Spend Less. Live More
Do you have financial discipline?
You may be asking, “What is financial discipline?” Regardless of whether you have heard this term before, this post will help you understand what it takes to be disciplined with money and help you on your path to a debt-free life.
I like to consider myself somewhat disciplined. Mostly with goals -but not so much with cleaning. haha
With St. Patrick’s Day right around the corner, it is always fun to come up with some easy Leprechaun crafts for kids to make. Each holiday is special in it’s own sense and St. Patrick’s Day is no exception.
We enjoy making St. Patrick’s Day food, decorating our house, and attending our local parade.
It is always a fun tradition to make craft projects with my kids for each holiday and we enjoy displaying their craft projects around the house as decorations.
This year we are going to try out some of the ideas below by making Leprechaun Crafts for kids.
Do you need some heart templates for Valentine’s day or a holiday art project? In this post, you will find small, medium, and large free printable heart templates as well as some cute free heart coloring sheets.
If you love free, you have come to the right place. Here at I Heart Frugal, we love saving you money and after most of us spent WAY too much during December for the Holidays, it is best to save money when it comes to Valentine’s Day. Therefore, you can use these free heart printables to help you get started and spend less money this year.
Do you have a low credit score? In fact, you may not even know your credit score number, but chances are if you haven’t been paying your bills on time your credit has been affected.
Your credit score is important, yet many ignore this number and don’t check their credit score or take advantage of their annual free credit report. Like most things in life, it is best to be knowledgable about your credit history and use this information to help raise your credit score if needed.
Therefore, it is essential to find out your credit score and improve your number. You can raise your credit score by 200 points with some simple tips and a little time.
If you follow me you know I LOVE to save money! However, there are some things that are worth spending money on and I don’t mind spending money on things that are important to me and my family.
Sure we all love our stuff, but buying a bunch of knick-knacks that take up space in my home and life doesn’t appeal to me much. I like owning things I will actually use, but owning a bunch of stuff just to own it, causes clutter and confusion.
And if you are wondering what I will spend money on, if you guessed experiences, you are right!
So when my husband and I budget our money we always plan for a few vacations per year. There are also a few other things we must have in our lives I will discuss in the post.
Keep in mind, this is our “fun money.” We continue to pay down our mortgage, save for retirement/emergency fund, save for our children’s college fund, invest our money, and we have paid off our cars. So we are using Warren Buffet’s advice and spending our money only after we have saved.
Then with what is left over, we budget travel into our yearly goals and we love showing our kids the world.
In fact, we rarely go on a trip without our littles. We want them to experience life with us and we both know life is short and you have to live.
Yes, it is important to pay down debt and learn to budget, but after that is taken care of, it is time to start enjoying life.
