Sinking Funds: How Planning Ahead Saves You Money


Quite a bit of credit card debt in the United States is probably from people who didn’t have a good “money” plan in place. Lots of “emergencies” that really aren’t emergencies are charged to credit cards. Of course, that’s my opinion, but when you plan ahead, you really can save your sanity and save some money (no finance charges)! It’s stressful having to come up with a big chunk of money all at once. This where the idea of sinking funds comes into play.   The basic concept of a sinking fund is that you save up money, over time,… [Read More]

Easy Homemade Brown Sugar Scrub Bars

DIY Brown Sugar Scrub Bar

Time for Spring, which means all things need to be renewed and freshened up. Make sure your skin gets special treatment too with some frugal homemade beauty products. These Homemade Brown Sugar Scrub Bars are a great way to soften and scent the skin- leaving it glowing for hot weather clothes. Much like traditional body scrubs but in a more solid form, you use these in the shower to slough off dead skin, leaving behind a great smell and moisturizing oil that lasts all day long. Customize your scent by adding a complimentary essential oil or extract- I think that… [Read More]

10 Budget Binder Pinterest Ideas & A Freebie

Budget Binder Pinterest Ideas

Creating a budget is critical to keeping track of your money, staying within your budget and paying off any debt. But a budget can be hard to plan and set up if you don’t have experience with making one. This is where a budget binder comes in handy! You can try to put together your own budget binder, but you can save a lot of time and effort by using a pre-made one. Luckily, there are many free and paid budget binders available online. To find them, I did an extensive search through Pinterest. As a result, I’m sharing the… [Read More]

7 Money Saving Principles That Never Go Out of Style

7 Money Saving Principles

Trends may come and go, but when it comes to money there are some principles of frugal living that will never go out of style. These principles are tried and true ways of saving money and finding better financial health, no matter what your income or financial circumstance. Take a look below at 7 money saving principles that never go out of style so you too can enjoy a healthy financial life! Money Saving Principles 1. Cash is always best. There is a saying that if you can’t pay cash for it, you can’t afford it. Try to pay cash… [Read More]

Homemade Vanilla Whipped Body Butter

Homemade Cinnamon Vanilla Whipped Body Butter

This homemade Cinnamon Vanilla whipped body butter is an easy, luxurious way to pamper yourself or someone else. This scent is fabulous for year round. 4 ingredients make a body butter that smells good enough to eat yet is moisturizing and softening for your skin! I purchase my shea butter online and it goes pretty far, I’m able to make several batches of body butter plus a few other homemade beauty products. Cinnamon is cleansing, it plumps the skin by increasing collagen, and is an antiseptic, and great for eczema. Test some on your skin first, some people are sensitive… [Read More]

10 Amazing Uses for Lemon Peels

10 amazing uses for lemon peels

The next time you cut up a lemon, don’t be so quick to toss the peel. The truth is, lemon peels have quite a few practical uses making them worth their weight in gold! A part of living frugally is using up what you have.  Take a look below at 10 uses for lemon peels that you can try. You’ll never want to toss out a lemon peel ever again! I love finding uses for things like peels – waste not want not! 10 Uses For Lemon Peels 1. Cut through the grease. If you have stubborn grease on plates,… [Read More]

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