If you are like me, you are making ends meet by living frugally, couponing, and saving a little for a rainy day. But what do you do to pay off debts or make a little extra cash for a special trip or upcoming expense? I like to make a little extra money on the side […]
I have a confession to make: I am a terrible saver. I can plan ahead financially, make budgets, think twice about expenses, and try to exercise some self-discipline, but I am bad at saving. I can cut expenses, lower my bills, and coupon with the best of them, but if I have the money sitting […]
Groceries are a necessity. Indeed, no one is really interested in trimming their grocery budget. Yet I often walked out of the grocery store after spending over a hundred dollars (again) and my heart sank. Yes, I need to feed myself and my husband, but what can I do about making this a much more […]
By now you have read Part I: Making a Budget and Part II: Balance Your Checkbook, but what if you are coming up short? What if your means don’t quite get you to your ends? Then you have to make some cutbacks. Look at your budget and look for where you can trim the fat. […]
Yes, I still use my checkbook register. And guess what, I have never overdrawn my account (*as i pat myself on the back*). So here’s my second tip for making due with what you have…balance your checkbook! With the advent of online banking many people have decided that it is not worth their time and […]
So, when trying to make due with what you’ve got, how do you even know what you’ve got? Enter, THE BUDGET! Yes, the idea of a budget may bring up some scary ideas or even make people cringe. But it’s actually liberating for me. Why? Because I don’t have to worry about whether or not […]