holidays are expensive

Is Frivolous Holiday Spending Costing You Hundreds?

How would you like to save an extra $250-500 this holiday season? When I think of the holidays, I typically picture spending money, not saving it. The truth is, the holidays are expensive! Some expenses are totally worth it and add a ton of value to your holiday season. Other expenses though…can add more stress and drain your budget quickly and unnecessarily. Ever stop to think which expenses you can cut to save money? Or how much money you’re spending on things you don’t really care about? With the help of […]

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superman emergency fund - How an Emergency Fund Can Save Your Finances

How an Emergency Fund Can Save Your Finances

Are you prepared for a financial emergency? It’s not a matter of if you’ll experience a financial emergency, but when. They happen all the time and range from a few hundred dollars to a few thousand. So that brings us to the next question. How much money do have saved up for emergencies? In January, 2017, Bankrate reported that 57% of Americans don’t have enough cash to cover an unexpected expense of $500. Unfortunately it’s pretty easy for unexpected expenses to exceed $500. Let’s take a look at a few […]

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Christmas Saving Plan - Take the Stress Out of Christmas Shopping!

Take the Stress Out of Christmas Shopping!

Start Saving Money Now! The holidays can become a really expensive stressful time if we let them. I believe a good game plan to save money is a huge factor to minimize the stress. Then once you save the money, sticking to the budget is a whole new challenge. Before the holidays hit, let’s navigate the ins and outs of saving money, sticking to the budget, dealing with family, and avoiding obligatory spending. Planning Ahead is the Best Way to Avoid Debt Right now it’s mid October, which means it’s […]

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6 Tips to Keep You Motivated

Feeling Frustrated by Your Budget?

6 Tips to Keep You Motivated I’ll let you in a secret. It’s OK to feel frustrated by your budget! I’ve found it to be a natural part of the process of creating great financial habits. Sticking with our goals amidst extreme frustration is one of the reasons we’ve been so successful since we started this crazy journey four years ago! I want to give you some tips that worked for us to stay motivated and hit our financial goals in stride! Everyone Needs Motivation From Time to Time We […]

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Cheap Hobbies

Starting a Hobby Doesn’t Have to be Crazy Expensive

Dungeons & Dragons: The Ultimate Cheap Hobby This summer I started a new hobby. Warning, it’s EXTREMELY NERDY!!! I got a small group of friends together and began playing Dungeons & Dragons! We’ve only had a couple sessions so far, but it’s an absolute blast! Before you decide this post is too nerdy, let me explain another reason I love this new hobby! The best thing about Dungeons and Dragons is how cheap it is to play! It made me wonder if there are any other super cheap hobbies. Starting […]

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Organic Grapes Budgeting

Can You Buy Organic Food on a Budget?

Every time I wander through the grocery store with our grocery list in hand, I am bombarded by signs for organic food. And holy cow, it’s expensive! It makes me wonder, is organic food worth it? Is it possible to buy organic food in a budget? The Benefits of Organic Food There are several benefits to eating organic food. According to Consumer Reports, since organic foods are made with fewer pesticides and chemicals, you’re putting less chemicals in your body. As a result, you are more likely to save on […]

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Back to School Supplies Shopping

5 Tips to Save Money on Back to School Supplies

Summer is coming to a close, cue the sad music, and that means back to school shopping! As a middle school teacher, I feel the same back to school blues as students. Of course, I am also really excited to get back into my classroom and see my students again, but I always cringe when I see the giant pencil and notebook signs show up at Target in the middle of July. WAY TOO SOON! The good news is you can save money on back to school supplies! After reading […]

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The Road to Debt Freedom Starts Now

Want to Get Out of Debt? Start Here, And Start Now

Let me tell you a story about someone who got in way over his head with debt. When he graduated college and started his first big boy job as a paraprofessional, he thought he had it made. After all, the American dream is to go to college, get a job, and live happily ever after. The problem was he had way too much debt, and not nearly enough income to match it. The numbers lined up something like this: $50,000 of student loan debt, $1,500 credit card debt, and a […]

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Frugal Budget Date Nights

14 Cheap Dates to Fit into Your Frugal Budget While You Pay Off Debt

I am a firm believer that just because you’re trying to get out of debt, doesn’t mean you can’t have fun. And what better way to have fun than on date night. In our year of dating and three years of marriage, we have made date night a non-negotiable, granted we don’t have kids yet, so this is a lot easier for us to fit in than bigger families. When I think of date night, my mind naturally drifts to images of fancy dinners at expensive restaurants, but it doesn’t […]

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Finding Hope in Your Finances and Budget

It’s Not Too Late! You Can Still Turn Your Finances Around!

It’s easy to look at your financial situation and decide, “I’ve made too many mistakes, there’s nothing I can do about it now.” Maybe that’s what you’re feeling right now. Maybe it’s easier to give up and live forever with your financial mess-ups. The truth is, giving up is easier, at least in the short term, but it also requires you to settle for less than you’re capable of. In this post, I am going to to share some of my less than stellar choices that led me into $90,000 […]

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