Open post best movies for date night he'll actually watch, valentine's night movies

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”

Continue reading

Open post HOW TO STOP DEBT FROM DESTROYING YOUR FUTURE, BANKRUPTCY, BUILD GOOD FINANCIAL HABITS

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”

Continue reading

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!)”

Continue reading

Open post HOW TO STOP DEBT FROM DESTROYING YOUR FUTURE, BANKRUPTCY, BUILD GOOD FINANCIAL HABITS

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”

Continue reading

Open post how much should i budget every month

$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”

Continue reading

Open post how to lose weight while on a budget

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”

Continue reading

Open post

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”

Continue reading

Open post New Years Eve ideas for couples

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”

Continue reading

Open post Best gifts for TWEEN Girls

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”

Continue reading

Open post how much should i budget every month

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”

Continue reading

Open post adjustable rate mortgage a good idea

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?”

Continue reading

Open post Random Acts of Kindness

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”

Continue reading

Open post Top 5 Ways to Save this Thanksgiving

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”

Continue reading

Open post how much should i budget every month

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”

Continue reading

Open post earn money for christmas

Five Easy Ways to Get Cash for Christmas

Christmas is coming. Before you roll your eyes because it’s barely past Halloween, hear me out. The holidays are coming and they’re coming fast. I always think I have enough time to put extra money away to help with Christmas expenses and every year the holidays sneak up on me faster than the year before (or so it seems).       So here we are, on the fast-track to Christmas and we need some“Five Easy Ways to Get Cash for Christmas”

Continue reading

Open post How to make the envelope system work for me... good advice!

How to Win with the Envelope System

The envelope system isn’t anything new. If you haven’t heard of it, don’t worry – it’s pretty simple. Basically, you take each budget category and make an envelope for it. And inside each envelope, you put the amount of money you have budgeted for that category.   Once the money is gone – that’s it. You’re done spending. (For a more detailed version, Dave Ramsey does a great job of explaining it here and Money Crashers“How to Win with the Envelope System”

Continue reading

Open post Start now to have a debt-free christmas this year

It’s Not Too Late to Have a Debt-Free Christmas

Cooler temperatures have descended upon us. The trees are changing from a deep lush green to shades of red, yellow and orange. The seasons are changing and fall is here. And with fall comes the reality that Christmas is just around the corner.   Yes, I know. “It’s not even Halloween yet!” I can hear you. And I agree. But this is important.   Christmas is coming. In fact, there are only 67 days –“It’s Not Too Late to Have a Debt-Free Christmas”

Continue reading

Open post

Top 3 Reasons your Budget is Broke

Wondering why your budget doesn’t work? If you’re like me, sometimes your best efforts go unrealized when you get to the end of the month. And I’d venture a guess that you feel the same way I do when it comes to staying within your budget. You’re tired. You’re frustrated. And you’re ready to give up.   At the beginning of the month, a budget sounds like a great idea. “This month I’ll really make“Top 3 Reasons your Budget is Broke”

Continue reading

Open post best free workout videos

Budget Fitness: Best Free Workout Videos

With the holidays here, money is tight. It seems like I’m always forgetting to budget for something: extra money in the grocery budget for holiday dinners and get-togethers is my biggest downfall this year. And with tight budgets, it’s tough to justify spending money on a gym membership. Health is important and definitely deserves a spot on your monthly budget. But if you just can’t swing it (like me), don’t worry. There is a way“Budget Fitness: Best Free Workout Videos”

Continue reading

Open post quick and easy lunch ideas

Quick & Easy Budget Lunch Ideas for Work

When you’re on a budget, you eat a lot of sandwiches. Or – at least – we do in my family. They’re cheap and quick which is great when you’re running short on time and money. But I’m tired of eating sandwiches.  There – I said it.  I’ve been eating sandwiches for lunch for months because it’s quick and easy, and I can make them low-calorie to fit in my overall healthy lifestyle. I’ve had“Quick & Easy Budget Lunch Ideas for Work”

Continue reading

Open post debt free weight loss

How My Debt-Free Journey Led to a 30 lb Weight Loss

Mr. Marvelous and I are on this “Dave Ramsey” plan to pay off our credit cards.  Our ultimate goal is to become debt free, including student loans, car payments, our mortgage, etc – but that’s very overwhelming so we’re focusing right now on our credit cards.  They have the highest interest rates (and the lowest balances compares to our student loans and car loans), so we started with them first. Last year we cut up“How My Debt-Free Journey Led to a 30 lb Weight Loss”

Continue reading

Open post free lego magazine

Freebie: Lego Magazine

Love Legos? Yeah, we do, too. That’s why I was so excited to come across this offer for a *free* subscription to Lego Magazine from the Lego Club. It isn’t often that something is free, with no strings attached. But this is! Why Lego Magazine? Kids love to get mail. Every time my daughter gets something addressed to her in the mailbox, she is to-the-moon excited. It’s educational fun – and fully illustrated. It’ll grab“Freebie: Lego Magazine”

Continue reading

Open post best DIY makeup remover

Save Money: Best DIY Makeup Remover (it’s easy!)

Makeup remover is an essential part of my beauty routine. It’s the only way to really get rid of the dreaded “racoon eyes” in the morning from those left-over bits of mascara and eyeliner. The trouble is that it’s something I spend a small fortune on each year. You, too? So I set out to find the best DIY makeup remover. With contacts, I’m always super careful with what I put on my eyes. I“Save Money: Best DIY Makeup Remover (it’s easy!)”

Continue reading

Open post work at home for moms

Make Money with Makeup: Part 2

We’re back to Monday. Today I’d like to continue our conversation from last week with Danielle about making money with makeup. Last week we talked about what Younique is and the quality of the products. To be honest, I hadn’t heard of it until she presented it to me – and I’m so glad she did! It’s an amazing company and the products are so good for my skin. Today the interview continues with Danielle“Make Money with Makeup: Part 2”

Continue reading

Open post work at home for moms

Make Money with Makeup: Part 1

It’s another week and you’re still at work. Days like today make me think of ways I can make money from the comfort of my own home. Who likes getting up and going into work so early every day? Not me. Don’t we all dream of working from home? Whether it’s our main focus or a business we build on the side, doing business outside of the four walls of the office has a certain“Make Money with Makeup: Part 1”

Continue reading

Open post how to survive back to school

How to Survive the First Week Back to School

As a working mom, the first week back to school is always stressful. Probably we could make it easy and hit up takeout a few nights, but when you’re watching your spending… well… that just isn’t an option. With tonight being Girl Marvelous’ open house, I know the start of school is near and I’m dreading it. Normally I look forward to meeting her teacher and seeing her excitement as she checks out the new“How to Survive the First Week Back to School”

Continue reading