Category Archives : frugal living

Frugal Living 101

Are you new to frugal living?  How about working and living within a budget?  There are those who are veterans at this type of stuff, and there are those who are newbies.  It doesn’t matter where you are on your journey, it’s YOUR journey!  For those who may be newer to it, I give you Frugal Living 101.



change jarFrugal lіvіng rеfеrѕ tо a way оf lіfе thаt іѕ dеѕіgnеd tо kеер уоu out of debt. It is a way оf lіfе thаt enables уоu tо ѕреnd аѕ lіttlе as possible.  Living this way means thаt the extra саѕh you аrе no longer рuttіng to use саn be used to rеduсе any debts thаt you hаvе, tаkе уоu on thаt vacation уоu hаvе аlwауѕ wаntеd,  оr simply аllоw уоu to ѕреnd mоrе ԛuаlіtу tіmе with уоur family, depending on your own individual goals.


Sometimes living this way can seem limiting, but I’m here to tell you that it’s not!   Yоu rеаllу dо have mоrе options open tо уоu whеn lіvіng a frugаl lifestyle, because you have a better plan and priorities in place.


There are mаnу wауѕ thаt уоu саn kеер уоur соѕtѕ dоwn even if you are ѕuffеrіng from large dеbtѕ оr a lаrgе mоrtgаgе; there аrе аlwауѕ wауѕ tо economise. These саn range frоm bеіng simple lifestyle changes ѕuсh аѕ nоt gоіng tо thе gym and exercising at hоmе, or cutting the cable/phone/internet at home.  I am sharing a new frugal tip EVERY DAY of 2015 on my Facebook page if you are looking for ideas!



Below аrе еxаmрlеѕ оf ѕоmе mаjоr changes уоu саn mаkе to уоur lіfе іn оrdеr to аdарt a mоrе frugаl lіvіng lifestyle (please keep in mind that these are big changes.  I realize some may or may not work for you.  This is simply a starting list to get those ideas flowing for you):

  • Move іntо a ѕmаllеr hоuѕе. Just bесаuѕе уоu can аffоrd tо live іn a lаrgе hоuѕе dоеѕn’t mean that уоu should. Mаnу of uѕ thіnk that wе nееd thе аddеd ѕрасе that a large hоuѕе brіngѕ us when іn fact if wе gоt rіd оf a lot оf сluttеr аnd things wе dоn’t nееd it would bе сlеаr thаt a ѕmаllеr property would bе mоrе ѕuіtаblе. Moving іntо a ѕmаllеr house wіll соѕt you lеѕѕ, ѕаvіng you mоnеу


  • Cаnсеl оr cut down ѕkу/саblе ѕubѕсrірtіоnѕ. Think аbоut hоw mаnу channels уоu асtuаllу wаtсh оn уоur subscription аnd dесіdе іf it is wоrth whаt уоu аrе paying. Bу getting rid оf this ѕubѕсrірtіоn уоu wоuld be ѕаvіng уоurѕеlf a large ѕum оf mоnеу nоt just еасh month but еасh уеаr.


  • Cut your cars down.  In other words, if you are living in a 4 car household, try cutting that down to 3 cars.  Find ways to make it work, such as carpooling or simply more efficient scheduling of events.  This will save SO much money!



Of course, there are smaller things you can do as well:


  • Lооk around bеfоrе buуіng. If уоu are іn nееd of ѕоmеthіng аѕk аrоund family and frіеndѕ tо ѕее іf they have оnе thеу аrе nоt uѕіng bеfоrе you gо оut and buy a new оnе. If no one уоu knоw hаѕ what уоu аrе lооkіng for thеn trу lооkіng аrоund сhаrіtу ѕhорѕ before уоu buу a brand nеw оnе.


  • Eаt оut less. Rеѕtаurаntѕ аnd еvеn fast fооd outlets аrе expensive аnd many оf uѕ dоn’t realise just hоw muсh wе аrе ѕреndіng еасh уеаr оn this luxury.


  • Quіt ѕmоkіng/drіnk in mоdеrаtіоn. Thіѕ sounds lіkе an еxtrеmеlу сhаllеngіng аѕресt but juѕt thіnk оf thе mоnеу уоu wіll be ѕаvіng in thе lоng run – not only from not having to purchase those things, but from the better health you’ll experience.


  • Stор оnlіnе іmрulѕе buys. Shорріng оnlіnе is ѕо tеmрtіng bесаuѕе it іѕ ѕо еаѕу. Wе can ѕо еаѕіlу get dіѕtrасtеd аnd еnd uр ѕреndіng mоnеу thаt wе knоw we shouldn’t.


