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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Do You Want to Save on Your Grocery Bill? Here are 11 Amazing Ways!

Save on Your Grocery Bill

Grocery Savings Roundup

How many of you need to save money on your grocery bill? Yet, it is not always easy to search the Internet and find information. There is so much out there and searching is time-consuming and overwhelming.  Here at I Heart Frugal, I am always on the lookout for better ways to help you save money and keep your budget on track. Frugal living means living within your means and leaving the “wasted money” category out of your budget.  Saving on your grocery bill is one of the easiest ways to cut back.

For the next few weeks on the I Heart Frugal blog, I will be providing you with some amazing reading!  I will feature “Saving Money” round-ups with the help of some fellow personal finance/frugal living bloggers. This week, these ladies have taken the guess-work out saving on your grocery bill. Check out their posts and learn how to save BIG TIME!

Below each picture, you will find the link to the blog post and the name of the blog. Go ahead and check out these amazing posts! Your budget will thank you!

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Learn How to Be Happy Getting Rid of Stuff

What I Learned after selling 65 Items out of my closet and getting rid of “stuff”…

Learn how to be happier by getting rid of stuff

Have you ever considered what clutter does to your brain? Research shows clutter has a negative effect and more so on women. It makes us ladies feel unfocused and out of control when clutter starts to take over. It is difficult to feel content in an ever so cluttered environment.

Yet, many of us do not want to let go of our accumulated messes because our stuff holds value and sentiment. According to the Journal of Consumer Psychology, we see our stuff as part of us which explains why it can be so hard to clean out those baby toys or clothes you once looked so fab in.

A study from the January Issue of The Journal of Neuroscience from The Princeton Neuroscience Institute states, “Multiple stimuli present in the visual field at the same time compete for neural representation by mutually suppressing their evoked activity throughout visual cortex, providing a neural correlate for the limited processing capacity of the visual system.” In everyday terms, the more stuff and clutter you have in your home, the more stressed out and less productive you will be. Your clutter will always be competing for your attention, and that precious time could be so well spent elsewhere (like with your kids), which leads me to why I am writing this post.

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How to Use a Spending Journal to Conquer Debt

What is a spending journal?

How to use a spending journal to conquer debt

Have you ever considered using a spending journal? You may be thinking, “Why would I want to add one more thing to my “To Do” list?”  Yet, tracking your spending could be the one aspect of your budget you are missing to put the “debt free” back into your life. Nonetheless, journals come to mind when writing about feelings and yes, they are more commonly used for this type of writing, yet isn’t your money journey just as important as your emotional journey? These two aspects of life are intertwined immensely.

Writing down what you spend will give you a clear picture of where your money is going and help you solve your debt puzzle. I suggest making this the first step to beginning your budget and obtaining financial freedom.

Suggested Reading: Why You Can’t Get Out of Debt

Spending Journal: A written journal of all the money you have spent that week or month. I recommend tracking your spending for at least a week, but a month would be better and will give you a clear picture of how you spend. Moreover, once you have this in place you can begin to trim the fat off of your budget and use the extra money to pay down debt or save for an emergency fund or retirement.

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

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5 Boderline Genius House Cleaning Hacks to Save You Time and Money

5 House Cleaning Hacks to Save You Time and Money

Today is an exciting day! I have my first guest post on the I Heart Frugal blog. Sury Jane from onlycanistervacuum.com is here to tell us about her amazing cleaning hacks. In Sury’s post, you will find ways to save time and money while maintaining a clean house. Her tips are so easy to use, you will wonder why you didn’t start sooner. Please be sure to check out Sury’s blog, onlycanistervacuum.com and social media links listed below the article. She really knows her stuff when it comes to keeping a house clean!

5 Borderline Genius House Cleaning Hacks to Save You Time and Money!

Spring has sprung and there’s no better time to get all the dust and germs that accumulated over the winter out of your house. Though it may seem far off, the holiday gift-giving season is not that far away. Instead of spending loads of money on Spring cleaning supplies, here are 5 frugal house cleaning tips to save you time and money.

Suggested Reading: How to Do your House in 25 Minutes without going Crazy

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How to Get Out of Debt: 11 Actionable Steps to Live Better

Learn How to Get Out of Debt in 11 Steps

Debt payoff

Henry David Thoreau once said, “Almost any man knows how to earn money, but one in a million knows how to spend it.” Translation: Most people have not mastered the simple art of frugal living – living within your means. It is common place to use credit cards and buy on a whim.  Moreover, debt continues to grow and as your paycheck fizzles away, plastic replaces reality. Spending more than you make becomes a habit and your debt becomes a way of life.

Are you in debt? You are not alone. Over 50% of Americans are in debt right along with you. The average American family carries a credit card debt of $8,377 according to CNBC.com.

One solution is to toss up your bills and hope you win the lottery, but your odds are super low.  So now is the time to solve your debt dilemma.

Reasons to Pay off Debt:

  • piece of mind
  • ability to save for an emergency fund
  • less stress
  • no family fights about money
  • own your house and car outright
  • less bills
  • pay less interest


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

Suggested Reading: How to Stop Spending Like You are Rich (When You are Not!)

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