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10 Simple Ways to Save Money

Stretching your weekly budget and getting out of debt takes creativity and will power. The little things you do every day will determine whether or not you will succeed.  Here are 10 simple ways to save money so your budget will go further and you can finally get out of Read More

The Cash Envelope System

As we continue our Cultivating Financial Freedom series, we’re moving on to part 3 – The Cash Envelope System. The cash envelope system is a way to manage your money that is conducive to saving. In place of credit or debit cards, you simply pay with cash. For some reason, Read More

Planning for a Debt-free Christmas

  One thing that we know for certain: Christmas will be here in exactly 18 weeks. One thing that may not be clear: Who will be celebrating it free of gift-giving debt. It’s much more joyful and peaceful to move into and out of the holidays without having to worry Read More

Periodically Reworking Your Budget

    You’re following a written budget – fabulous! You are totally on the right track.* But one of the facts of life is that nobody’s financial situation is static. There are fluctuations in income, new expenses, expenses that end, and changes in monthly bill amounts. Plus, children are born, Read More

Sticking to a Grocery Budget

Groceries tend to be a category in which many people overspend. Here are 10 tips for staying on track. via freedigitalphotos.net 1. Create a food budget! Obvious, yes, but it’s important to start here. While the average American family spends 9-12% of its monthly income on food, the amount will Read More

Back to School on a Budget

Going back to school can be overwhelming for a budget if you don’t have a plan. Here are a few tips for managing those expenses so that they don’t manage you.   via freedigitalphotos.net   1. Delay the purchase of some school supplies If your kids are in public or private Read More

Don’t Take a Vacation From Your Budget!

  Going on vacation is often the undoing of budgets in the summer months, but it doesn’t have to be that way! Here are some tips for helping you stick to a spending plan when you’re off having fun.   Scope out deals ahead of time.   If you know Read More

Budgeting Giveaway…

  For the last 5 days, I have taught you how to organize a household budget, by setting up a Budget Binder. Day #1 – Assemble your Binder Day #2 – Record of Accounts & Monthly Due Date Schedule Day #3 – Income & Debt Tracking Day #4 – Annual Read More

Household Budgeting: Day 5 – Cash Spending

  Today is our final step to setting up a household budget:  Cash Spending. Our goal for this step is to create a budget for our necessary weekly spending. Over the last 4 days, we have completed the following…   Day #1 – Assemble your Binder Day #2 – Record of Accounts & Read More

Budget Binder: Household Budgeting Planner

    Is your spending spiraling out of control?  Are your bills piling up with no organized way to track or pay them? I created a manageable way for you to get control of your household budget with my “Budget Binder: Household Budgeting System”.  The system includes everything you need Read More

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