Use My Sinking Fund Method to Build Savings

My Sinking Fund Method – My Secret to Saving for Everything

Use my sinking fund method to get out of debt #personalfinance #savemoney #budgeting
Use my sinking fund method to get out of debt.

Have you heard of sinking funds? Sinking funds could be the number one game-changer to your personal finances. This little money hack will provide you with a clear way to save money and actually trick yourself into saving more. Learn how to use my sinking fund method to change your finances today.

 

Sinking funds help you set savings goals for specific purchases and can be turned into automatic savings so you don’t have to think about it.

 

Are you in debt? Around 80% of Americans are currently in debt according to a 2018 study by Comet. It is no wonder saving money is difficult and most shy away from it.

 

However, you can use my sinking fund method to start saving for just about anything including debt repayment.

 

The sooner you are debt-free the sooner you can start living and forget money stress. So why not start with a plan and make your plan automatic.

 

In this post, you will learn the who, what, when, where, and why of sinking funds.  

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Best Savings Hacks Without Clipping Coupons

Best Ways to Coupon Without Clipping

Clever Ways to Save Without Clipping Coupons #moneytips #couponing #savemoney
Clever Ways to Save Without Clipping Coupons

Do you like saving money? Maybe you are new to whole the “couponing thing” and are starting to realize clipping coupons and finding store match ups is time-consuming. 

Not to mention, it is hard staying organized. You need a place to store your coupons, organize them by product categories and keep track of expiration dates. This is a major time-suck and time is money.

Plus, it isn’t worth it if you are only saving $1-$2 per shopping trip. And unless you are really into extreme couponing and have hours to spend each day, then you should consider other ways to save money on groceries and everyday items.

In fact, I just watched an episode of Extreme Couponing and the woman spent 60 hours per week on couponing. I don’t know about you, but I certainly do not have that kind of time. So let’s save time and money without coupons. 

This post will outline ten easy ways to save money without clipping coupons. These money-saving ideas will help put money back into your pocket. Check them out below:

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Top Money Hacks That Will Save You Thousands

Top 20 Money Hacks You Must Try

Top Money Hacks That Will Save You Thousands #budgeting #personalfinance #moneyideas
Top Money Hacks That Will Save You Thousands

Are you trying to save money? Often times we think saving money is difficult. However, if you want to make life easier here are 20 money hacks that will leave you with more money in your budget so you can rest easy.

You can use your extra money to build up an emergency fund or pay off debt. It’s up to you. These money hacks are life changing!

What would you do with an extra $100 or more in your budget every month? I would personally start saving for my next vacation because I have paid off my debt and now my savings are a bonus.

However, if you have debt you could start a plan to pay it down. This is your time to start a savings plan and if you need money help do your research and get your budget on track.

Do you have an emergency fund? I recommended saving six to nine months of your current total bills in case of job loss or a sudden change in your health such as a car accident. It is unfortunate if this happens to you but it is best to be ready. 

The best part is, it is totally doable with the money hacks below. Stop wasting your money and start living better.

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25 Tips to Save Money as a Stay-At-Home Mom

25 Tips to Save money as a Stay-At-Home Mom

Are you a busy mom looking to save? Try my 25 easy money-saving tips for moms. #savemoney #moneyideas #frugal #family
Easy Money-Saving Tips for Moms

Are you a busy mom that would rather spend more because you don’t have the time or energy to shop around. I’ve been there. Sometimes it is just easier to throw that toy in the cart than to hear you kid throw one more tantrum. However, with a few simple tips to save money as a stay-at-home mom, you will learn to be a frugal stay-at-home mom and keep your money for the things that matter.

If you have cut your family budget to one income, can you afford to be a stay-at-home mom? This is a tough decision. Yet, if you find family money-saving tricks you will learn how to create a family budget and make ends meet but still have fun.

Let’s face it, having kids is expensive. You can literally spend everything you make and your kid will still need something else. Not to mention, kids activities are pricey.

Therefore, it is best to find ways to cut costs so you can continue to stay home with your little ones. Besides, who wants to pay more than they have to?

This post will teach you how to save hundreds per month so you can stay at home with your kids and live on one income.

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Stay-at-Home Mom Jobs So You Can Stay With Your Kids

Stay-at-Home Mom Jobs

Stay-At-Home Mom Jobs so you can stay with your kids #momjobs #stayathomemom #sidehustle #makemoney #workfromhome
Stay-At-Home Mom Jobs

Are you a stay-at-home mom that would like to earn some money? Here is a list of 21 stay-at-home mom jobs to get you started on your journey. Most of these stay-at-home jobs require little training and can be done from the comfort of your own home – unless you chose dog walking! Many do not realize there are legit online jobs for stay-at-home moms and you can work from home in your pajamas while taking care of your kids. 

Maybe it was a hard decision to decide to leave your job and stay home. You may need to supplement your husband’s income to be able to afford to stay home.

Maybe you have enough money but you left a well-paying job because you wanted to be with your kids and now you would like to have money in your pocket instead of asking your husband. (This is my current situation).

There are stay at home jobs out there for you mamas! 

Many of these stay-at-home mom jobs are totally doable with kids at home and don’t take up too much extra time. They may not pay as much as the job you left, but I always feel some money is better than nothing.

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52-Week Money Challenge Using Pennies with Free Printable

52 Week Money Challenge #savemoney #moneychallenge #moneytips #personalfinance
52 Week Money Challenge

If you don’t think pennies are worth anything, then think again. My son’s school just had a penny war challenge for a fundraiser and they were able to raise over $1000 by collecting pennies from elementary-aged kids. Furthermore, in this 52-Week Money Challenge using pennies, you can come close to that amount by saving pennies yourself. In fact, at the end of the 52-week money challenge, you will total out at $667.95. – Not bad for saving your spare change.

This money challenge is unique in that you can save your spare change and end your year with a nice chunk of change. However, toward the end of the challenge when you start adding $20 to your fund, you may want to switch to dollars or start cutting out some of the “want” areas of your budget to help you stick with it.

If you have heard the phrase “A penny saved is a penny earned” then you know money is money. No matter how small it is worth something. The truth is pennies can add up over time! Not to mention, the bank agrees with me and will accept penny deposits. However, most banks do not accept loose change unless you roll the coins yourself. But hey, if you start saving your pennies now, by the end of the year you will have over $600 in your savings account.

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