This blog is chock-full of more ideas…so definitely check them out if you need!



Down with Debt – February Income/Expense Numbers 7 comments   Recently updated !

Time for the Down-With-Debt monthly report!  Well, February was a good month, financially for us.  We received our tax return, and my husband received his once-yearly bonus.  In years past, his company has taken over half of his bonus check and put into taxes, so this year we changed the tax claiming so that we could get as much of the check as possible.


Because 2 of our paychecks (including the bonus check) fell on the last day of February, some of that income will be going towards expenses in March.  Here’s the run down:

Hubby’s income (full time):  $6,159 (this is with a $4,000 bonus, yippee!)

My income (part time):  $634

Online income:  $424

Tax return:  $4,140

Total income:  $11,357


indexHoly cow.  Can you imagine if we made that kind of money EVERY month?  :)  I can pretend, can’t I?  ha ha.


Anyway, like I said, some of the money is going towards expenses in March, but we were able to use this income to pay down our debt quite a bit, which made my day:

  • Tithing (we pay 10% of our income to tithing every month):  $1,357
  • Charitable:  $60
  • Mortgage:  $1,017
  • Phone/Internet (3 phones, internet) – this number will go up next month, because after struggling with spotty internet for a few months, I about lost my mind and decided to pay for it, rather than stick with the free stuff we were getting with my phone’s hotspot:  $83
  • Utilities (gas, electric, water):  $229
  • Life insurance:  $32
  • Groceries:  $200
  • Car (Insurance, gas):  $202
  • Emergency Fund: $200
  • Debt Payment:  $5,928
  • Gymnastics:  $90
  • Swimming lessons:  $35
  • Medical bills:  $20 co-pay
  • Spending money (this is the first month in quite some time that we’ve done this:  I decided to let us have some extra spending money to buy some clearance winter clothes, as well as some gardening supplies.  I feel it was a worthy splurge!):  $160

Total expenses:  $9,558





*linked at Share the Wealth Sunday and Frugal Friday



January Numbers – Down with Debt Challenge! 1 comment

Well, once again I’m really late on updating my numbers from last month.  Oops.


The good news is that we didn’t have a lot of unexpected surprises come up in January.  My husband’s income also looks higher, since there were 3 pay days in January for him.  My work income, however, was smaller this month, due to the winter break we had at the school – I had 2 weeks of unpaid time off.  So, the numbers are not exactly exciting, but they aren’t bad, and that in and of itself is exciting, in it’s own way!


Hubby’s income (full time):  $3,118

My income (part time):  $508

Online Income (Surveys, blog):
$214.50 cash
$45 Amazon GC

Total:  $3,840.50



Tithing – $384

Charitable – $20

Mortgage – $1,052

Phone/Internet (3 phones, home internet) – $82

Gas/Electric/Water – $237

Life Insurance – $32

Groceries – $400

Car (Insurance/Gas) – $193

Debt payment – $655

Emergency Fund – $20

Laptop savings – $153.50


Total:  $3,228.50


The remaining $612 is going towards expenses this month:  Groceries, insurance, etc.  The reason is that the 3rd paycheck came on the last day of the month, and so it will be covering bills that come out at the beginning of this month before we get paid again.


So, there you have it!  Pretty boring, eh? :)  Frankly, I kinda like boring lately.!








December Money/Budget Report – Down With Debt 3 comments

Oh, dear.  I am SO late getting this report done.  I apologize for the delay.  My son and I both caught that terrible, awful flu bug that is going around (the entire nation, it seems).  I have been wiped out, and haven’t accomplished a whole lot in the last few weeks.  I’m feeling almost completely better now, except for the cough that doesn’t want to leave, and I’m hoping to get caught up on everything in the next few days!


indexOur December income looked pretty standard:


Husband’s income (full time):  $2,086.21

My income (part time):  $563.32

Online income:  $150


Total income for December:  $2,799.53


The biggest unplanned expense this month was the doctor visits and medication for the flu.  Anyone who has picked up a prescription for Tamiflu knows what I’m talking about – that stuff is expensive!  I only picked up one prescription for my son and rode it out myself, so between that and our $20 co-pay, we had $97.85 unplanned expense with the flu.  Everything else was pretty standard, and expected:

Tithing:  $273

Charitable:  $20

Mortgage:  $1,035

Phone/Internet (2 smartphones and one cell phone):  $91.72

Utilities:  $183.88

Groceries:  $225

Emergency Fund:  $50

Christmas:  $100 (Our actual total purchased was more than this, but we used gift cards that we’d earned online and as prizes from my husband’s work, so $100 was our total out of pocket this year for Christmas.)

