budget


This ONE tip when purchasing meat can save you hundreds!! 4 comments
I have a rule that I almost never break when it comes to meat:  Don’t spend more than $2/lb on meat.  The only exceptions are that I allow myself to buy salmon and beef once or twice a year.  I wish I could afford the more expensive cuts, but it’s just not reality for me.  This is why I buy discounted meat.   So…how do I find a deal?   Finding these meats isn’t always easy!  You can do it, however: […]

Buy Discounted Meat to Save Money   Recently updated !


ynab
Part of me thinks, “I can’t believe it’s already February”, and another part of me is saying, “It’s about dang time!  Good riddance to January!”   Don’t get me wrong, January wasn’t terrible, but this winter is more than making up for the mild winter we had last year, and I’m sick of driving everywhere in snow!  It stresses me out, dang it.  Although to be truthful, we need the snow pack in the mountains if we are to avoid […]

Down with Debt – January 2016 Income Report



saveongroceriesFB 1 comment
I think one of the easiest ways for us to lower our household/family expenses is through food.  I may not be able to change the monthly cost of my mortgage, but I can actively make changes to my lifestyle to save money on food.     If you are looking to cut costs in your life, I’d suggest starting with food.  It’s one of the easiest things to adjust.  Of course, I’m not a financial adviser…just a mom on a […]

Lower Your Food Budget and Save Money


Involve Your Kids in the Family Budget
  Kids and budgeting. The two really should go hand in hand. So why don’t more of us involve kids in the family budget? Why have so many of us grown up without having been taught how to create, and live by, a budget?   Whatever the reason(s), there is good news!  We can easily fix this  in our families. We can change our children’s futures for the better by teaching them this essential skill! It is truly a lot […]

Involve Kids In The Family Budget



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April and May were both expensive months for us. On April 1, I was rear ended, and my car was pronounced totaled.  Grr.  It took a few weeks for the other driver’s insurance company to accept liability, but they eventually did, thank goodness.  In the meantime, we purchased a car.  My husband and I differ on our viewpoints of purchasing cars.  I felt that although more stressful, it would be better to buy an older, used car that would avoid […]

Down With Debt – May Financial Report


IMG_20150213_1809381 2 comments
Last month was closer to a typical month for us, income-wise.  Most of our expenses were what we expected, but near the beginning of the month my husband’s uncle died unexpectedly, and so my husband ended up traveling out of state to attend the funeral.  That ended up being put on the credit card, as I’d already budgeted and allocated all of our money for the month.  Our debt number went up as a result.   Here are the exact […]

Down With Debt: March Monthly Finance Report



debtpayoff 7 comments
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 […]

Down with Debt – February Income/Expense Numbers


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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 […]

January Numbers – Down with Debt Challenge!