personal finance

Over 100 Personal Finance Tips to Kick-start Savings and Get Out of Debt

Personal finance can seem scary, but it doesn’t have to be. Dare I say, you could make these personal finance tips part of your life and create good money habits that will set you up for a life you have always dreamed of?

Seriously, it is possible. There is no need to continue living in debt. You can learn to make your money work for you.

100 + Personal Fiance Tips to Help You Save #personalfinance #savemoney #moneytips
100 + Personal Fiance Tips to Help You Save

Learn to be intentional with your money and make sure all of your “needs” are accounted for in your budget. Then start adding in some of those important “wants” because you have the money to pay for them.

The posts below provide over 100 personal finance tips that will kick-start your savings, help you live intentionally with your money, and learn how to “personal finance” better.

What are you waiting for? Live the financial life you have always dreamed of.

(more…)

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.

(more…)

5 Questions to Ask Before You Do Your Own Taxes

Should you do your own taxes?

5 Questions to ask before doing your own taxes
Thinking of doing your own taxes? Ask yourself these five questions first.

Are you thinking about doing your own taxes this year to save money? There are some things you should think about first to make sure this is the best option for you!

Let me start this post by saying, I am not a CPA nor do I study or work on taxes for a living, but if you are thinking of doing your own taxes this year, I can give you a heads up about what you should consider.

I have done my own taxes most of my adult life, with the help of my husband since I have been married (for seven years); however, one year I did succumb to tax commercials and was very disappointed with the result.

The commercials entice me by telling me they could get more money; however, if your taxes are pretty straightforward – like mine were that year – you will get the same amount back, no matter who does your taxes. From personal experience, I was disappointed when I went in because I noticed they were using turbo tax or a similar tax software program, that I could have done on my own for WAY less money.

Here at I Heart Frugal, I am all about saving you money. So if you can save this year by doing your own taxes, why not try.

(more…)

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!

(more…)

How to Score Amazing Frugal Workout Gear

Workout gear can be expensive. Find out wear to shop for great deals on your workout clothing.
Find out how to shop for frugal workout gear.

Where to Buy Cute but Frugal Workout Gear

A friend of mine is looking to go to the Barr after having her baby… No, not the bar you are thinking of! Barr class to workout… Now you see where I’m going with this. Knowing I’m into frugal fashion and running, she texted me to find out where I shop for my frugal workout gear! I immediately gave her a list of several places that have always worked out (pun intended) for me!

Most women want to look cute while working out but if you are on a budget, you aren’t going to buy Lulu Lemon, Athleta, and Victoria’s Secret workout gear. Yet, there are ways to look pretty while you are sweatin’ to the oldies. (Sorry, bad old-school workout joke!) You just have to know where to look.

Frugal workout gear is easy to come by if you use my shopping tips listed below. The best part is the list offers good quality workout gear, so you won’t be literally running back to the store to buy more. So keep up your shopping pace as you read through my list and get ready to look cute while getting into shape this year!

This post contains affiliate links. If you click a link and make a purchase, I will receive a small commission at no cost to you. 

(more…)