.png
Why your budget isn't working and how to fix it

Do you struggle to stick with a budget? Today I am going to share a few common mistakes and solutions for new budgeters.

How to reduce food waste and my #1 grocery saving tip
How to reduce food waste and my #1 grocery saving tip

Are you getting sticker shock at the grocery store? I know. I feel the stress of constant rising prices and the stress of wondering when will it all calm down.

Today I wanted to share with you my number one tip when it comes to buying groceries for my family of 6.

FREE Financial Goals and Weekly Budget Worksheets
FREE Financial Goals and Weekly Budget Worksheets

Setting financial goals is just a fancy way of saying “Let’s daydream about what we would do if we had some money.”

It’s really important to cultivate good financial goals. Let’s talk about how to do that, and I’ve provided a free template to help you.

Grab a free meal planning template!
Grab a free meal planning template!

Grab a free meal planning template

4 money mistakes I regret and how you can avoid them
4 money mistakes I regret and how you can avoid them

This is a conversation that we need to be having more of because pretending like we're perfect little money angels doesn't help anyone.

Build your credit score while paying off debt!
Build your credit score while paying off debt!

Like it or not credit scores are a way of life now. But you don’t have to have a credit card to have a decent score. And you can build up your score without taking on MORE debt than you are already paying off.

Tips for saving up for a house on one income
Tips for saving up for a house on one income

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. 

Five ways you can start saving money THIS WEEK
Five ways you can start saving money THIS WEEK

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.

Five reasons to meal plan (hint: you will gets HOURS of your life and THOUSANDS of your dollars back)
Five reasons to meal plan (hint: you will gets HOURS of your life and THOUSANDS of your dollars back)

It is no secret that I am not an organized person. Sigh. This is something I am working on, but it is difficult for me. But I have other good qualities...

But, one way I have gotten myself more organized is to plan my family's weekly menu. At our house we have my husband, me and our two sons who eat smaller portions of the same foods we do. Some days they eat way more than other days. 

Five tips for successful meal planning on a TIGHT budget
Five tips for successful meal planning on a TIGHT budget

I know as a nation our belts are as tight as they can get. Many of you have eliminated luxuries like cable, cell phone plan extras, date nights and movie rentals. If you budget down to the penny and the last penny gets stretched till Abe starts screaming, you're not alone. 

So, I wanted to talk about menu planning when you're on a  tight, tight, tight budget. Trust me this will save you tons of time and TONS of money. 

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Frugal Debt Free Life

Frugal Debt Free Life is a blog for those looking to get out of debt, stay out of debt, save money and live a more simplistic life style. 

debt free, living debt free, budget living, living on less than what you make, how to live on less than what you make, cheap dinner, cheap eats, meals for $5, family cooking, stay at home mom, Frugal, frugal and debt free, frugal debt free life, save money, simple living, pay off debt, live debt free

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