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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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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”

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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”

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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”

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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”

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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”

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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”

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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”

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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”

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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!)”

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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”

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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”

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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”

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Surviving the Guilt of Summer as a Working Mom

Every summer it starts.  The guilt of going to work every day and taking Girl Marvelous to daycare.  Oh, how I wish I could stay home and play with her! I was blessed to stay home with her full-time for the first year and a half after she was born. As thankful as I am to have had that opportunity, it also made me realize that I’m not the “stay at home mom” type. Though“Surviving the Guilt of Summer as a Working Mom”

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Save Summer with these Top 5 Summer Activities for Kids

Can you believe summer is half over? I know, I don’t want to believe it either. I wish the summer months would go on and on and… But before summer is over and the kids head back to school, here are some must-do budget friendly activities to get the most out of summer vacation. Neighborhood bike parade (parents.com) – Kids love the freedom that comes with being able to ride their bike. Celebrate that by“Save Summer with these Top 5 Summer Activities for Kids”

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Break Away from Bottled Water in 3 Easy Steps

There are many reasons to stop buying bottled water. Most of the arguments against it center around the environment. While I agree that is important, it isn’t what fueled my decision. My recent choice to stop buying bottled water is purely selfish. But breaking away is hard – so how do you kick the bottled water habit? Yes, saving money is important. The trouble is, bottled water is so convenient! I don’t have to think“Break Away from Bottled Water in 3 Easy Steps”

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How to Make a Cheap Camping Kit

As a kid, my family and I went on numerous camping trips.  In hindsight, it was a great source of free family fun (since we camped at a relatives wooded property up north). But the first time I went camping as an adult I learned a hard lesson: camping as an adult is a lot more work than camping as a kid! Mr. Marvelous, Girl Marvelous, and I went camping last month with our church.“How to Make a Cheap Camping Kit”

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How To Get Your Kids to Read This Summer for FREE

Summer is coming. And for many women that makes the struggle between balancing a career and life at home that much harder. This is especially true if you have kids. How do you keep your child engaged in learning through the long, hot, relaxing days of summer? And how do you do that in between your career and other responsibilities?   And doing that while sticking to your budget? Impossible. Or is it? Even if“How To Get Your Kids to Read This Summer for FREE”

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