Car fuel:  $175 (normally $210 each month; thank goodness for the lowering gas prices!)

Debt:  $548.08

Medical:  $97.85


Total Spent:  $2,799.53


My goal for January is to increase our debt payment by at least 50%…here’s hoping! :D






How to Get Out of Debt: 5 Important Steps to Take in 2015 5 comments

Debt sucks.



We all know it, and many of us live feeling burdened by it.  This year, if you haven’t already done so, then join me in DOING SOMETHING ABOUT IT!  Below are 5 important steps to take in 2015 to rid yourself of debt:


1.   Know your debt.  You can’t fight the monster that you can’t see.  Add up EVERY LAST ONE of your debts, big and small.  You’ve got to know what the big picture is.  It can be extremely discouraging to see the total number, but use it as a motivator instead!  It’s a wonderful thing to see the numbers go down, and a great way to keep you motivated, but you won’t see the progress without the starting number.  If you are visually oriented, you can create a chart mapping out the total amount of debt, and/or a chart mapping the total amount of each individual debt.  Don’t be afraid.  You’ve got this!  (You can see and download different charts here, here, or  here.)


2.   Track your expenses.  Once you know your total numbers, it”s time to find out where all your money is going, so you can figure out where you can afford to make cuts.  It’s generally recommended that you do this for an entire month, so you have a monthly picture.  For me, it’s an ongoing process, and that’s what I’d personally recommend.  Yes, track for a month so you can take the next few steps, but continue each month to track what you’re spending!


3.   Create a budget – one that ELIMINATES credit card use!  You can use free Budgeting Worksheets, or you can use software programs like Mint or YNAB.  I personally use YNAB (You Need A Budget), and I love it.  It feels more complete than a worksheet and it tracks EVERY PENNY, which is something I was never good about doing with a worksheet.  To each his own though, do what works for you!


4.   Add any extra $$ to one debt only. Pay the minimum on all your debt balances except for ONE, and on that one, pay every extra penny you can.  There are different ways to go about this.  You can pick the debt with the highest interest rate since it’s costing you the most per dollar, and get rid of it ASAP, or you can do like Dave Ramsey recommends and take out the smallest sized debt first, so that you are able to see successes sooner and keep motivated.  It’s really a personal decision.  And please, do NOT use the credit card/debt account to accumulate any new debt while you are doing this!


5.   Keep at it!  Never stop following these steps.  When you are free from credit card debt, start paying off the car, or the medical bills, or the student loans, or the mortgage!  Want to buy a big-ticket item?  Use these steps to save up for it, and never allow yourself to get into debt again, if you can help it!!


Save Money While Cooking 4 comments

With the prices of food going up (always!), it’s good to find ways to stretch things, if you can.  Fortunately, there are a lot of different ways to make the grocery budget stretch.  It seems that I learn new ideas every month, and I love it!  Need a few ideas?  Here are some of my newest favorite ways to make that grocery budget last a little longer:


  • rouxI make gravy after cooking meat in the saucepan.  Every time.  I sprinkle some bean flour in to thicken, and then I pour some water or homemade chicken stock into the pan, along with some onion powder and sea salt, to take advantage of the delicious drippings and bits left in the pan after cooking. You could also add milk or cream if you choose.  Meat is expensive, and so is the olive oil I’ll usually cook my meat in, and I’m not about to let any of it go to waste!  I’ll sometimes use it as a gravy, sometimes as a thickener in a soup later.


  • I put a filler in my ground meat.  Every time.  Whether I’m having pan fried hamburgers or meatballs, or taco meat, etc, I always add fillers.  Usually I’ll add an egg or two, but not always.  Sometimes it’s mashed potato flakes, sometimes it’s pureed beans, sometimes it’s leftover rice.  Anything to bulk that meat out is welcome.


  • Pop your own popcorn, instead of using the microwave popcorn packets.  Sometimes I’ll put 1/2 cup of dry popcorn kernels in a paper lunch bag and microwave it like that, and sometimes I’ll pop it over the stove in coconut oil with a little sea salt – yum!  It’s generally quite a bit healthier doing it that way as well.


  • If you make smoothies or banana bread or things like that, no need to buy full priced bananas.  At a few of my local stores, the overripe bananas are available for sale at a nice discount.  I’m going to freeze bananas anyway for my banana smoothie, so I buy the discounted ones and freeze the entire batch immediately.  I used to buy the regular-priced bananas and then when they got brown I’d freeze them.  No more.  Now I just buy ‘em brown and save that extra cash.


