The start of a new year is a great time to begin a different approach to paying down your debt! Let this be the year that you make a big dent in your debt, or maybe even get debt free! One of my favorite ways to tackle debt is with Dave Ramsey’s debt snowball method because it works well when you have debt from multiple sources. To make it easier for you to start your debt snowball, I created a Free Printable Debt Snowball Worksheet! The debt snowball is part of Step 2 of Dave Ramsey’s 7 Baby Steps. The… [Read More]
Top 10 Frugal Living Books
I love to get books for holidays and my birthday! Digital or traditional, I don’t care, I just enjoy a good book! It also doesn’t matter to me if the book is fiction or non-fiction. A book full of helpful information and/or inspiration is just as enjoyable as a great story! So between gift-giving occasions and my own purchases, I’ve amassed a pretty good library of frugal living books. I figure if there’s any investment worth making, it’s in a book that can help you save money! If you’d like to add similar kinds of books to your wishlist, or… [Read More]
Envelope Budgeting System Free Printable Envelopes
If you’re working on saving money, there are few easier ways than with the envelope budgeting system! It’s very flexible, in that you can make an envelope budget for every area of your finances, or you could just make an envelope for a single area or two, like groceries and eating out. While regular mail envelopes technically will work just fine, budgeting is more fun if your budgeting tools have pretty designs! Make your budget stylish with these Envelope Budgeting System Free Printable Envelopes! Never heard of the envelope budgeting system before? It’s not too hard to understand. The basic… [Read More]
Tips For Financial Stability In The New Year
Nearly every family suffers from some sort of income instability at one point or another. Working toward financial freedom and security is a tough thing to manage. But it can be done with some simple tips you can apply to your life no matter what your current income or debt status may be. These 5 easy tips for financial stability in the new year will hopefully get you on the right track to meeting your financial goals. Tips For Financial Stability In The New Year 1. Create a functional family household budget. If you don’t have a good solid family budget, then you… [Read More]
5 Reasons Why You MUST Have a Budget
We’ve all heard it at one point or another- “you need a budget.” But what we don’t usually hear after that is exactly why we need to have one. It’s important to know why, especially if you’re new to budgeting or saving money. You already know that having a budget can keep your spending on track, but have you ever considered the other reasons why you should have a budget? Yes, there are other reasons! Why You Must Have a Budget 1. Having a budget can actually help bring your family closer together. I know that it’s not quite obvious… [Read More]
How To Make The Simplest Budget Ever!
Budgeting can be so complicated, can’t it? It seems like every week there’s some new budgeting software, app, or tool that is being recommended, and we go off and running to test it out only to end up frustrated and not liking it. Over-complicating things or hopping around trying different systems can really do damage to your budget if you’re not careful. Once you find a budgeting method that works for you, there’s not really any reason to switch except in one single case. If you’re finding that your budget is more involved and complicated than what you need, then and… [Read More]
Dave Ramsey’s Seven Baby Steps Explained
Have you ever heard of Dave Ramsey? If so, you’ll know that his programs, Total Money Makeover and Financial Peace University are all based around 7 baby steps that he advises you take for your financial future. If you’re new to his programs though, the baby steps can be confusing to figure out. Let’s take a look at Dave Ramsey’s Seven Baby Steps Explained so that you’ll be able to make your start toward a debt free life! Dave Ramsey’s Seven Baby Steps Explained For the most part, the seven baby steps are not meant to be done at the… [Read More]
How To Plan An Emergency Menu For Your Family
Having an emergency menu plan for your family is an important part of any emergency preparation plan. If you lose your job, have a “tight” month or suffer a big drop in income for any reason, your emergency menu should already be set up for your family to fall back on. Planning an emergency menu might seem like a huge task, but it’s really not. It just takes a bit of thought. How To Plan An Emergency Menu For Your Family To start, you’ll need to identify the “bargain” foods that your family likes and gather any recipes that you have… [Read More]
