Every year 40% of American will take on debt to pay for Christmas gifts and decorations. It has become a normal cycle of paying for holiday related purchases on a credit card and then taking 6 months to pay it off. If we flip the cycle of going in debt for Christmas and taking 6…
Christmas is such a fun time of year, but it is also the time that we may go in debt to pay for it. We always try to pay for big expenses in cash, so we have a budget and stick to it! Once the cash is gone, there is no more spending. A 12…
Pumpkin spice is in the air, and the money is flying out of my wallet! It never fails that when Autumn starts that all the really cool events around our town does as well. Saving 500 dollars doesn’t have to be a last-minute thing. You can plan ahead and have 500 dollars ready for whatever…
No spend challenges have been growing in popularity lately and they can be a great way to work on your spending discipline. A No Spend challenge can be for any length of time (day, weekend, week, monthly, and yearly) and they work to help curb spending and change your spending habits. The most effective No…
Most refrigerators in the US contain at least one jar of pickles, but that jar also holds pickle juice. What do you do with the juice when then pickles are all gone? Jars of pickles with juice are a frugal food item that have many varied uses. In a recent poll of over 1000 people,…
Everyone goes to the bathroom, but no one really talks about annoying toilet seats! Have you ever had a seat that tried to shift from side to side or was just wobbly? Well, we did and it drove me crazy! Even though your first thought may be to replace the whole toilet seat, most wobbly…
Back to school supplies is a known expense every year if you have school age children, yet so many times we forget to prepare for it. Each year your child starts school, they are usually given a list of needed supplies. These supplies can be for each individual child, like notebooks or can be for…
Celebrating your child’s birthday can be a huge experience for some families. You might go all out with an elaborate themed birthday party or keep it simple with a family only party. According to polls the average 1st birthday can run about $500 and each birthday after costs about $400 for parents. These totals were…
Budgeting is really a very simple process of determining where and how you will spend your money, but yet these budgeting myths pop up all the time. A budgeting myth is typically a principle that is taken out of context or is just misunderstood. Budgeting is a process and not a single action, so along…
Eat right, exercise a bunch of times a week, and take your daily vitamins…..these are the keys to a healthy life style right? I am all for eating less junk, being more active, and popping magic pills every day to insure that I stay healthy! According to the CDC, almost 58% of Americans over the…