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Quick Income Ideas to Fund your Summer Vacation

Dreaming of a summer vacation? Me, too! The trouble is finding the money to pay for it. Sure, you can put it on a credit card. And, believe it or not, banks even offer personal loans for such things. But I know you’re smarter than that – because smart people don’t spend money they don’t have. And that got me thinking… What are some quick income ideas to fund your summer vacation? Turns out there are tons of“Quick Income Ideas to Fund your Summer Vacation”

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How to be Happy (Even when you’re Broke)

As a wife and mother, I have a tough time being happy. When you add in the weight of debt, budgeting, and the busyness of life, it seems impossible to be happy when you’re broke.  And then I see pictures on Facebook of all the fun my friends are having – vacations, beach trips, new clothes, and fancy restaurant meals – and that’s enough to send me over the edge. Why can’t I have that?“How to be Happy (Even when you’re Broke)”

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Easy and Affordable Gifts for Mom

This post may contain affiliate links. Read more here. With Mother’s Day right around the corner, it’s time to show mom just how much we love her with these easy and affordable gifts for mom. It’s so easy to take our loved ones for granted and moms fall into that category all too often. Our mothers are our first friends, our biggest cheerleader, and the ones who help you pick up the pieces when your world“Easy and Affordable Gifts for Mom”

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How to Save Money: the $20 Simple Savings Challenge for Couples

How does an extra $1,000 sound? Great, right? With the stress and expenses of everyday life, figuring out how to save money is tough. But it doesn’t have to be! With the help of this $20 Simple Savings Challenge for Couples, you’ll see how easy it is to work with your partner to build big a savings of more than $1,000 over the next 52 weeks without sacrificing your budgeting goals. Savings Challenge Designed for“How to Save Money: the $20 Simple Savings Challenge for Couples”

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Easy Ways To Increase Income And Save More Money

Since saving money only gets you so far, sometimes you need to easy ways to increase your income. Whether it’s a short-term need or to help with your long-term goals, these easy ways to increase your income are easy to fit into your life. Before you roll your eyes and say, “I don’t have time for a second job!” – I hear ya! I ain’t got time for that either. These easy ways to increase“Easy Ways To Increase Income And Save More Money”

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15 Simple Ways to Cut Costs and Save More Money

*This post may contain affiliate links. Read my disclosure here.   How many times have you promised yourself “this is the year I’m going to save more money”? Yet somehow it never happens. Something always comes up! I know it’s hard. Between staying on top of the regular bills and expenses, school fundraisers, and the ever-increasing cost of groceries and gas, it’s almost impossible to set aside part of our income for a rainy day.“15 Simple Ways to Cut Costs and Save More Money”

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3 Easy Spring Cleaning Hacks You Need to Know

This isn’t going to be your typical “spring cleaning” article. You see, I’m much too busy to spend a lot of time deep-cleaning my home. I mean, I struggle with the basics of keeping up with the dishes and tackling the “paper clutter monster” that always seems to spiral out of control.

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How I Saved $100 on Makeup

It’s no secret that beauty is expensive. I recently set out on a journey to save money on makeup. I was shocked when I discovered I could save $100! I was expecting to save a few bucks, maybe twenty at the most. But $100? That’s incredible. And I’m going to show you exactly how I did it. Makeup is one of the budget categories that I struggle with. I’m no fashionista, but I do like“How I Saved $100 on Makeup”

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The Best Way to Safeguard your Debt-Free Journey

Ever been accused of being greedy? Or being stingy with your money? If you’re on a debt-free journey like me and pinching every penny, it can be tough for outsiders to see your generous heart. But what others sometimes fail to see is that being frugal and sticking to a budget doesn’t make you greedy – it doesn’t change your generous heart at all! Even though you’re trying to save money and crush your debt,“The Best Way to Safeguard your Debt-Free Journey”

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Old Debts, Credit Reports, and Other February Expenses

A sneak peek into one of the most personal areas of our lives – our finances. I struggle with sharing this with you each and every month. Money is the most-fought-about topic in the history of the world, I’m pretty sure. And it’s one of the leading causes of divorces! And even though our spending habits are very personal, I share them with you each month. Why? Because a wise man once said to me,“Old Debts, Credit Reports, and Other February Expenses”

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My Favorite Tool for Saving Money and Paying Off Debt

I’m easily frustrated. Especially when it comes to money. I mean, look around – it seems like everyone else has their act together and I’m over here desperately trying to claw my way out from under my debt. And I’ve tried several systems to do that. Right now I’m using the Dave Ramsey Snowball method (you can read about that on Dave’s site here) and that is working very well. But the part I get hung“My Favorite Tool for Saving Money and Paying Off Debt”

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Furnace Filters and Other January Expenses

I’m embarrassed to post our budget for January. (Please don’t judge us!) Do you ever have a month where everything is out of whack? That was our month last month. So many things went wrong. Please know we’re doing much better this month and even making more sacrifices to help make up for all the ridiculous that went on with our January budget. So, here’s the thing. Andrew and I both had unexpected medical problems“Furnace Filters and Other January Expenses”

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5 Awesome Movies for Date Night He’ll Actually Watch

Movie night is one of our favorite low-budget date nights. The trouble is, my husband and I often disagree on what movie to watch. Do you have that problem? (Oh, please say we’re not the only ones that can’t agree on a movie to watch! HA!) There’s no question that Andrew and I are different. He’s your typical guy – he likes all the Marvel superhero movies, the Lord of the Rings, and others that“5 Awesome Movies for Date Night He’ll Actually Watch”

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The Real Reason You’re Still in Debt (and How to Fix It!) – BONUS Free Tip Sheet

Are you deep in debt and not sure why you’re still struggling? I’m here to share with you the number one strategy to end the cycle – it worked for me and I know it will for you, too. It involves unexpected expenses. Most of us are smart enough to know that if we keep charging groceries or restaurant bills, we’ll keep ourselves in debt. But what about those unexpected expenses? Do you reach for“The Real Reason You’re Still in Debt (and How to Fix It!) – BONUS Free Tip Sheet”

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Do You Know Where Your Debt Is? (Plus a FREE Printable!)

