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.
Henry David Thoreau once said, “Almost any man knows how to earn money, but one in a million knows how to spend it.” Translation: Most people have not mastered the simple art of frugal living – living within your means. It is common place to use credit cards and buy on a whim. Moreover, debt continues to grow and as your paycheck fizzles away, plastic replaces reality. Spending more than you make becomes a habit and your debt becomes a way of life.
Are you in debt? You are not alone. Over 50% of Americans are in debt right along with you. The average American family carries a credit card debt of $8,377 according to CNBC.com.
One solution is to toss up your bills and hope you win the lottery, but your odds are super low. So now is the time to solve your debt dilemma.
Have you been toying around with the idea of starting a blog? I was right there with you about seven months ago. You see, I am a stay-at-home mom of two boys and I wanted to find a way to continue to be a stay-at-home mom.
I was a teacher for thirteen years but the thought of leaving my kids and going back to work was really hard to imagine. Yet, I knew if I didn’t find a way to make some income, the plan was (and still is) for me to go back to work.
Don’t get me wrong, I love teaching too, but when I went back to work with my first son I was having a hard time juggling the demands of being a special needs teacher and spending quality time with my baby boy. Not to mention, my son became terribly sick after attending day care, which sent us into a three-month cycle of ear infections and no sleep. Shortly after, I left teaching and I’m now at home with my beautiful boys.
Life is fun chasing after these two and blogging on the side. I’m making a small income (very small) from my blog, but my hope is to learn more and increase my income as my blogging game improves.
How I got Started
Creating a website sounded fun and interesting to me. BONUS – I like to write! However, it is difficult to put yourself out there and get used to knowing that whatever you publish can be read by all (YIKES!).
Truth be told, I had no idea how to start a website, let alone run it and make it pretty (Yes, still working on this). So, it is crazy that I am now writing a tutorial on how you can do the same.
If you are reading this, you are in the same boat I was in a few months back. I was spending countless nights reading blogging “how to’s.” What I learned…It is a bit intimidating, but it is not that hard! I learned how other people start blogs daily (seriously, there are millions out there) and many bloggers do so while working full-time jobs. And yes, being a stay-at-home mom is a full-time job but I decided to give it a go and you should too!
If this story resonates with you and you are still toying with the idea of starting a blog, I say go for it. The only way to become a successful blogger is to dip your toes into the water. It will feel amazingly refreshing once you get started.
This post contains affiliate links. This means if you click a link and make a purchase, I will receive a small commission at not cost to you, so thank you! This helps me continue to provide you will all my money-saving and making tips!
Do you work hard but can’t seem to catch up? Are your bills piling high like a stack of pancakes at IHOP? It may be time to find some worthwhile side hustles to help you increase your cash flow
What Are Side Hustles?
They are ways to earn extra money, on the side as opposed to your regular nine to five! As we talked about in budgets 2017, you may be spending more than you are bringing in. Unfortunately, you will always be at a deficit if this is the case.
You can slash your grocery bill for starters (learn how here). Yet, if you are still living beyond your means coming up with a sensible budget and supplementing your income with a side hustle will be the trick to putting you back on track.
Why Use My List of Side Hustles?
Pay off debt
Save for a purchase (car, home, wedding)
Catch up on bills
Save for a vacation
Earn extra spending money
Learn a new skill
Work from home
Build an emergency fund
Put away money for retirement
Whatever your predicament, I have created an ultimate list of 75 side hustles for you to earn extra cash.
Disclaimer: This post contains affiliate links. If you click a link and make a purchase or sign up for a program, I may receive a small commission at no cost to you, so thank you!
I have to admit, I fell a tad behind on my “Grateful to Greatness” series. Ironically, after writing a post about being grateful for my health, my entire family came down with the stomach flu. The illness took up another week of our lives and I’m happy to say, we have finally recovered. We are back to being a healthy bunch and for health, I am grateful once again.
For now, this will be my last post in the series. If you missed the first two check them out below:
This week, I would like to focus on Family. Where would we be without them? My family is so very important to me. They are there for me when I need them and at times they can drive me crazy, but I wouldn’t choose anyone else to share my life with!