MORE FROM THE BLOG:
How To Cut Your Budget When There's Nothing Left To Cut
We've all been there before. Your credit card statement is staring you in the face and your checking account is just cents from zero. It happens. Time to make some household budget cuts. And then you get mad at yourself for allowing your finances to get in this awful...
How To Live On $2,000 Per Month
There are two types of people who want to live on $2,000 a month. There are the people who only have $2,000 a month, or there are those who want to live on less by living on $2,000 a month and saving the rest. I’ve been on both ends of the spectrum, so I know what...
The Items You Are Forgetting To Include In Your Budget
When creating personal budget categories for your family, most people will start by either revisiting a previous budget they put together or by making a list of all their bills to figure out where money needs to be distributed. Budgets that are created based solely on...
Are These Poor Money Habits Making You Broke?
We are all guilty of certain bad money habits. In fact, I am willing to bet that even if you are the most frugal person in the world, you are still guilty of at least one bad money habit. For me, it was too easy to use our credit card. Over just a short period we...
The Biggest Mistakes People Make When Budgeting
The idea of creating and sticking to a budget probably sounds pretty straightforward when you start the budgeting process. All you have to do is make a plan for where you want your money to go and then stick to it. Sounds pretty simple, right? But you can easily make...
How To Fill Your Emergency Savings Fund In Just 2 Months
Whether you're trying to pay off debt or just getting your financial life in order, we all need an emergency savings fund or a rainy day fund. Emergency funds are so essential for our financial security. When a financial crisis and unexpected expenses occur, instead...
4 Sneaky Mistakes To Avoid When Trying To Get Out Of Debt
Paying off debt can be an incredible life changer. No more worry about having enough money at the end of the month. ​No more frustrating bills coming in the mail showing how much money you're spending on interest, and wasting, because you used someone else’s money....
How To Stretch Your Budget When You're Tight On Money
Everyone encounters a time when you have to use budget savers to make the money you have last until it replenishes and the budget resets. It's usually when you’ve decided not to spend any money for a short period (by doing a spending freeze), or there just isn’t...
The Truth About Debt Reduction Services
There is no such thing as a quick fix when it comes to paying off your debt including debt reduction services. However, debt reduction services can feel like a dream come true during tough times. Kind of like a Fairy Godmother that can wave her wand and make our...
How To Create A Budget When You Hate Budgeting
When it comes to creating a good budget, sometimes we make it harder than it has to be. Here's the thing, a good budget will not only tell your money where to go but help you stay on track, so you don’t overspend. While it is good practice to track your spending...
How To Raise Your Credit Score
Raising your credit score rating is a lot like losing weight. It’s not something that can happen overnight, and there is no such thing as a quick fix. Your credit score is determined by your past behavior and not just what you are doing presently to address it. So it...
How To Achieve Big Goals For Your Finances This Year
I know what you're thinking...how to achieve big goals for your finances already seems daunting. Until this point, I had never shared my goals with you. Can you believe it? I started my frugal living journey long ago because I wanted to live a more meaningful life and...
How Debt Affects Your Credit Score
Many factors play a big role in your credit score including your debt ratio. When it comes to your finances, your debt ratio can ruin even the best financial situation. It can ruin even more than that. Your debt ratio will not just affect your ability to spend, but it...
This Is The Time For Planning Your Financial Future Success
How do you go about planning for your financial future? Think back to five years ago. Are you where you wanted to be now? Do you even remember where you wanted to be five years ago? This is perhaps one of life’s hardest questions since a lot can change in just five...
Tips To Pay Off Debt Even When You're Broke
How to pay off debt with no money. Getting out of debt isn’t easy, and it can be even more difficult if you find yourself without much money to spare. Even if you are living on an extremely tight budget, you can still pay off your debt. Because, truthfully, no matter...