  • imagesEat leftover rice.  This tip is from my husband.  I told him that I’ve already shared recipes for this particular tip (HERE and HERE), and he quickly replied, “how about eat leftover mashed potatoes?”  Let me sum the whole thing up for you, dear….how about we all just eat leftover FOOD in general?  ha ha.  I had a good laugh and enjoyed making fun of him. :)  I suppose it IS a good point, anyway.  In fact, you can donate a night to leftovers.  One less meal to plan for the week.


  • Home make your snacks.  I no longer buy chips or crackers…this is mostly due to health concerns, but it’s definitely saved money.  When I want a crunchy snack, I reach for my homemade roasted chickpeas.  And these I NEVER make from the canned chickpeas – oh no, I cook them dry and then roast them.  Using dry beans is so much more economical, and I like being able to control the sodium.  The same goes for many snacks – cook your own plantain chips, your own potato chips, your own popcorn (as I mentioned above), etc.  Tastier, generally healthier, and cheaper!


  •  Stick with the basics.  My diet is fairly predictable, perhaps even boring.  Every week includes at least one leftover night.  We always have a breakfast or taco night.  And you know what?  That’s okay!  If I ate the nice steak on a regular basis, it wouldn’t be very special anymore, now would it?  We definitely do our best to get a variety when it comes to produce, but we also buy in season, which means for the next few months we’ll be eating a lot more oranges.  Predictable?  Yep.  Frugal?  Yep again!


Of course, there are dozens of other great ways to save money in the kitchen.  What is your tried and true tip?


November Budget Report 1 comment

I’ve been putting this post off.

Not necessarily because the numbers are BAD, more because the numbers are…well, not all there.  Friends, my LAPTOP DIED.  What a sad, sad day it was.  With it, the budgeting software (which I can recover) with all the updated numbers (which I cannot recover).  So…yeah.  Oops.


One thing I have found since getting serious about budgeting EVERY penny is this:  There is NO such thing as a normal month, or at least there hasn’t been so far!  I keep thinking to myself, “when we have a normal month, without surprise expenses, then we’ll really get this debt paid down quickly!”, and yet, those kinds of months don’t seem to exist.  It’s been a great eye opener for me, and I’m so grateful for that.  We had over $500 in vet bills, in addition, or course, to the laptop dying (although that’s not really an expense right now, because I ain’t spending money for a new one).  And while the gymnastics bill wasn’t unexpected, I wasn’t exactly prepared for it.  Another great learning experience:  ya gotta budget every month for expenses that don’t come out every month.  (Y’all already knew that, didn’t you?  I’m kinda slow.)


indexI can still give you the main gist of the month, so let’s take a look:


Household Income:

  • My part-time job (Para Educator) – $537.79
  • Hubby’s full time job – $2,232.76
  • Online income (blog, surveys, etc) – $276.04

Total Household Income:  $3,046.59


Household Expenses:

  • Mortgage – $1,035
  • Tithing – $305 (We pay 10% of our income to tithing each month)
  • Other Charitable giving – $30 (Donations, etc)
  • Gymnastics – $180 (This comes out every 3 months, so I need to remember to budget $60 each month for this, so I’m not caught off guard next time!)
  • Vet bill – $518.81
  • Credit Cards – $664.14
  • Phone bill (this includes our 3 phones and internet) – $81.72
  • Utilities (heat, water, electric)  – $122.86
  • Car Insurance – $73.45
  • Emergency Savings – $35

Total Household Expenses- $3,045.98


Halfway through November, I had a higher debt payoff amount…but that was before the 2nd visit to the vet with my very sick cat.  That 2nd bill was put on our credit card (BLAST!), so I had to deduct it from the debt payoff to even it up.  Does that make any sense?  :)  It’s late and I’m sleepy, so one never knows…


Anyway, there’s the gist of it.  The two biggest lessons I learned this month:

  1. Budget EVERY month for the expenses that don’t occur every month.

  2. NO month is “normal”!  Plan for unexpected expenses EVERY month!



Down With Debt Mid-November Update 4 comments

I’ve gotten so behind on posting updates about our finances, but I wanted to at least do a quick check in.  So far, November has been more kind to us, in regards to surprise medical bills and unexpected car repairs.


indexOur cat recently started peeing outside the liter box and the other day we noticed blood in his urine.  I called the vet and scheduled an appointment, and $233 later, we’ve got two prescriptions that I can’t get him to take.  Because I didn’t have a budget for vet bills, it was put on our credit card…AUGH!  I was quite shocked when I saw the bill and realized that $40 was charged FOR THE PHONE CALL I made to schedule the appointment.  Don’t think I’ll be calling them again.  We’ll just have to show up, ha ha.


