6 ways we lowered our bills and you can too

6 ways we lowered our bills and you can too

Bills are a part of life. You know they are coming. You know you have to pay them, but it doesn't make it any less pleasant. 

Bills are a huge chunk of your monthly budget, but you have more control over them than you might think. 

Today I wanted to share with you how our family has been able to lower some of our bills and add more margin to our budget and decrease our spending by $1,500 a year. 

Read More

Facing your debt: Determining who you owe money

Facing your debt: Determining who you owe money

It's sort of an embarrassing thing to admit that you don't know who you owe money to. But I once fell so far down the rabbit hole I didn't know who I owed money to. 

Trust me, that was a hard sentence to type. It was an even harder reality to live. 

If you're there now I want you to take a deep breath. You can fix this. It's not too late. Once you realize the mess you're in, it's important to take the steps to clean up that mess. 

Read More

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.

Read More