Are you a spender or a saver? Many people spend money in different ways. Some are cheap and only spend a little, yet others (over half of Americans) spend freely with little concern about debt.
I would like to think I’m somewhere in the middle. I don’t carry credit card debt and have over six months of an emergency fund, but I do believe in the old Greek saying that translates to everything in moderation, even saving.
Obviously, you can’t save everything you make, or you wouldn’t be able to pay your bills. Yet, you will find once you start training yourself to save, you will learn to like it and keep your money by creating separate funds for everything. It will feel great when Christmas rolls around and you have money for gifts this year!
I’ve blogged for nine months and it is time to check in on my goals and blogging progress! So far it has been a great journey. I have learned so much along the way! When I started, I had no idea what SEO meant, let alone what a widget is! (For those non-bloggers it means search engine optimization and a widget is a tool to add different aspects to your blog without having to know coding). Whew! I’m glad to be done with those beginning stages. Now I am ready to focus on blog improvement and thank you for joining me on this ride!
When I started, I had no idea what SEO meant, let alone what a widget is! (For those non-bloggers it means search engine optimization and a widget is a tool to add different aspects to your blog without having to know coding). Whew! I’m glad to be done with those beginning stages. Now I am ready to focus on blog improvement and thank you for joining me on this ride!
Not that I consider myself an expert, but I am gaining knowledge and my goals for this year are looking good. As I reflect on the past nine months, I will take a look at my goals which include social media, page views, and posts.
How to do your housework in 25 minutes without going crazy! My cleaning tips!
How many of you LOVE housework? I’m picturing all of you with your hands down now!
I’m right there with you? After having my second baby, I felt like my house was chronically messy and although I truly believe everyone that says we should leave the house messy and play with our children, I was having a hard time coping with the overwhelm of messiness! I realized I needed a plan to keep a clean house and it needed to be something I would be able to keep up with.
The Science Behind Keeping your House Clean
Woman’s brains perceive clutter differently than men. 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. As a result, it is more difficult to focus because clutter is competing for the brain’s attention. This means as a mom, you can never truly relax. Before I read the research, I knew I felt this way often. Now I know exactly why.
So even though I spend a lot of time with my kids, I’ll opt for a clean house too which will help all parties involved because we will save my sanity! You can follow suit with this fool-proof method! Also, the best part is that will only take 25 minutes in the morning and 20 minutes in the evening. That is just 45 minutes a day, broken up into small accomplishments.
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.
When I was in college, I was on an extreme budget. I was taking out student loans and worked forty hours a week at a daycare making $5.15 an hour to make ends meet. I was especially excited when I received my first – drumroll please – $.05 raise. Making an extra $.40 a day really helped out with the bills. (ha ha)
After one year I left the dorms and the “meal plan” I had grown accustomed to was left back in Trout Hall. For the first time in my life, I had to start buying groceries on my own. The budget for my weekly groceries was a little less than $20 a week and that included everything. How did I make it work? At the time, I shopped at Wal-Mart and bought the same thing every week. Occasionally, my cousin would go shopping with me. I knew what the exact total would be when we arrived at the checkout and my cousin found this hilarious.
This was my first experience with meal planning. I wasn’t as organized as I am now, but I pretty much ate the same thing from week to week and stuck to a budget.
The college years were rough but I am now an adult and have experienced what it is like to make a decent salary. Nonetheless, I continued to use my frugal ways to budget for groceries and other areas of my life. However, since I made more my budget was higher than $20 a week for groceries. Funny enough, I still had a good idea of what my grocery bill would be when I passed through the check out because I allocated myself a certain amount of money for food and household items and used meal planning.
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.