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 moreFour Strategies for Making Holidays Memorable Without Breaking the Bank
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 moreVegan Smoky White Bean Soup
I’m a stickler for not wasting food. Our family goal is to waste no more than 3% of all the food that comes into our home. So, I make an effort to research how to use every bit of edible material. It turns out that making homemade vegetable stock is not only easy, nutritious, and … Read moreCheap and Easy Vegetable Broth from Scraps
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.”
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 moreStop Wasting Food and Watch Your Grocery Budget PLUMMET!
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 moreHow to Create a Movie Themed Gift for under $20
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 more6 Easy Strategies for Lowering Winter Utility Bills
As my oldest boys have become grown men, they have thanked their father and me, not for the money we spent on them, but for the time that we spent with them. 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 … Read moreTEN Ways to Connect with Your Kids Without Spending Any Money
Our oldest recently began his senior year of college. It feels a little surreal as each day we get closer to his graduation in May. He’ll graduate with two associates degrees and one bachelor’s degree and absolutely no student debt! Here are some tips that we learned in our journey to higher education. 1. Set … Read moreNine Strategies For A Debt-Free College Degree!
Seven years ago we allowed our teen to take over our family budget for six months! In 2012 we decided it was time to make finances and budgeting REAL for our oldest son. He was 16 at the time. We put him in charge of our family finances for six months! That’s right! We handed it over … Read moreHow to Transform Your Teen’s Relationship with Money