Most of us at this point in our lives have debt. But do you know where it is? Or how much you owe? If you’re thinking about getting your finances under control, you might not know where to begin. When first starting on your journey to financial freedom, you need to figure out where you’re at. And that means gathering up your bills, logging into your online accounts, and making a list of all your debts.“Do You Know Where Your Debt Is? (Plus a FREE Printable!)”

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How to Stop Debt from Destroying Your Future

How do you view your debt? Do you use your credit card to supplement your lifestyle? Freely racking up debt on clothes, going out to eat, or vacations? Or do you see it as a burden? A huge anchor weighing down your dreams? My opinion of debt has changed over the years. Early in my adult years, I didn’t think much of it. Everyone has debt, right? Whether you’re drowning in debt or just starting to“How to Stop Debt from Destroying Your Future”

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$75 at Olive Garden and Other December Expenditures

Well here it is, a full week into January and the final numbers are in for our December budget. I have to warn you: it isn’t pretty. We overspent on gifts. (Doesn’t everyone?) The amount listed this month – $500.90 – isn’t even close to what we spent overall. I got tired of carrying around cash and had to order a few things online so I deposited what was left of our Christmas club account“$75 at Olive Garden and Other December Expenditures”

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5 Best Ways to Lose Weight on a Budget

It’s the start of a new year and for many that means our ambition to accomplish new and amazing things has kicked into high gear. Many of us choose weight loss as our goal and, if you’re not careful, that goal can derail your budget faster than you can say “hold the mayo.” But weight loss doesn’t have to cost a fortune. There are so many diet and exercise programs out there (some good, some“5 Best Ways to Lose Weight on a Budget”

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3 Easy Tricks to Win with Money in 2017

As we say goodbye to 2016, we get an opportunity to start fresh in the new year. New goals, new strategies, and new opportunities to win with our money. For us, 2016 was a rough year. We didn’t pay down as much debt as we did last year – but part of that is because we put $7,000+ into remodeling our bathroom. We also had a lot of unexpected repairs and other expenses that popped“3 Easy Tricks to Win with Money in 2017”

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Saving Money on New Years’ Eve: Best Tips for Couples

Merry Christmas my friend! With the holidays in full swing and everyone engulfed in the over-commercialization of everything this time of year, it’s easy to lose sight of what truly matters: our families. It’s probably true that time with your hubby has been sacrificed in the holiday rush, too. Between shopping, wrapping, baking, and the never-ending Christmas parties, there isn’t much time left to spend with the man you love the most. At our house, we like“Saving Money on New Years’ Eve: Best Tips for Couples”

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Top 5 Gifts your Tween Daughter Actually Wants for Christmas

Being a girl is hard. Being a tween girl is almost impossible! And if you’re like me – a mom to a tween girl – you’re struggling with what to put under the Christmas tree this year. As your tween girl teeters somewhere between the child you know and love to maturing into a full-blown teenager and leaving the land of make-believe behind, it is tough to figure out exactly what they want.  Lucky for“Top 5 Gifts your Tween Daughter Actually Wants for Christmas”

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Our Monthly Budget Report for November 2016

Does budgeting ever get easier? I’m not sure. I mean, I hope so. That’s why we’re working so hard to get our debt paid off – that will free up money to spend on fun things! This month was another rough one. I suppose that’s to be expected with the first holiday of the season here: Thanksgiving. Plus, we had a few unexpected repairs and expenses that put our spending over budget for the month.“Our Monthly Budget Report for November 2016”

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Adjustable Rate Mortgages: Are they Right for You?

With so many options on the market today when it comes to financing your home, which should you choose? One option is the adjustable-rate mortgage, or ARM. Often referred to as a variable-rate loan because the interest rate varies over time, with adjustable-rate loans, your interest rate will periodically adjust up and down as market rates fluctuate. There is typically an introductory period where the rate will stay the same, followed by a set schedule“Adjustable Rate Mortgages: Are they Right for You?”

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31 Free Ways Families Can Give Thanks this Season

When focusing on a debt-free future, it’s easy to get so wrapped up in our own world of budgeting and spreadsheets that we lose sight of the true meaning behind why we’re doing what we’re doing. To be more generous. Think of the money I could give to the church, to help out friends and family, to save for my child’s college education, if I didn’t have all this debt. But while we’re busy saving“31 Free Ways Families Can Give Thanks this Season”

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Top 5 Ways to Save Money on Thanksgiving

When it comes to the holidays, budgets are tough. Who am I kidding – budgets are tough all year long! But there’s something different about Thanksgiving – we enter the season of joyful giving. When our budgets are tight, it isn’t easy to give graciously.  What we fail to realize is that more money does not equal more fun (or more love). But this year will be different. This year we can stick to our“Top 5 Ways to Save Money on Thanksgiving”

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Our Monthly Budget for October 2016

The budget this month is rough. Andrew and I had to face some hard truths this month and we realized we got way off track with our money management.   It’s true. We failed at our budget. Big time.   They say the first step is admitting you have a problem. So that’s what we’re doing this month. We have a problem. You see, a few months ago, we switched to using an online budgeting“Our Monthly Budget for October 2016”

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