In case you have been living under a rock, or just have your fingers stuck in your ears, federal student loans will resume accruing interest and requiring payment later this year, possibly by August 29, 2023. Technically, payments will resume 60 days after the Supreme Court rules on President Biden’s Student Loan Forgiveness Plan or […]
Like you, I usually set resolutions or goals every January that end up forgotten or abandoned by March. Sometimes I do actually end up achieving some things on those lists, but how? Which goals actually get met and which ones don’t? Goals that get tracked and/or become a habit are the ones that get met. […]
This is a sponsored post from Alex Bergen and MoversBoost. Thanks for supporting Frugal Working Mom! Decluttering can be an intimidating task, especially if you have a lot of items to sort through. And when you have a family, whoooaaaa nelly! It can be hard to know where to begin, and it can be difficult […]
You may be wondering, like I am, whether it is wisest to pay on my temporarily paused federal student loans or if it’s best to pay extra on my credit cards. Both can end up growing into a mountain of extra debt thanks to accrued interest. If you are in the enviable position to have […]
A budget can come in all kinds of shapes and sizes, can be simple or complicated, can be restrictive or expansive. But one thing that all budgets have in common is that, at their core, they are a plan for your money. Full stop. That is their purpose for existing. And they only work when their user approaches them with that idea of their utility.
Frugality is not about being cheap. It’s about being economical and simple. Conserving your limited resources and living simply, not extravagantly. It’s a very lagom way of living (as the Swedes say), not too much, not too little . Frugal living is intentional spending to align with your financial goals and happily living with less.
The issue is not that the money is spent quickly, its that when money isn’t allocated to cover your life’s expenses it can disappear without making sure those expenses are met. Alternatively, you may find that you have enough money to cover all your expenses each month and no bills are being skimped on but your stress level is still through the roof because although you cross the finish line each month you aren’t sure how you got there and each month brings a new race to worry about.
2021 saw me starting on my decluttering and simplifying journey. I started examining my budget, routines, time use, and stuff (oh so much stuff) to see what needed to go, what needed a change, and what I needed more of. I realized that I needed less stress, more time with my family, more time for exercise and self care, slow down, and to let go of things I had been holding onto that I didn’t need to keep carrying around.
You work too hard to be this broke.
Well now I’m back…from outerspace it seems. Life has sure gotten busy and took my attention far from my blog. But here I am to tell you all what’s going on with me and what to expect to see here moving forward. In March 2020 our whole world changed. Yes, we all went into quarantine […]