I’ve blogged for nine months and it is time to check in on my goals and blogging progress! So far it has been a great journey. I have learned so much along the way! When I started, I had no idea what SEO meant, let alone what a widget is! (For those non-bloggers it means search engine optimization and a widget is a tool to add different aspects to your blog without having to know coding). Whew! I’m glad to be done with those beginning stages. Now I am ready to focus on blog improvement and thank you for joining me on this ride!
Not that I consider myself an expert, but I am gaining knowledge and my goals for this year are looking good. As I reflect on the past nine months, I will take a look at my goals which include social media followers, page views, and posts.
How to do your housework in 25 minutes without going crazy! My cleaning tips!
How many of you LOVE housework? I’m picturing all of you with your hands down now!
I’m right there with you? After having my second baby, I felt like my house was chronically messy and although I truly believe everyone that says we should leave the house messy and play with our children, I was having a hard time coping with the overwhelm of messiness! I realized I needed a plan to keep a clean house and it needed to be something I would be able to keep up with.
The Science Behind Keeping your House Clean
Woman’s brains perceive clutter differently than men. A study from the January Issue of The Journal of Neuroscience from The Princeton Neuroscience Institute states, “Multiple stimuli present in the visual field at the same time compete for neural representation by mutually suppressing their evoked activity throughout visual cortex, providing a neural correlate for the limited processing capacity of the visual system.” In everyday terms, the more stuff and clutter you have in your home, the more stressed out and less productive you will be. As a result, it is more difficult to focus because clutter is competing for the brain’s attention. This means as a mom, you can never truly relax. Before I read the research, I knew I felt this way often. Now I know exactly why.
So even though I spend a lot of time with my kids, I’ll opt for a clean house too which will help all parties involved because we will save my sanity! You can follow suit with this fool-proof method! Also, the best part is that will only take 25 minutes in the morning and 20 minutes in the evening. That is just 45 minutes a day, broken up into small accomplishments.
Dave Ramsey is a financial guru that has been through it all. He was a millionaire at age 26 but lost it all, only to turn it around and come back stronger at a net worth of around $55 million. Dave made it his mission to help others learn from his mistakes and to leave debt in the past.
Dave often uses biblical references to teach people about money. Moreover, he is known to quote Proverbs 22:7 stating, “The rich rule over the poor, and the borrower is slave to the lender.” After losing it all Dave has quickly built up his wealth, maintained his marriage, and now helps people learn the value of a dollar. Nonetheless, he teaches people how to pay down debt with his debt snowball methods.
Not only does Dave have New York Times Best selling books he also created a class called “Financial Peace University” where he teaches live or video version of his baby steps method for becoming debt free and building wealth.
When I was in college, I was on an extreme budget. I was taking out student loans and worked forty hours a week at a daycare making $5.15 an hour to make ends meet. I was especially excited when I received my first – drumroll please – $.05 raise. Making an extra $.40 a day really helped out with the bills. (ha ha)
After one year I left the dorms and the “meal plan” I had grown accustomed to was left back in Trout Hall. For the first time in my life, I had to start buying groceries on my own. The budget for my weekly groceries was a little less than $20 a week and that included everything. How did I make it work? At the time, I shopped at Wal-Mart and bought the same thing every week. Occasionally, my cousin would go shopping with me. I knew what the exact total would be when we arrived at the checkout and my cousin found this hilarious.
This was my first experience with meal planning. I wasn’t as organized as I am now, but I pretty much ate the same thing from week to week and stuck to a budget.
The college years were rough but I am now an adult and have experienced what it is like to make a decent salary. Nonetheless, I continued to use my frugal ways to budget for groceries and other areas of my life. However, since I made more my budget was higher than $20 a week for groceries. Funny enough, I still had a good idea of what my grocery bill would be when I passed through the check out because I allocated myself a certain amount of money for food and household items and used meal planning.
How badly do you need a budget? Budgeting is hard work and it is best to gain all the knowledge and information you can before attempting to create your own. In this way, you will create a budget that will work well for you and your family. Yet, scavenging around the pool of information we call the Internet is especially time-consuming and it is hard to weed out the good seeds from the bad. So I have done the work for you!
This week on I Heart Frugal, I have compiled a list of budget posts to help you get started on your budgeting journey. My fellow personal finance bloggers have a wealth of information to share that will get you back on track to an amazing debt free life.
Each picture will feature a link to the post and the blog title below. Check out my post on budgeting here and use these other posts to really dive into starting your budget and making your money work for you.
