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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.


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.


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.  


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.


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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