How to Get Rid of Debt and Also Manage Your Credit Score

Are you looking to get out of debt but don’t know where to start? Then you are going to love the How to Get Rid of Debt and Also Manage Your Credit Score guest post by Allan from The Practical Saver.

Let’s face it. All of us want to be debt-free. It feels good to not owe anything to the creditors. It feels good knowing that you can go to sleep at night without thinking that you have to wake the next day figuring out how to pay off your debt.

In addition, many of us want to get rid of debt so we can improve our credit score.

The higher the credit score, the greater the chance we would be approved for low-interest credit.

Believe it or not, there are ways to get rid of debt and also manage your credit score.

If you’re interested and ready to know what these ways are, then, read on!


How to Get Rid of Debt and Manage Your Credit Score #credit #debtfree #debt #moneytips #savemoney
How to Get Rid of Debt and Manage Your Credit Score


Organic Food on a Budget – Find the Cheapest Organic Food


How to eat organic on a budget - cheap organic food #savemoney #organicfood #health #moneytips
How to eat organic on a budget – cheap organic food

I have a specialty grocery store across the street from me. They make wonderful dips, pre-made food like barbeque and salads and –  best of all – fabulous cakes. However, I don’t shop there much on a day-to-day or week to week basis. Why? Because I know I can get my regular groceries and produce much cheaper elsewhere, especially if I want to buy organic.

Moreover, I will surely avoid buying organic food at the specialty store because of the extremely high prices. Although their food is good quality, I know I can find good quality cheap organic food and produce at other stores for much less. 

And who doesn’t want some extra cash in their wallets after a long, hard trip to the grocery store?

There are two main types of grocery shoppers:

  1. The bargain hunter – This is SO me. Why pay more when I know I can save on my grocery bill and keep my hard-earned money. I shop frugally and use coupons and coupon apps. 
  2. The “Cart Tosser” Shopper – This is the shopper that throws everything in the cart without looking at prices. Although this is a fun way to shop, the bill is often a huge surprise.

Regardless of what type of shopping category you fit into, I can teach you some ways to cut your grocery bill and buy organic food on a budget. I can also give you some ideas for quality food and find the cheapest organic food so you don’t waste your money.


Eating Healthy On A Budget- Helpful Ways To Make It Affordable

Eating Healthy On A Budget – Helpful Ways To Make It Affordable

Are you looking to eat healthy on a budget but don’t know where to start? Then you are going to love the Eating Healthy On A Budget – Helpful Ways To Make It Affordable guest post by Nicole from Struggle Today Strength Tomorrow.

Eating healthy on a budget #healthyeating #food #savemoney #budget
Eating healthy on a budget

With food and the cost of living always on the rise, eating healthy can become difficult for those on a smaller budget. I’m going to show some simple ways that you can eat great foods at prices that are great for you!

When people think of healthy foods, they often think it’s too expensive or time-consuming to eat a healthy diet.

Sadly, not every person has the kitchen skills needed to cook from scratch and enjoy a delicious home-cooked meal. So I won’t go too into detail here, and will primarily focus on the saving money aspect.

Things I will cover in this post:

  • 4 ways to save money on fresh produce
  • 3 unique ways to save money on meat
  • How to save money on bread and healthy grains (without baking!)
  • Plus a few extra money-saving pieces of advice!



Keto On a Budget – 35 Delicious Cheap Keto Meals

Keto on a budget

Are you looking to try the keto diet, but are on a budget? Sure, it may sound difficult to eat keto on a budget, but it is possible.

It is reported that 39.6 adult Americans are overweight and the obesity rate has increased in the last ten years (source Jama Network). This staggering number represents just how important it is to eat healthily.

And what better way to eat healthily, then to follow a low-carb diet.  I know several people who have lost weight using the keto diet and improved their overall health including cholesterol and sugar levels. Yet, I am all about saving you money so I found some amazing recipes from some out-of-this-world bloggers that will help you save money and eat well, even though you are dieting.

Keto is known for being a pricier diet. People think, meat and cheese, which can take up a huge portion of your food bill. However, there are WAY more options than just meat and cheese and you can eat well on the keto diet for breakfast, lunch, and dinner without sacrificing taste thanks to the recipes below.

Maybe you are already on the keto diet. Whatever the case, below you will find 35 amazing breakfast ideas, lunch ideas, and dinner ideas that will leave you full and satisfied.

Keto on a budget #keto #mealplan #savemoney
Keto on a budget – Enjoy Cheap keto meals


25 Ways You Waste Money Without Even Realizing It

25 Ways you waste money – learn how to stop

25 Ways You Ways Money and How to Avoid Wasting Money #savemoney #moneytips #frugal
25 Ways You Ways Money and How to Avoid Wasting Money

Do you waste money on frivolous things? It is definitely easy to do with all the constant bombardment of advertising. Let’s face it, we live in a consumer society where spending is the norm. Plus, it is SO easy to waste money if you really aren’t keeping track.

In fact, according to a recent study from Comet, around 80% of people in America are in debt. (source:

However, if you are looking to get out of debt or save, it is best to find ways to cut costs and starting small is key.

I suggest keeping a spending journal. It doesn’t have to be anything fancy, but I challenge you to write everything you buy for the next week. You will be amazed at how many ridiculous things you are wasting money on and how these little purchases can land you in debt.

What do you waste money on? You are sure to find a few ideas in this post.

Try cutting back and putting some of your leftover money into savings, investing, or a retirement fund.

Over time, you will watch your money grow and you will be glad you did. You will not miss these wastes of money!

Click here to try this amazing free tool that analyzes your spending and helps automate savings!


400 Plus Money-Saving Tips to Save Money for Your Future

Are you ready to save some money? Here at I Heart Frugal that is what we do best! With these 400 money saving tips you will be well on your way to a better future.

400 Plus Money-Saving Tips to Save Money. Learn how to save money now and live frugally. Build your savings account. #savemoney #moneytips #personalfinance #frugalliving
400 Plus Money-Saving Tips to Save Money

My passion is saving money and better yet, helping other people like you save money. Why get caught up in debt and have money stress in your life? You shouldn’t have to pay full price for everything you buy and by testing out my frugal ideas, you can put more money back in your pocket today.

According to a 2018 study from Comet 80.9% of baby boomers, 79.9% of Generation X, and 81.5% of millennials are in debt. (source

I don’t want you to be in that statistic.

If you are looking to get out of debt or save for an emergency fund so that one small accident doesn’t send you into the deep end of debt, then this post should help.

I recommend making small changes and picking ideas that will work for you. One person can stop buying $5 lattes and another can stop fast food runs. The point is to find little things you can cut out and use the extra money to save or pay off debt.

Learn how to use a spending journal here and start tracking your spending habits. Then you will know exactly how much money you are spending each month and it will be easier to see how much you can save.

It is also very wise to have a budget so you are not spending more money than you are bringing in each month. You can learn how to budget better here.

Then use the money-saving ideas below to help you reach your financial goals.