Many people who don't budget still have a Christmas savings plan. They know that Christmas can get expensive with all the gift giving and they diligently put away $50/month into their Christmas savings account. While I applaud this effort and it's certainly better than doing nothing, many of those ... Read More about 18 Things That Are Destroying Your Christmas Budget
Save Money and Time by Lowering Your Standards
I remember reading a story about a young woman living on a family cattle ranch out west. Her grandmother had been living and working on the ranch all her life. The woman was curious about her grandmother's household chores and asked her how often she washed the wooden floors of the house. The ... Read More about Save Money and Time by Lowering Your Standards
Budget Tool Showdown: Mint vs Every Dollar vs YNAB
For many years, my husband and I budgeted with a homemade spreadsheet, some cash envelopes, and a bunch of savings accounts. I knew I had a clunky budget system, but I didn't know of any viable alternatives. Are you having trouble making your budget work in real life too? For the last few ... Read More about Budget Tool Showdown: Mint vs Every Dollar vs YNAB
How to Get FREE Babysitting With a Babysitting Co-op
When my kids were little, another mom and I started swapping babysitting for date nights. We could have some dates with our husbands and wouldn't have to spend a dime on babysitting! It seemed like a great solution and it worked really well for a few months... but it wasn't perfect. Sometimes I ... Read More about How to Get FREE Babysitting With a Babysitting Co-op
5 reasons I Love Being Debt-Free
I've heard the arguments why living debt-free isn't a good goal. It's better to leverage the bank's money or we could earn great credit card rewards or we could beat the returns of paying off low-interest debt by investing that money instead. I do see the merit in those arguments from an ... Read More about 5 reasons I Love Being Debt-Free