How To Calculate Your Federal Student Loan Payment


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 […]

April 28, 2023

5 Tips To Make Decluttering Easier


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 […]

December 23, 2022

Budget Isn’t a Bad Word


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.

October 3, 2022

The 6 Tenants of Frugal Living

frugal living, Uncategorized

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.

June 30, 2022

How To Figure Out What Your Life Actually Costs (And If You Can Afford It)

budget, Uncategorized

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.

June 21, 2022

10 Things I Decluttered in 2021 for a Simpler 2022

decluttering, frugal living

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.

March 21, 2022

Catching up on 2020 and 2021


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 […]

December 21, 2021