Are you a spender or a saver? Many people spend money in different ways. Some are cheap and only spend a little, yet others (over half of Americans) spend freely with little concern about debt.
I would like to think I’m somewhere in the middle. I don’t carry credit card debt and have over six months of an emergency fund, but I do believe in the old Greek saying that translates to everything in moderation, even saving.
Obviously, you can’t save everything you make, or you wouldn’t be able to pay your bills. Yet, you will find once you start training yourself to save, you will learn to like it and keep your money by creating separate funds for everything. It will feel great when Christmas rolls around and you have money for gifts this year!
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!
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.
In today’s world, it is hard to get by with the mess of clutter that envelopes our heads. Everywhere you look there is a different company trying to advertise something. Most people are walking around 24/7 with “clutter-head” (a new word I invented) and this clutter from billboards, television, social media and even e-mail ads are literally clogging up productivity. If we are being honest, the clutter in our houses piles up, just like the clutter outside our homes. As this clutter seeps in, our budgeting goes haywire and when this occurs wouldn’t it be nice if we could slash our grocery bill?
Stay with me here…If your stuff-cluttered house needs a cleaning and your bills are cluttering up your counter, how easy is it to lose the bill that was due last week and start to fall behind. Furthermore, if our time is also cluttered, running here and there, we become unproductive. Think of the last time you spent an hour looking for your keys. Clutter leads to wasted time and wasted money. You could be using your wasted time implementing my tips to slash your grocery bills listed below.
Is your relationship lacking that spark it once had? Do you feel the need to reconnect with your partner? If you are in this boat and looking for ways to reconnect, date night is the obvious choice! I know when my husband and I feel a little off-balance; nothing helps more than spending some quality alone time together. However, we try to stay on budget and going out to dinner and a movie, although a nice treat once in a while, can cost an upwards of $70, and that figure does not include a babysitter. We are now paying over $100 for a few hours of entertainment.
Unfortunately, many couples cannot afford to spend this amount of money on a night out and are left feeling like their marriage is in a rut. However, date night once a week can literally save your marriage. Yet, it doesn’t have to break your bank. There are many alternatives to dinner and a movie that are as frugal as your first kiss!
According to Dr. Charles D Schmitz and Dr. Elizabeth A Schmitz, marriage experts from “The Simple Things Matter,” one of the predictors of a successful marriage is finding joy in spending time together. Couples that spend alone time together are more likely to stay married. With a divorce rate of 40-50% in the United States alone (American Psychology Association), finding ways to stay together are extremely important.
This is my third round of bi-weekly dinner meal planning! However, this time it comes with a twist! Why? A fellow frugal friend needed help. She had to find a way to feed herself and her husband for two weeks, but the kicker was she only had $35 for food. Realizing the need for low-cost meal planning, my “$40 Meal Planning Your Family Will Love” was born.
Inspired by her situation, I wondered how many others out there could use low-cost meal planning. So my challenge for this round is to keep your grocery bill around $40. Hopefully, you have some items on hand and you will spend even less, but if you do not, you will come out right around $41. This list is a dinner meal plan so let’s see how well we can do. Be sure to read until the end and click the printable grocery list to save you time and money! My shopping for this meal plan was mostly done at Kroger.
Keep in mind, if you are saving money on your groceries, you will be able to put money away for other important areas of your budget such as an emergency fund, savings account, or retirement fund. Cutting your food costs is one of the easiest ways to put extra money in your pocket. Not to mention, my $40 meal plan will save your sanity because you will not be rushing around your kitchen, like a crazy person, trying to throw something together when your kids are hungry. This is not a fun situation for anyone!