So when I was a kid, I used to swim every day. I would swim for fun! I would swim for exercise and because I grew up by a lake, I thought this made me an excellent swimmer. Daily walks to the lake entailed swimming laps and laying out in the sun. This was a way of life when you grew up a few blocks from the water. Winter was your enemy and summer your best friend.
Yet, that day in the five-foot hotel pool told a story of a different swimmer. Not the story of a swimmer that could swim laps around Michael Phelps, but of a vulnerable kid that could not get a grip. That was the day my brother started drowning. Yet, being the great swimmer that I am, I knew I could save him.
I saw it so differently in my head. I envisioned diving in, grabbing him, and pulling him to the edge. It was all so clear and I would be a hero!
However, I didn’t take into account, when the water is over your head and the other person is panicking – by the way, I’m not a life guard – saving them is near to impossible.
As I swam up to my brother bobbing up and down grabbing for any inch of air to fill his water-logged lungs, he grabbed me and started taking me down with him. I – the great swimmer from Michigan – started to panic myself.
How many of you need to save money on your grocery bill? Yet, it is not always easy to search the Internet and find information. There is so much out there and searching is time-consuming and overwhelming. Here at I Heart Frugal, I am always on the lookout for better ways to help you save money and keep your budget on track. Frugal living means living within your means and leaving the “wasted money” category out of your budget. Saving on your grocery bill is one of the easiest ways to cut back.
For the next few weeks on the I Heart Frugal blog, I will be providing you with some amazing reading! I will feature “Saving Money” round-ups with the help of some fellow personal finance/frugal living bloggers. This week, these ladies have taken the guess-work out saving on your grocery bill. Check out their posts and learn how to save BIG TIME!
Below each picture, you will find the link to the blog post and the name of the blog. Go ahead and check out these amazing posts! Your budget will thank you!
What I Learned after selling 65 Items out of my closet and getting rid of “stuff”…
Have you ever considered what clutter does to your brain? Research shows clutter has a negative effect and more so on women. It makes us ladies feel unfocused and out of control when clutter starts to take over. It is difficult to feel content in an ever so cluttered environment.
Yet, many of us do not want to let go of our accumulated messes because our stuff holds value and sentiment. According to the Journal of Consumer Psychology, we see our stuff as part of us which explains why it can be so hard to clean out those baby toys or clothes you once looked so fab in.
A study from the January Issue of The Journal of Neuroscience from The Princeton Neuroscience Institute states, “Multiple stimuli present in the visual field at the same time compete for neural representation by mutually suppressing their evoked activity throughout visual cortex, providing a neural correlate for the limited processing capacity of the visual system.” In everyday terms, the more stuff and clutter you have in your home, the more stressed out and less productive you will be. Your clutter will always be competing for your attention, and that precious time could be so well spent elsewhere (like with your kids), which leads me to why I am writing this post.
Have you ever considered using a spending journal? You may be thinking, “Why would I want to add one more thing to my “To Do” list?” Yet, tracking your spending could be the one aspect of your budget you are missing to put the “debt free” back into your life. Nonetheless, journals come to mind when writing about feelings and yes, they are more commonly used for this type of writing, yet isn’t your money journey just as important as your emotional journey? These two aspects of life are intertwined immensely.
Writing down what you spend will give you a clear picture of where your money is going and help you solve your debt puzzle. I suggest making this the first step to beginning your budget and obtaining financial freedom.
Spending Journal: A written journal of all the money you have spent that week or month. I recommend tracking your spending for at least a week, but a month would be better and will give you a clear picture of how you spend. Moreover, once you have this in place you can begin to trim the fat off of your budget and use the extra money to pay down debt or save for an emergency fund or retirement.
Today is an exciting day! I have my first guest post on the I Heart Frugal blog. Sury Jane from onlycanistervacuum.com is here to tell us about her amazing cleaning hacks. In Sury’s post, you will find ways to save time and money while maintaining a clean house. Her tips are so easy to use, you will wonder why you didn’t start sooner. Please be sure to check out Sury’s blog, onlycanistervacuum.com and social media links listed below the article. She really knows her stuff when it comes to keeping a house clean!
5 Borderline Genius House Cleaning Hacks to Save You Time and Money!
Spring has sprung and there’s no better time to get all the dust and germs that accumulated over the winter out of your house. Though it may seem far off, the holiday gift-giving season is not that far away. Instead of spending loads of money on Spring cleaning supplies, here are 5 frugal house cleaning tips to save you time and money.