Are you looking to save money? It is true, many Americans are living paycheck to paycheck and this makes it difficult to save.
According to deb.org consumer debt was approaching $14-trillion after the second quarter of 2019.
However, if you are in debt or trying to save, you can change your personal financial situation by living frugally.
Unfortunately, many have a negative association with the word frugal. Often people think of frugal as being cheap and confining. Yet, being frugal can literally change your life.
If you are able to cut back – on some things – you can build wealth and as time passes you will live your dream life. This all can be possible by learning to cut back now. By living below your means, you can build savings and have a cushion so one emergency doesn’t send you over the edge.
Did you know one of the qualities of millionaires is being frugal? After Thomas J Stanley, Ph.D. and Sarah Stanley Fallow, Ph.D. interviewed over 600 millionaires for the book “The Millionaire Next Door“, she learned that one of the traits of many millionaires is frugality. In fact, many would not be recognized as millionaires in everyday life.
Yes, if you can cut back on spending now, you will set yourself up for a better future and perhaps become one of these said millionaires.
Although you may be in the habit of spending freely without concern if you are in debt and do not have the money to support this way of living than frugal living is definitely something you want to consider.
For the next four weeks, I will be showcasing some of the frugal recipes I make at home. Let me preface by saying, I am not a master chef, but I am a master at saving money. And one of my favorite ways to save money is to meal plan and save on food.
Yes, your food bill does not have to take up your entire paycheck. You can make yummy recipes that will leave your family feeling full and you will save money on evening snacks if you are cooking these mouth-watering, easy meals.
The best part about this easy baked ziti recipe is there is always leftovers so I usually get two meals out of this recipe, which costs around $7 total to make so that is $3.50 per meal. -Not $3.50 per serving, $3.50 per meal! You get my excitement here, right?
Just a quick post today with a few free printable coloring sheets your little ones will love.
Halloween is upon us and it is that time of year to dress up and have fun!
And making cute arts and crafts you can display around the house is all part of the holiday. However, we don’t all have a bunch of time to put stuff like this together, so why not print out a cute Halloween coloring page and call it a day! Let your little one color while you finish getting their last-minute costume ready.
My kids love to color and I love using coloring as a means to teach them about other things. The first coloring page is for the little ones and can be used to teach shapes. You can teach oval, rectangle and triangle with this cute picture.
You can give them directions if you wish. You can say color the rectangle green, color the oval orange, and color the triangles black. This will help them with shapes and colors. and they will find it super fun!
Do you find it hard to stay on budget? Many find budgeting too confining and often slip up and spend too much. If you overspend and find it hard to stick to your budget, you are going to love this guest post by Kate Underwood from Club Thrifty. Check it out here:
We all know we should be using a budget, right? After all, the benefits of effective budgeting are obvious. A budget can help you get out of debt, ensure you have money for all your needs, and motivate you to save for future goals. Heck, it might even give you the freedom to spend more lavishly on things you care about!
Unfortunately, too many of us struggle with budgeting and end up thinking it’s hopeless. We give up when we hit a few bumps in the road.
One thing to remember is that a budget is a powerful tool, but getting it right can take some time. Commit to it for the long haul, knowing you can fix things that don’t work for you.
If you’re struggling with getting your budget off the ground, we’ve got a few simple tricks you can try right now to help keep your budgeting journey on track.
Are you in a financial mess? Dealing with a financial crisis is difficult and it is important to take steps to get you back on your feet. If you are in this situation, you are going to love this guest post by Valentina Wilson from Best Debt Consolidation. Check it out here:
Are you going through a financial setback?
You are probably getting worried thinking about your situation! You might be undergoing stress and a loss of confidence too.
But trust me, your problems are not going to get better by hanging on to anxiety! Rather, you need to chalk out some effective way out to recover from your financial crisis.
A financial crisis can be the result of different factors like sudden job loss, incessantly high medical bills, bankruptcy, etc.
Whatever the reason be, a financial disaster can take a toll on both your physical and mental well-being!
That’s why you have to stop worrying now! Here I have listed some of the best possible ways for you to recover from your financial crisis.
Do you LOVE budgeting? Most people don’t. Sometimes budgeting is like trying to find a parking spot at Costco on a Saturday morning! It’s downright hard!
If you listed out the top things you want to do this weekend, I bet budgeting probably didn’t even make your top twenty. Yet, creating a budget can be a vital part of your wellbeing emotionally and physically.
But did you know, you can learn how to budget and still have what you want in life?
Knowing you have the money to cover your expenses keeps your life stress-free. And I don’t know about you, but I like to eliminate stress from my life.
Nonetheless, creating a budget doesn’t mean you can’t have what you want. In fact it if you use my methods, you will actually have more of what you want and stop feeling deprived.
Your new financial life will be like a three-year-old opening up his first toy on Christmas. Like a child, you will wake up each day with excitement and jubilation because you are living the life you have always wanted and everything you do with YOUR money is intentional.