Other than that, things have gone about as expected.  Our pet food bill will be going up, as we’re supposed to put our cat on a wet food-only diet to help with the crystals forming in his bladder.  I just bought a pet water fountain on Amazon to try and help encourage more water drinking, but that didn’t cost anything because I had earned enough gift cards with Swagbucks.  I also have a Prime account, so the shipping is free, and I’ll get it in 2 days!  I hope it’ll help.


Another expense that we don’t have monthly occurred (it happens every 3 months):  enrolling my daughter in gymnastics ($180).  It’s the one thing I will NOT sacrifice.  She’s waited so long to start, and when I finally bit the bullet earlier this year, she was the 11-year old girl in a class with 6-year olds.  She stuck with it and has advanced every single term, and, starting December 1, she’ll be enrolled in the highest level they offer before competitions!  She’s finally learning with girls her own age, and it’s been a dream come true for her.  I’m so happy she’s found her passion.

So far we’ve been able to pay $864.63 on our debt.  Using the YNAB budgeting software has been SO helpful in helping me to know exactly how much I can put to our debt.  I anticipate that as we keep using it, we’ll be able to pay a little more each month to debt, simply as we find little extra bits of money here and there.  Of course, it’ll help to avoid some of the financial “surprises” we had in the previous 2 months!  Fingers crossed. :)





Down With Debt – October’s Monthly Finance Report

Well, well, well.

indexIt’s already time – another month has passed.  October turned out to be fairly full of medical bills and car repairs – although not as full as September was (thank goodness!).  Let me show you the numbers, with comments:



Total (net) income from both our jobs for the month of October:  $2,798.89

Online Income (surveys, etc):  $74.66

Total Income:  $2,873.55


Mortgage:  $1,035

Utilities (phone, internet, gas, electric, etc):  $247.71 – I have a sinking suspicion that this will be our last low gas bill month, with the cold weather arriving!

Insurances (life and car):  $105.85

Tithing, charity:  $300

Debt repayment:  $211.91

School (fundraisers, pictures, lunch):  $69.25

Medical Bills:  $182.74

Grocery: $280

Gas Money:  $164.48

Car Repairs and yearly Registration:  $251.61

Emergency Fund:  $25

Total Spent:  $2,873.55


I love that I was able to find a spot for EVERY PENNY we made.  I used to estimate and get close, but with me wanting to get more serious about our budget, it’s important to me that I find a home for EVERY dollar, and yes, EVERY penny!  I have the YNAB budgeting software to thank for that.  Now that I’m using it, I feel more confident that my numbers will continue going in the right direction.


So…you know, it wasn’t an overly impressive debt repayment month, but we kept our heads above water.  We’ve started building our emergency fund again as well.  I’ve made a few changes that will save us an additional $100+ each month, so November will be even better.  I’ll be sharing what I did later this week!


Budgeting – The Basics

Okay, so most of us are familiar with the term “budget.”  If it’s something that is fairly new to you, let me give a very simple overview and explanation:


What Exactly is a Budget?  The Basics:A good builder uses a set of building plans to build a house. If he didn’t, the kitchen might get overlooked completely.  That’s how important a plan is.

Yet most of us handle our finances without any plan at all.

Not very clever of us, is it?

Without a money plan, we will travel on our financial sea without a direction and end up shipwrecked on the island of financial grief.

A money plan is called a budget.  A budget is the ultimate financial management tool and it is crucial for us if we are to get to our desired financial goals.  Budgeting is simply having a plan or guideline showing how your money will be allocated or spent during a particular period.  I usually build my budget for a month’s time, although you can certainly do it for a week instead, if that works for you.

The main objective of budgeting is to produce a spending list that is equal to or less than your income.  Being aware of how you spend money is the most critical step in financial freedom.  Budgeting is one of the hardest financial disciplines to keep (not the actual making of the budget; that’s fairly easy to do. It’s sticking to the budget that is difficult)!  And that’s okay. It’s a work in progress, after all.

The best way to make a budget that you can stick to in the long term is to make it realistic. Never (and I repeat never) make it a financial starvation plan. Instead make reasonable allocations for all your necessities, entertainment and savings as well as the occasional luxury item.

Why should you even bother with budgeting?

You will be shocked at ‘non-necessaries’ you spend money on.  If we can get control of the expenses that really don’t matter in the grand scheme of our lives, we can enjoy financial freedom eventually.  And that is what we all want, isn’t it?