10 Steps to saving $10,000 in a year! The Fastest Way

What is impossible becomes possible when you take the first step. Is it possible to save $10,000, yes! There is $10,000 out there, and it just takes will, discipline and motivation. Put all those three in a blender, and that would be the healthiest drink you can take in the morning.  I believe after reading …

How to use the envelope system without cash

Try the cashless budgeting envelope technique! You can budget the cash envelope system without cash! Yes, you heard me, cashless. I wanted to dive into this method because not alot of people like to withdraw cash. There are many reasons why some people prefer not to draw out cash. One, not being able to get …

Saving Money Tips for Thanksgiving

Saving Money for Thanksgiving 2020 Quick Guide for smart Thanksgiving shopping strategy Picture this, Thanksgiving 2019 Pre Covid. I had hosted one of my largest Thanksgiving dinners with 8 people in attendance. The biggest take away was that I spent $400 on Food! Trust me, I know it’s more than the money that counts; it’s …

Best Money-Saving Tips for Online shopping

Save more money shopping online made easy! 12 Tips you can use as a Guide for Online Shopping Who isn’t online shopping nowadays? Even before the pandemic, there was a constant increase in online sales. The attractiveness of online shopping is the convenience. You can easily order something at 3 am or right before bed …

Sinking funds categories you MUST have in your Budget

Living Frugal tips from someone that hates spending money

So why do I hate spending money? Let me correct that I hate spending money that does not serve a purpose? Meaning wasting money is a No-No for me. Now don’t get me wrong, I’ve definitely wasted money especially if something is on SALE. I’m begging you, don’t let me go into that store, please! …

Sinking funds categories you MUST have in your Budget

Sinking funds categories you MUST have in your Budget

After budgeting throughout the year I would notice irregularities in Bill’s that would pop up. Have you ever been non prepared to pay for a tax bill? Or an unexpected expense? I know I have! It’s not like I didn’t know that I would have needed to pay it, it just wasn’t on my radar …

how to start the cash envelope system

How to start a cash envelope system

Starting a budget when you have failed at saving so many times seems impossible. When I first discovered the cash envelope system my thoughts were, this is challenging. Little did I know the challenge is what I needed. Thinking about the steps it actually sounds pretty simple, you draw out cash and put them into …

Master your Negotiation skills to lower your Bills

Do you want to get your monthly bills lowered by speaking to someone over the phone? Getting your bill lowered can be as easy as a conversation. It’s not as nerve-wracking as it seems. I would never call about my bills because I didn’t want to be disappointed with the outcome. All the tips I’m …