When trying to save money, one of the budget categories many people cut is food. After all, aside from a mortgage payment or rent, it’s probably one of the largest monthly expenses for most families.
As I mentioned in a previous post, my husband and I have been fortunate enough to keep working during COVID-19. But, many other people have been forced to stay home and have faced difficulties with their finances as a result.
With the onset of COVID-19, millions of people have suddenly found themselves out of work. While some people may have the ability to go back to work soon, others may not.
As far back as I can remember my mom has always had more than one job at a time. Usually she had a full-time day job and a second job cleaning office buildings in the evening.
One thing I’ve learned over the years is that staying on top of your finances isn’t something that’s done only in January or before Christmas. Instead, you must diligently watch over your finances at all times if you want to stick to a budget and not overspend.
My last post was about how you can save on new clothing for the whole family. But sometimes you just can’t afford to buy new. Fortunately, you don’t have to sacrifice style simply because you can’t afford to buy brand new clothes. There are ways to look good and save on used clothing at the […]
They say nothing last forever, and that’s certainly true when it comes to clothing. At least, that’s been my experience. My favorite wardrobe items always wear out first simply because I wear them the most. Over time they become thin and threadbare from frequent wear and washings. I’m sure the same is probably true for […]
In just a few days, we begin a new year. For many it’s a time of creating fresh New Year’s resolutions – or renewing old ones. Of course, popular goals like weight loss, debt payoff, and other life improvements are certainly worthy of consideration. But another goal you might think about is to get a […]
One of the things I dread about winter time is the increase in our utility bills. When the energy bill comes in our mail each month, I almost cringe at how much we’re paying. It seems like the cost to heat our home has gone up drastically in the past few years. At the same […]
Whether you work from home, like I do, or go to a traditional job each day, saving time is important. In fact, in many situations, when you save time, you save money by default. For instance, when short on time at home, you may eat fast food or premade convenience foods. The cost of either […]
The holidays are coming up fast, which means extra expenses for food, decorations, and gifts. Obviously, planning ahead is the best way to make sure you have enough money for everything. Start your gift list in January and your holiday budget as well. Both can be adjusted as needed throughout the year. At the same […]
Did you know that having the winter blues is a real thing? It’s called seasonal affective disorder, or SAD, and getting more sunshine can help. Although SAD doesn’t affect everyone, many people say they get the blahs when the thermometer dips during winter. As a result, some people turn to shopping, eating out, and other […]
Not long ago, I took a girls trip with my good friends. One of them had a birthday, which was the main reason for the trip. We had a great time, but part of the time we were gone was during the week when I’m usually working. For some people, being gone during a work […]
One of the common tactics of sticking to a tight budget is tracking your spending. It’s a great way to get a good look at what you’re actually spending. If you notice that your spending is getting out of whack, you can make changes to get back on track. That way you won’t go over […]
When you have debt, specifically credit card debt, you’re likely paying high interest. Obviously that’s not a secret because it’s how credit card companies make their money. If you’re trying to pay off debt, however, that’s some of the first debt you should try to pay off. Once again, not a secret since paying high […]
You may recall, from other posts I’ve written, that my daughter moved a little over a year ago. When I go to visit her, I usually end up working as well as helping her with home improvement projects. As I write this, I’m on a “girlfriends” trip to Nevada/California for a close friend’s birthday. I […]
Summer is pretty much over. Sadly, that means kids everywhere are either already back to school, or they’ll be going back soon. If you have kids, that may be good news to you in some respects. Your childcare expenses may decrease and you won’t have bored kids anymore. At the same time, paying for school […]
Just about everyone who budgets makes mistakes from time to time. If anyone disagrees, they’re either fibbing, or they simply haven’t made that first mistake yet. But I promise that eventually, it will happen. For example, when my husband and I were first married, we accidently entered one of our paychecks twice. I’m sure you […]
Lately I’ve been feeling the itch to work on some of my hobbies. One is painting and decorating either my own home or the homes of family and friends. Another one of my hobbies is sewing and quilting. I love to make little crafty things, like Kleenex pouches for your purse, coin purses, bags, and […]
When your debt has taken over, no doubt you’re trying to eliminate as many extra expenses as possible. That usually entails cutting your budget to the bone and using every bit of extra money to pay down debt. Still, if you have sizable debt, it’s hard to do that month after month with no end […]