February 2019 - I Heart Frugal
Home » 2019 » February

Month: February 2019

Budgeting, Save Money

Use My Sinking Fund Method to Build Savings

My Sinking Fund Method – My Secret to Saving for Everything

Use my sinking fund method to get out of debt #personalfinance #savemoney #budgeting
Use my sinking fund method to get out of debt.

Have you heard of sinking funds? Sinking funds could be the number one game-changer to your personal finances. This little money hack will provide you with a clear way to save money and actually trick yourself into saving more. Learn how to use my sinking fund method to change your finances today.

 

Sinking funds help you set savings goals for specific purchases and can be turned into automatic savings so you don’t have to think about it.

 

Are you in debt? Around 80% of Americans are currently in debt according to a 2018 study by Comet. It is no wonder saving money is difficult and most shy away from it.

 

However, you can use my sinking fund method to start saving for just about anything including debt repayment.

 

The sooner you are debt-free the sooner you can start living and forget money stress. So why not start with a plan and make your plan automatic.

 

In this post, you will learn the who, what, when, where, and why of sinking funds.  

(more…)

by | 10 Comments
Family/Life, Save Money

Best Savings Hacks Without Clipping Coupons

Best Ways to Coupon Without Clipping

Clever Ways to Save Without Clipping Coupons #moneytips #couponing #savemoney
Clever Ways to Save Without Clipping Coupons

Do you like saving money? Maybe you are new to whole the “couponing thing” and are starting to realize clipping coupons and finding store match ups is time-consuming. 

Not to mention, it is hard staying organized. You need a place to store your coupons, organize them by product categories and keep track of expiration dates. This is a major time-suck and time is money.

Plus, it isn’t worth it if you are only saving $1-$2 per shopping trip. And unless you are really into extreme couponing and have hours to spend each day, then you should consider other ways to save money on groceries and everyday items.

In fact, I just watched an episode of Extreme Couponing and the woman spent 60 hours per week on couponing. I don’t know about you, but I certainly do not have that kind of time. So let’s save time and money without coupons. 

This post will outline ten easy ways to save money without clipping coupons. These money-saving ideas will help put money back into your pocket. Check them out below:

Related:

(more…)

by | Comments Off on Best Savings Hacks Without Clipping Coupons
Budgeting, Save Money

Top Money Hacks That Will Save You Thousands

Top 20 Money Hacks You Must Try

Top Money Hacks That Will Save You Thousands #budgeting #personalfinance #moneyideas
Top Money Hacks That Will Save You Thousands

Are you trying to save money? Often times we think saving money is difficult. However, if you want to make life easier here are 20 money hacks that will leave you with more money in your budget so you can rest easy.

You can use your extra money to build up an emergency fund or pay off debt. It’s up to you. These money hacks are life changing!

What would you do with an extra $100 or more in your budget every month? I would personally start saving for my next vacation because I have paid off my debt and now my savings are a bonus.

However, if you have debt you could start a plan to pay it down. This is your time to start a savings plan and if you need money help do your research and get your budget on track.

Do you have an emergency fund? I recommended saving six to nine months of your current total bills in case of job loss or a sudden change in your health such as a car accident. It is unfortunate if this happens to you but it is best to be ready. 

The best part is, it is totally doable with the money hacks below. Stop wasting your money and start living better.

(more…)

by | Comments Off on Top Money Hacks That Will Save You Thousands
Save Money

25 Tips to Save Money as a Stay-At-Home Mom

25 Tips to Save money as a Stay-At-Home Mom

Are you a busy mom looking to save? Try my 25 easy money-saving tips for moms. #savemoney #moneyideas #frugal #family
Easy Money-Saving Tips for Moms

Are you a busy mom that would rather spend more because you don’t have the time or energy to shop around. I’ve been there. Sometimes it is just easier to throw that toy in the cart than to hear you kid throw one more tantrum. However, with a few simple tips to save money as a stay-at-home mom, you will learn to be a frugal stay-at-home mom and keep your money for the things that matter.

If you have cut your family budget to one income, can you afford to be a stay-at-home mom? This is a tough decision. Yet, if you find family money-saving tricks you will learn how to create a family budget and make ends meet but still have fun.

Let’s face it, having kids is expensive. You can literally spend everything you make and your kid will still need something else. Not to mention, kids activities are pricey.

Therefore, it is best to find ways to cut costs so you can continue to stay home with your little ones. Besides, who wants to pay more than they have to?

This post will teach you how to save hundreds per month so you can stay at home with your kids and live on one income.

(more…)

by | 17 Comments