What To Do When Everybody Seems to Buy Everything They Want

Have you ever asked yourself, How does my coworker afford that? How are they able to get that new phone? Did you see their new car? Look at their vacation! How do they do it? Debt does not add to peace of mind, to financial stability or resilience to financial crisis, yet 8 in 10…

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…

What If The Way You Shop for Groceries Could Change Your Life?

Food, food, forgettable food spending… And how to CHANGE that today! Eat better, save better, and maybe even travel better! Read on. Food can be forgettable or unforgettable – either way it can be kept within budget! I’ve blogged incessantly about SAVING money, because it has literally CHANGED my life! We just went to Rome…

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 Money Is Tight, What Do You Do?

When Money Is Tight, What Do You Do? Ways to Get Debt Free That Worked For Me I’ve posted before about how we’ve been debt free for the majority of our marriage, except for student loans in the beginning, which I paid off by selling preowned high end designer clothing while I had two children…

30 Day Spending Freeze Challenge

Ever wonder what your incoming vs. outgoing money ratio would look like if you took a certain amount of time to only spend on needs and not wants? Do it for a week or a month at a time. Add up at the end what was spent. Compare that to what was spent during an equal amount…

When You Feel Your Budget Is No Fun….

When You Feel a Budget Is No Fun…. A budget, especially a budget being used to get a person out of debt, is a motivational and educational tool to encourage spending less, saving more and stretching each dollar.

I Want X. Can I Afford It?

I want x. Can I afford it? First, can I afford it does not mean do I have a line of credit that allows me to go into debt to acquire this? It means do I have the money saved up to pay for this thing I want?

Getting Your Spouse On The Savings Wagon

Getting Your Spouse On The Savings Wagon What would you do if you were debt free? How would your choices change? What unforgettable ways of spending money would be yours? Often one person in a relationship gets on board. They want to intensely cut out all wasteful spending to either pay off debt or increase…