Top Favorite Frugal Gift Ideas

Favorite Frugal Gift Ideas Holiday gift giving can add to the magic of the season, but only if the bills don’t follow you into January. Thrifty, FUN Gift Ideas Start Here What if the gifts you give this Christmas can enhance your time with family and make for a less stressful, happier vacation without breaking the…

How To Prepare For a New Baby On a Budget

You’re pregnant? Borrow borrow borrow! Where To Begin No, I’m not suggesting borrowing money or going into debt or overspending. I’m talking about preparing for a baby’s arrival and BORROWING what you’re in need of. That’s a first, doable step in preparing for a new baby. We all read the statistics of how much of…

Traveling On A Budget – Magical, Unforgettable, Cash-flowed Travel

Priorities And Your List of Dreams Traveling has always been a priority for me. When I was about 12 years old, I received a daily email with an inspiration. One day the inspiration was, “see everything outside your front doorstep through a tourist’s eyes”. I’ve loved that and try to keep it in mind.  (Here’s…

Unexpected, Forgotten Expenses That Can Break Your Budget – And How To Prepare For Them

When Murphy Comes Knocking We’ve all heard of Murphy’s Law that when things can go wrong, they will go wrong. And when it comes to a budget, especially when you’re just starting out with making one, a hit by Murphy can knock your budget to the floor pretty fast. But what will help resuscitate your…

How to Make a Budget

Make This Money Measurement Called a Budget in 30 Minutes No need to be intimidated. You can have this measurement showing you where your money is going in no time! A budget measures what money you have coming in, and it will also show you where each dollar is going. Ever get to the end…

When You Fall Off the Money Saving Wagon … And How To Get Back On

Debt Free Living Debt free living is vibrant and feels luxurious, even if it requires the saying no occasionally to things all along the way in order to say YES to the things that matter most. This kind of living can happen once you spend less than you make and continue to spend less than…

What Is Financial Fragility and How Can YOU Be Finanicially Stable and Resilient?

Half of Americans would have to go into debt or sell something in order to cover a $400 unexpected expense. That is financial fragility. It is a precarious and fear-inducing fact. Let’s change that! You can feel financially safe and secure when you are certain your behavior matches the recipe for financial success – spending…

All That Money You’re Paying Towards Debt Each Month, What Would You Rather Be Spending It On? Debt Free Living Is Possible!

Whether you feel debt-free living is just a few paychecks away or you feel retirement will always allude you, this post is for you. I’m a stay at home mom of four in southern California. We’re debt free. No, we weren’t born into a celebrity family nor did we win the lottery. It’s simpler than…

What Are Ways You Can Spend Less

What Are Some Great Ways to Spend Less? Spending less doesn’t mean having a drabby life. Far from it! Let’s make saving doable. Spending less than you make is the tool to financial freedom, peace of mind, resilience in crisis, and offers the opportunity to live and give generously. Avoid Avoid going to the mall…