Budgeting can be difficult! It’s easy to get overwhelmed trying to categorize expenses and determine the correct amount of income you should be allocating for each one every month. It seems like the cost of living has been slowly creeping up, which inevitably changes your entire budget. When one category starts to rise, you …
Dave Ramsey’s Budget Percentages and How My Budget Compares Read More »
We all know that beauty products can get crazy expensive, but there are some really great options that won’t break the bank. These are six of my favorite hair, body and makeup products that are all under $10. Not only are they budget friendly, but they actually work! These are all affordable products that …
We’ve talked about how to create a budget, but what about actually sticking to it? That’s the hard part, friends! Most of us that have a set budget try really hard to hit our goals. We start out with great expectations and intentions, but then life happens and we stray off course. Don’t beat …
It is important to have an emergency fund so you won’t go further into debt when life happens, as it inevitably will. The baby emergency fund is the bare amount you should have before aggressively paying off debt. This provides a cushion to help you in unexpected emergencies, like a car repair, sick child, …
When you are budgeting and trying to live the frugal life, holidays can be quite a challenge. You want to shower your partner with gifts that show your love but not break the bank. Like, I would love to give my husband a top-of-the-line Rolex, but my budget is more in the Timex range. …
Maybe you’re already living that frugal life, or maybe you’re still wondering how to get started. Either way, these highly effective habits of most frugal people will help you make the most of your money. Frugal living doesn’t mean going without or not being able to spend anything at all. It also doesn’t mean …
When it comes to grocery shopping, how often do you choose the generic over the name brand? The grocery budget is always my biggest challenge. I grab generic brands probably 75% of the time. Staples like flour, sugar, butter, milk, and eggs are always an easy generic pick. However, there are certain things I …
When we sat down for the big budget meeting at the beginning of our payoff planning, we knew that our monthly cable bill had serious room for reduction. Cutting the cord completely had been a major topic, but I never really thought we could do it. I loved my DVR and infinite channels and …
You usually see people resolving to work on their physical fitness in the new year. They join a gym, buy new workout clothes, set big goals and change their diets. Well, what if I told you that your financial fitness is just as important as your physical fitness? Just hear me out! The new …
Let’s dive into some of the monthly savings that I touched on earlier in The Budget Meeting. We were able to free up almost $1,000 each month by carefully reviewing our expenses and editing some excess. One major category that we trimmed was my monthly vitamin subscription. It was fancy and trendy and just …
