Saving

From Grateful to Greatness- May 15 – Health

 

From Grateful to Greatness - Learn how to choose gratitude instead of spending
From Grateful to Greatness

If you missed the first week in the “From Grateful to Greatness Series” check it out here.

From Grateful to Greatness: Second Week – May 15: HEALTH

Have you ever been a patient in a hospital?  I have and it is not ideal. I mean don’t get me wrong, the nurses were great (and I have many nurses in my family, so thank you for all you do nurses). Also being served food three times a day and having no chores almost sounds like a vacation, right? Yet, if you have ever stayed in the hospital, you know how the rest of your life is at a standstill.

I was 13-years-old and decided to zoom down a difficult hill while downhill skiing. If you live in Northern Michigan, you learn how to downhill ski because that is what people do when it is negative five below!  Although I was nervous, I glided down the hill with ease until BUMP! I hit a mogul. BAM! I lost my balance… Noooooo…was that my ribs hitting the ground? FLIP, DOUBLE FLIP… Yep, that was me flipping, not skiing, down the hill. OUCH!

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10 Ways To Stop Spending Like You Are Rich

 

Stop spending like you are rich!

    Stop spending like you are rich!

How To Stop Spending Like You Are Rich

Sure it would be fun to spend like a millionaire! We could buy a new Birkin bag (or for guys the latest Rolex), however, the truth is many millionaires are very frugal.  This is how they became millionaires in the first place. They know the value of a dollar.

Nonetheless, it is easy to become obsessed with the latest and greatest style, toy, gadget, etc. (insert whatever you love to buy here…)  Yet, if you are trying to save and contribute to retirement and emergency fund, this is counterproductive.

In today’s post, I’m going to give you a list of ten ways to learn how to curb spending.  Even if you aren’t buying big-ticket items like an Ipad, all the small ticket purchases add up.  Try writing your spending down for one week and see how much that morning coffee, a tube of lipstick and two dresses from the mall costs you. You will be surprised at the total.

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Secrets to Saving for an Emergency Fund

Saving for an Emergency Fund – The Secrets to Saving Quickly

Secrets to Saving for an emergency fund now!
Secrets to Saving for an emergency fund now!

Do You Need an Emergency Fund?

Imagine you wake up, get ready for work, and start to walk out the door.  Suddenly you step into a puddle on the carpet. The next step is an even bigger puddle! What is this? Why is the carpet drenched? After searching more, you realize your water heater has flooded! This happened to us! Yes, our carpet was ruined and we needed a new water heater.

Or your son fell off the monkey bars at school, landed wrong, and ended up in a cast. Your insurance doesn’t cover the entire bill and you are left paying around $300. This also happened to us. An unexpected medical bill or two can leave you reaching for your plastic card.

Both of these situations happened to me and my family. These were times when we needed a large amount of money to fix the situation at hand. Fortunately, we had an emergency fund saved to ease the burden of these surprise bills. Whether it be your water heater, new roof, health emergency, car accident or any other situation with a surprise bill, there are times in life when you need extra money above your regular budget.


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10 Easy Ways to Save Money Every Day

Easy Ways to Save Money Every Day

 

Easy ways to save money every day - Learn these easy money saving tricks and save more. #savemoney #moneytips #money
Easy ways to save money

Saving money isn’t always easy. In fact, many of us scrimp and save, just to get by. Nonetheless, there are many easy money tips and tricks to help keep your budget on track. So saving more money means keeping more in your pocket.  Learning how to save money every day will help you save money every month and little by little you will build up your savings account. The best part is it doesn’t have to be hard and there are ways to save money on a tight budget.

Unfortunately, over half of Americans do not have enough money saved to cover one month of expenses. According to a recent study by Bankrates.com, 20% of Americans don’t save anything and 47% only save 1-10% of their earnings. Yes, most people are one emergency away from going over the top into debt.

Saving money is important and some of the best ways to get on top of your money problems are as follows:

  • use a spending journal
  • create a budget
  • find ways to save more money
  • find a side hustle
  • create sinking funds or separate accounts
  • plan for retirement

By starting a budget, you will learn how to save money on a daily basis. If you are stuck on starting your budget, get your free budget template here:

No matter what you are saving for, it is best to have a goal in mind. Learning money tips and tricks will help you keep money in your pocket and you will reach your money goals.

The list below features many ways I use to save money. With a family of four, it is easy to go over budget, especially on groceries for kids.  However, I have found that if I continue to practice the tips below, I have a few extra bucks in my pocket at the end of the month and I hope you will too.

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Related:

Ways to Save Money Every Day

1.  Save Money by Finding Free Activities- There are so many fun activities in cities or local areas that are free.  Local parks, libraries, bike rides, and family walks are just a few.  Many times libraries offers classes and celebrations that are free, but you must sign up in advance. If you are at a loss for ideas, here is a list of 55 Summer Activities for Kids that are Frugal or Free and 20 Free Family Holiday Activities.

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