8 Black Friday Shopping Strategies

The rush to buy gifts during the holiday season can leave you tired and cranky. But, there are some specific strategies that you can use to get ahead of the crowd and insure that you have a solid game plan before you ever leave home (or surf the web). Black Friday has actually morphed into … Read more

Four Strategies for Making Holidays Memorable Without Breaking the Bank

I love the holidays: the lights, the songs, the festivities. However, I really don’t like the busyness or the emotional and financial strain that often comes with them. Sometimes, looking at my December calendar makes my head spin. Seriously! Over the years, I have learned to take a giant step back away from the emotional … Read more

Vegan Smoky White Bean Soup

Soup is not only delicious, it also is one of the fantastically easy ways you can cut back on your food budget! I pay between $1 and $1.50 for an entire pound of dried beans, depending on the type I am purchasing. Because the volume triples after cooking, a pound of dried beans (2 1/4-3 … Read more

How I Learned to Trust God’s Provision

I’ve been married for 31 years. That means I’ve had a good deal of experience in doing what our family calls, “praying in”. Raising children on a salary which was nearly always under the national US median, came with a fair share of times when we really didn’t have the money for anything extra. That’s when my kids would come to me and I would say, “Honey, we’re going to have to pay that in.”

Stop Wasting Food and Watch Your Grocery Budget PLUMMET!

I’ve been married and budgeting on a small income for 31 years. One of the most important things I’ve learned is that in order to successfully reduce my grocery bills, I must use what I have on hand. If you want to see your grocery bills plummet take stock of items you already have on … Read more

How to Create a Movie Themed Gift for under $20

November has begun and suddenly CHRISTMAS is staring you in the face in great, big scary numbers! But, it doesn’t have to be that way! Don’t be taken off guard! Begin by looking at the list of gift ideas and items you have on hand so that your tokens of esteem don’t become a budget … Read more

6 Easy Strategies for Lowering Winter Utility Bills

Most people believe that their utility bill is a fixed cost, but this is NOT true! When we were living on an income which was 30% under the national median and trying to make headway on some major life goals, we began to look for strategies to reduce every single line item in our monthly … Read more

TEN Ways to Connect with Your Kids Without Spending Any Money

I love spending time with my kids – seriously! They are amazing people with lots of interesting ideas. Time together has been a hallmark for our family for a very long time. However, often in our society, spending time and spending money are conflated, and, in our minds, come to mean the same thing. Additionally, … Read more