Money fails and finds…We’ve all had them. There are the times when we wanted to save an extra buck or two but ended up spending an outrageous amount. Saving money isn’t always fun. At times, it is down-right difficult. Not to mention, spending money is more fun, right! I’m with you! However, sticking to a budget, when you are clearly not rich, will help you live a stress-free, happier life.
On the contrary, it is amazing to find money. For example, think of the day you put $10 in your pocket and then put those pants away for the winter. Spring cleaning rolls around and you are $10 richer! Finding extra money is the best feeling.
Yet, coming into money shouldn’t be so arbitrary. Finding concrete ways to save money will help you in the long-run. (Check out my Budgets 2017 – New Year, New Budget Post for help on this.)
Sharing Our Stories
Today I’m going to share some examples of times I failed at saving money. Although these were money mistakes, these failures led me to growth. Hence, a money mistake is never truly a mistake if you learn from it.
How many times have your heard someone say, there are already millions of people doing something, so you shouldn’t bother? Blogging could fall into that category. Yet, I decided to start a blog anyway.
There is definitely a learning curve in blogging. Nonetheless, in my journey, I have grown by leaps and bounds. Yet, I have so much farther to go.
Even before I started blogging, I did my research but still didn’t realize what blogging would entail until I actually got my feet wet. I spent countless evenings reading on Pinterest while putting my sons to bed. I read about how other moms started blogs and managed. It was interesting to learn about the mistakes and marvels of the fearless mom-bloggers before me. There are numerous inspirations and some day I hope to be one of them!
One blog that inspired me to get off the couch and start writing is Kristen’s Believe In a Budget. Seriously, a big shout out to Kristen! Moreover, this blog features tutorials on how to blog and gives you fundamental information on starting. She is also an expert on Pinterest, which is awesome if you want people to read your blog. She even emailed me back a few times when I needed help.
Money making apps are becoming extremely popular. Many of us are just trying to get by with our regular jobs. Then there are the families living off of one income, like mine. So some extra cash here and there can really help out. Especially when you are earning income for something you already do, like grocery shopping or trying to get rid of unwanted clothing.
Moreover, these money-making apps are awesome at adding supplemental income and time-savers because you are not clipping coupons! So pull out your smart phones and get ready!
Some of the Apps listed below require some work, but are by far, my favorite ways to earn a side hustle, as they like to say now days! However, they are all user-friendly and worth your time! Especially if you are looking for some play money or want to budget for next month’s grocery bill.
This post contains affiliate links. If you click a link and make a purchase or use a code, I will receive a small commission at no cost to you, so thank you!
Do you love saving on your grocery bill? Me too!! It is a needed expense and at times it can chip away at your monthly budget. I’d like to lower my grocery cost but with two kids and a husband, we are mainly buying budget food we need and we don’t really go overboard. (Well, maybe a little at Costco)….
Luckily, there are ways to help the average person save! The Ibotta app actually gives you money back on your grocery bill and other items you buy!!
I’ve been using Ibotta for around two years! It saves me the hassle of always having coupons with me. Although, you can stack coupons with this app.
We often hear people talk about a need versus a want and the impulse to spend? However for the average impulse spender, this may sound like a foreign idea. If we want it, we need it, right? Impulse buys are one major way to throw off your budget. Nonetheless, being able to have impulse control over spending could really save you money.
You may be asking, why would I want to do this? I like shopping! I love treating myself and I love the thrill of spending!
Yet, do you ever have that feeling of emptiness after you bought an expensive item you didn’t need? Have you ever bought something to make yourself feel better? Well this post is for you (and let’s face it 90% of us have-including myself!) Retail therapy used to be my stressor’s best friend.
So what is a need?
There are the basics. For example, we need food, water, clothing and shelter. Additionally, paying your mortgage/rent and utilities are big needs. If you have children you will need diapers and baby food. Additionally, we all have transportation costs. In fact, needs vary from person to person. Therefore, prioritize what you really need. Then if you have money left, buy your want! (That’s after saving too.)
Failing to plan, is planning to fail. – Benjamin Franklin
Goal setting… A way to reach for your dreams. As a former teacher part of my job was to teach kids to believe in themselves and set out to fulfill their dreams. It’s true, many of us have a clear vision of where we want our lives to be. Yet, we have no idea how to take that next step on our paths.
Nonetheless, setting goals is a big part of achieving your dreams. Yet, if you are ready to do what you need and want to do, you will need a plan of action.
Many goals are financial, personal or health related; whatever it is you want to work on, you will need to set up a plan to reach high and meet your goals. You’ve got this.
Looking forward to that bookmark of the New Year and making resolutions? It feels like a weight has been lifted and a fresh clean slate is readily waiting.
I’m excited about what the New Year has entail for me and my family and I’m wishing you all the best, my friends!
As it is the norm to set personal New Year’s resolutions, it is also important for me to set some blog resolutions as well! I haven’t always been a fan of resolutions because I believe, if you want to do something, you should just do it! However, I do get it. It just feels good to have a deadline to start anew and try to do things differently in the new year.
I’m a planner by nature and having something written helps me drive my car into the right direction. I’ll be driving towards success this year (I hope:-). So come along with me for the ride!
I’m hoping to improve my blog and learn as much as I can in 2017. So without further adieu… drum roll please… here is what to look for in my iheartfrugal.com blog in 2017!
Wondering what to do with all of those small little burst of Christmas joy you received in the mail this year? Christmas cards are such an old, fun tradition and they make us feel all warm and fuzzy inside. Opening up Christmas cards is the start of the Holiday Season for most! Pretty glitter, cute pictures, Holiday scenes…It is no wonder we rip open the envelope immediately upon receipt.
Nonetheless, I was raised not waste. I often wonder what other people do with the cute pictures I spent tons of time on. You know, all the fun of picking out cute outfits, getting pictures, typing or writing address labels. Not to mention, these sweet little well wishes cost money?
Don’t get me wrong. I love this thoughtful tradition as much as the next. With that being said, I have to admit, I have a hard time throwing away Christmas cards. It could be my sentimental side… People took time out of their busy lives to send me and my family a special Holiday note. What a great way to say you care.
Anyone looking to workout in the New Year but an expensive gym membership isn’t in your New Year, New Budget plan? Of course, most of us have the best intentions to get into shape and stay healthy in the New Year. For this reason, good results can come from hiring a personal trainer and hitting the gym 3-4 times a week, right?
No doubt, it is discouraging that a good workout has to cost so much. All things considered, paying $50 for a gym membership and an extra $20 for classes or a trainer is too much for the average person.
You may be thinking… I have to pay in order to stay healthy and do something I don’t necessarily look forward to doing? I’d rather just hang out and watch a movie! (Yep – That’s me!)
Staying Healthy on a Dime
Moreover, since I think health is a top priority, I had to figure out a solution. Can you workout and stay on track with your budget? Of course! Where there is a will, there is a way!
Ahhh… The New Year is upon us. Many look at the New Year as a time of reflection. A time to reevaluate what is working in our daily lives and what needs a facelift. Yet, in all the Holiday hustle and bustle, we forget to reevaluate one important thing…our budget. After the Holidays, many are left with mounds of credit card debt and are left thinking, “Now what?” Where are the funds to cover the debt. or to pay the bills?
Moving forward, it is best to enter the New Year with a fresh outlook on your budget, among all the other resolutions that come to mind. Furthermore, you are reading this post, so you are making a step in the right direction. As you plan out your resolutions, keep your budget as a top priority! Staying within your budget in 2017 will help everything else fall into place like a key into a lock. With a few simple budget calculations, this will be a great year for all of us, my friends!