Category: Budgeting

Learn how to budget and take control of your finances.

The Ultimate Fall Slow Cooker Recipe Roundup – 20 Seriously Good Recipes

Fall Slow Cooker Roundup

Fall Slow Cooker Roundup

Fall is here my friends! I love the cool, crisp air, sweatshirts in the morning, and watching football with my hubby (okay to be honest, he likes that more than me!) One thing I truly miss all summer is my favorite fall cooking method – my crock-pot (check out my favorite one here)! I gave this baby a rest during the summer months, especially when our air conditioner broke – didn’t want to create any extra heat!  But now that the weather is cooler, bring on the warmth and delicious smells from the easiest way to cook ever.

I will be lighting my pumpkin latte candle, pulling my hoodie over my ears, and running my crock-pot meals all day (and you should too)! Since I love my crock-pot so much I decided to help all my readers by collecting a bunch of yummy fall crock-pot recipes. These recipes are Ahhhh-mazing! You will walk out of your house in the morning with dinner set and walk back in with the smell of any of these choice recipes filling your house and your tummy!

No more worries about dinner, mama! I’ve got you covered!

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No Money to Pay My Bills, Help!

I Don't Have Money to Pay My Bills

Recently I was asked, “How can I save when I can’t pay my bills.” This was a profound question because I know the struggle of having very little funding and trying to scrimp and save to get by. We often forget, there are millions of people in our country struggling to stay afloat with their day-to-day bills. Yes, these are hard-working people who just can’t seem to get their ledgers in the black.

Some have enough money but spend themselves into a whirlwind of debt. Yet, others do not make enough money and can’t make ends meet. In either situation, life can become stressful, worrisome, and it is difficult to live your best life because bills are always looming in the back of your mind like an unstable tree trunk ready to crash.

My mission at “I Heart Frugal” is to help people live and amazing debt-free life through budgeting and living within their means. This goal may seem impossible for some when faced with mounting bills. As the bills pile high, catching up seems near to impossible. However, I am here to tell you, there is help and you can do something about your financial situation.

There are so many others out there that are sharing your same money problems, but the good news is, there IS something you can do about it. So let’s get real about your finances, admit there is a problem, and focus on the solution: A good budget and money-saving action plan. After you have created your action plan, take some steps to avoid this situation in the future.

This post contains affiliate links. This means if you click a link and make a purchase I I’ll receive a small commission at no cost to you, so thank you!

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Best Money Quotes to Build Your Wealth Series – 1

Best Money Quotes Series – #1

Please enjoy my new series: Money quotes! These inspirational quotes will help kick-start your financial goals into overdrive and motivate you to save! My first quote in this series is by financial guru Suze Orman, whom I have followed for years.


Suze Orman - Money quote

For those of you that don’t know Suze Orman, she is a financial guru, New York Times best seller, motivational speaker, magazine colunmist and Emmy award winning television host. She is known for her “Can I afford it” series, where she allows her viewers to call in and learn if they should spend their money on a wanted item or trip. Nonetheless, she teaches people to get their affairs in order including budgeting, investing, retirement, life-insurance, and living wills.

My husband and I used to watch her show together on Saturday nights before we had kids (I know, what a fun date!). Her advice was astounding and really helped us to have some great money conversations and set financial goals as a couple.

Suggested Reading: No Money to Pay My Bills, Help!

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Good Old Dave Ramsey! Financial Peace is in Your Reach

Dave Ramsey’s Baby Steps

Baby Steps & the Debt Snowball

 

Who is Dave Ramsey?

Dave Ramsey is a financial guru that has been through it all. He was a millionaire at age 26 but lost it all, only to turn it around and come back stronger at a net worth of around $55 million.  Dave made it his mission to help others learn from his mistakes and to leave debt in the past.

Dave often uses biblical references to teach people about money. Moreover, he is known to quote Proverbs 22:7 stating, “The rich rule over the poor, and the borrower is slave to the lender.”  After losing it all Dave has quickly built up his wealth, maintained his marriage, and now helps people learn the value of a dollar. Nonetheless, he teaches people how to pay down debt with his debt snowball methods.

Not only does Dave have New York Times Best selling books he also created a class called “Financial Peace University” where he teaches live or video version of his baby steps method for becoming debt free and building wealth.

Suggested Reading: No Money to Pay My Bills, Help!

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Learn How to Create an Amazing Budget Roundup

Budget Roundup


Budget roundup

How badly do you need a budget? Budgeting is hard work and it is best to gain all the knowledge and information you can before attempting to create your own. In this way, you will create a budget that will work well for you and your family.  Yet, scavenging around the pool of information we call the Internet is especially time-consuming and it is hard to weed out the good seeds from the bad. So I have done the work for you!

This week on I Heart Frugal, I have compiled a list of budget posts to help you get started on your budgeting journey. My fellow personal finance bloggers have a wealth of information to share that will get you back on track to an amazing debt free life.

Each picture will feature a link to the post and the blog title below. Check out my post on budgeting here and use these other posts to really dive into starting your budget and making your money work for you.

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Are You Drowning in Debt? Learn How to Come up for Air

Drowning in Debt


Drowning in Debt

So when I was a kid, I used to swim every day. I would swim for fun! I would swim for exercise and because I grew up by a lake, I thought this made me an excellent swimmer. Daily walks to the lake entailed swimming laps and laying out in the sun. This was a way of life when you grew up a few blocks from the water. Winter was your enemy and summer your best friend.

Yet, that day in the five-foot hotel pool told a story of a different swimmer. Not the story of a swimmer that could swim laps around Michael Phelps, but of a vulnerable kid that could not get a grip. That was the day my brother started drowning. Yet, being the great swimmer that I am, I knew I could save him.

I saw it so differently in my head. I envisioned diving in, grabbing him, and pulling him to the edge. It was all so clear and I would be a hero!

However, I didn’t take into account, when the water is over your head and the other person is panicking – by the way, I’m not a life guard – saving them is near to impossible.

As I swam up to my brother bobbing up and down grabbing for any inch of air to fill his water-logged lungs, he grabbed me and started taking me down with him. I – the great swimmer from Michigan – started to panic myself.

Suggested Reading: No Money to Pay My Bills, Help!

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