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…

7 More Ways to Save

Seven More Ways to Save (Car Edition) Fuel Gas for cars – here in southern California, my husband just filled up for over $4/gallon downtown. But there are places near us in the suburbs that are closer to $3.50/gallon. Paying attention to gas prices can save more than pocket change. (There are apps to find…

Do You Want to Look Like a Millionaire or Be One?

Reading Chris Hogan’s page this morning, and his question got me thinking about “Do you want to look like a millionaire or be an #EverydayMillionaire?” I write this blog as a mom of four, living in notoriously expensive southern California. In California, cars are loved a lot. And that’s great. But it’s been surprising to see…

3 Ways to Think Outside the Box and Save Big

Here are three slightly unconventional ways to save. 1. Need a haircut every six weeks? Not comfortable cutting it yourself (I did this for the first time this month and couldn’t have been happier with my self-given, free hair cut)? Check out a beauty school near you. You can often get a haircut for a…

Can You Wait 7 Seconds and Save?

My son who’s naturally optimistic and satisfied helped me this weekend  when I started to say “I want” with the thought change to “what am I *grateful* for?” Advertising tempts me to be in the “I want, I want, I want” mode in my brain. Advertising does not succeed by convincing the potential consumer to…

Buying More Stuff Adds Stress And 2 Ways To Stop

Buying more stuff (often) adds stress … no matter how we’ve fooled ourselves to believe otherwise. I’ve written before about how we got debt free during those first couple years of marriage by selling on eBay (click here if you want to read more about that). I had some student loans to pay off and…

Who’s Got Time For a Garage Sale? I Don’t

Who’s Got Time For a Garage Sale? I Don’t and You Probably Don’t Either But how about making hundreds of dollars each month til you’ve sold through any excess you have in your home, your garage or your shed. “Sell through so much stuff, your kids think they’re next.” Dave Ramsey First, where to sell…