Today’s money motivation post comes to you from Warren Buffet, one of the top investors and money gurus when it comes to building wealth. “Price is what you pay. Value is what you get” is a profound statement in the area of frugal living. You see, many frugal people get a bad rap as being cheap. However, many us of us frugal mammas (and dads), on the contrary, are smart with our money and way of living.
Recently I was asked, “I need money help. How can I save money when I can’t pay my bill?” This was a profound question because I know the struggle of having very little funding and trying to scrimp and save to get by, let alone stay out of debt.
We often forget, there are millions of people in out there struggling to stay afloat with their day-to-day bills. Yes, these are hard-working people who just can’t seem to get their ledgers back in the black.
Reasons You May Need Money Help:
Some have enough money but spend themselves into a whirlwind of debt.
Yet, others do not make enough money and can’t make ends meet.
In either situation, life can become stressful, worrisome, and it is difficult to live your best life because bills are always looming in the back of your mind like an unstable tree ready to crash.
My mission at “I Heart Frugal” is to offer money help so people can live and amazing debt-free life. I teach about budgeting and living within your means.
Yet to some this goal may seem impossible when faced with mounting bills. As the bills pile high, catching up seems like it will never happen.
However, I am here to tell you, there is money help and you can do something about your financial situation.
There are so many others out there that are sharing your same money problems, but the good news is, there IS something you can do about it.
So let’s get real about your finances, admit there is a problem, and focus on the solution: A good budget and money-saving action plan. After you have created your action plan, take some steps to avoid this situation in the future.
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. (haha)
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 checkout 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.
How many of you need to save money on your grocery bill? Yet, it is not always easy to search the Internet and find information. There is so much out there and searching is time-consuming and overwhelming. Here at I Heart Frugal, I am always on the lookout for better ways to help you save money and keep your budget on track. Frugal living means living within your means and leaving the “wasted money” category out of your budget. Saving on your grocery bill is one of the easiest ways to cut back.
For the next few weeks on the I Heart Frugal blog, I will be providing you with some amazing reading! I will feature “Saving Money” round-ups with the help of some fellow personal finance/frugal living bloggers. This week, these ladies have taken the guess-work out saving on your grocery bill. Check out their posts and learn how to save BIG TIME!
Below each picture, you will find the link to the blog post and the name of the blog. Go ahead and check out these amazing posts! Your budget will thank you!