Budgeting Archives - I Heart Frugal


Learn how to budget and take control of your finances and budget better.

Understanding Credit for Beginners: 11 Pro Tips

Understanding credit for beginners: person holding credit card using laptop
Understanding credit for beginners: a person holding a credit card using a laptop

Understanding Credit for Beginners

Do you understand how credit works? This post will help you figure out how to understand your credit score and begin building credit for your future.

Credit is important because it is used to determine whether lenders will work with you. Yet, often credit is something most of us don’t want to be bothered with until it comes time to buy a new house or car. If you are in need of a loan at some point in your life, it is best to keep a close eye on your credit. You can use free sites such as Credit Karma to help you keep track of your credit.

Did you know you can get a free credit report once a year? By ordering a free annual credit report you can get an actual breakdown of your credit score and FICO score that is accurate. Why is this important? As mentioned, this score is used to determine if Lenders will work with you or not. In short, can you get a loan?


Tips for Setting a Realistic Food Budget



Tips for Setting a Realistic Food Budget - woman walking with grocery bags
Tips for Setting a Realistic Food Budget – a woman walking with grocery bags

Tips for Setting a Realistic Food Budget

Are you trying to figure out a realistic food budget for you and your family? With food prices soaring like a jet plane, sticking to a food budget may seem like a tricky task. Yet, if you make it a priority by shopping around for sales and stocking up on items, you can stick to a food budget and keep more money in your pocket.

Starting this task, keep in mind how many people you are feeding and maintain a balance between saving money and ensuring your family is getting enough food and proper nutrition.

Nonetheless, here are some fantastic tips to help you create a realistic food budget and stick to it.


How Many Work Hours are in a Year?

Are you ready to work this year? Are you wanting to earn more money? Then you could be wondering, “How many work hours are in a year?”

When pondering these questions, some simple math calculations can be performed to determine how many work hours are in a standard year.

Of course, it would be nice to win the lottery and not have to worry about work anymore, but if you are one of the hard-working Americans out there, looking to find out how much you make per hour keep reading.

It will help to first determine how many hours are in a year?

To find the answer to your question, keep reading.


How many work hours are in a year? Person typing on keyboard; white desk
How many work hours are in a year? Person typing on a keyboard; white desk


Is $40,000 a Good Salary? Plus Tips to Live on $40,000

Is $40,000 a Good Salary? Pink piggy bank with $100 bills
Is $40,000 a Good Salary? Pink piggy bank with $100 bills

Often people wonder if what they are making is enough. You may be asking yourself, is $40,000 a good salary? And the answer really depends.

$40,000 per year salary is less than the average salary in the United States, Nonetheless, depending on the city you live in and your lifestyle, $40,000 may work for you. Furthermore, if you live in a low-cost area and don’t have many bills, $40,000 is a good salary. However, if you are well-established in your field and have a family to support, $40,000 won’t’ be enough.

If you are just starting out, $40,000 is definitely a livable wage, considering you will probably get raises along the way. If you factor in how many work hours are in a year, you will see you are making about $19 to $20 per hour, considering you are working a 40 hour work week.


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