I think it's safe to say the world has gone crazy. Business are shutting down, people are being forced to stay home and self-quarantine, and when you do go out people everywhere are wearing masks. Times like these are something we never see coming, but here we are living through it. And I've got to say, I'm impressed with the human race in general and all the acts of kindness I've seen going around. Needless to say, these are stressful and uncertain times when it comes to our money. Maybe you've done all the right things. You've mapped out your plan to get out of debt. You've grown your emergency fund for those inevitable rainy days. And then the virus hit. Suddenly all your financial plans are put on hold. You might be dipping into that emergency fund, or just uncertain ... View Post
20+ Ways to Save Money in Your 20’s
Running a little low on cash? Here's over 20 ways to save money in your 20's (and beyond) so you can put more money back in your bank account! In your 20's you're probably going to spend a lot of time going to school, working entry-level jobs, and not bringing in lavish paychecks. That's why it's so important to save money every way you turn. And the good thing is, there's plenty of opportunities all around! So let's dive right in with how to save money in your 20's: 1.) Drive a used car. And no, it doesn't necessarily have to be a "beater." Even purchasing a car that's a few years old versus brand new off the lot will save you thousands of dollars in depreciation. 2.) Stop eating out for lunch every day. Food is probably my number one weakness when it comes to my money. I'm ... View Post
How to Budget On a Low Income
Budgeting on a low income can feel pretty impossible. Making ends meet, running out of money each month, trying so hard to make it work on one income..it's tough! That's where learning how to budget on a low income comes in. No matter how much money you make each month, you can budget successfully! My Story For much of my married life, you could classify us as DINK: dual income, no kids. Me and my husband both worked pretty good jobs and made decent money. And our lifestyle showed it. I've always been money-minded, but there was never any driving force strong enough to really make us hit our money goals (like getting out of debt.) We'd try hard at it for a few months, make some progress, then slip back to old spending habits. Fast forward five years, and we had our ... View Post
The Highlighter Budgeting Method
It's time to finally learn how to budget, and we're gonna make it fun! Grab your highlighters, your bank activity, and let's get started! Who would have thought we'd be living in a time that we'd be shopping (unsuccessfully) for toilet paper on Amazon?? We're all struggling through this current crisis, and now's the time to get our budgets on track more than ever. The idea of budgeting can seem a little intimidating (and even scary) if you've never done it before. But really, budgeting is just looking at how you already spend your money, and deciding how you want to start spending your money from now on. The best part is, budgeting doesn't even have to be hard. If you're willing to face what you've been spending, and stop looking at your bank account with one eye open, it can be an ... View Post
How to Save Money When You Live Paycheck to Paycheck
You may think it's impossible to save money when you’re living paycheck to paycheck. In fact, it's the last priority on your list. I mean, you can barely pay the bills, how are you supposed to save anything for yourself? Not only is it possible to save money when you're paycheck to paycheck, it's vital. The only way to start giving yourself some breathing room in your budget is to stop giving all your money away. You must start putting some money back for yourself, every time you get paid. Here's some super simple ideas to get you started saving money! Related: How to Quit Living Paycheck to Paycheck for Good 1. Make it Automatic A simple and classic way to save money: the automatic bank transfer. Set it up to where every payday a certain amount gets transferred right ... View Post
How to Stop Eating Out All the Time
Going out to eat is one of the biggest budget busters of our generation. We simply don’t have the time to make elaborate dinners every night! Some of us were never taught to cook, and so eating out takes way less time than cooking (and it usually tastes better.) But eating out is terrible on the wallet. For whatever reason, we balk at spending $10 on a 2 pound package of ground beef at the store, but a quick fast food meal for two at around $18 is no big deal. It is a big deal though, especially when going out to eat becomes a habit. It adds up fast! (One great way to see how much you’re spending on eating out each month is by using my highlighter budgeting method. You already know you’re spending too much on food, but you may be surprised just how high that number actually ... View Post
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