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! …

Best Finance books to boost your Money Mindset

Best Finance books to boost your Money Mindset

When you really want to dive into finance, what do you do? You read about it! Sure you might do some Googling, but nothing’s like reading a book with all the information. If its a really good book your bookmarking somethings to go back to it. As I’ve tried to educate myself I’ve read several …

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 …

Secret tips to save money on your monthly bills

Secret tips to save money on your monthly bills

The routine every month is that you get paid, you budget, and then comes the paying the bills part. It’s hard to think that if you pay your bills every month that you can be wasting money. I mean, your being responsible right. The reality is that you could just be overpaying on your monthly …

The Best Way to Pay your Bills on Time Every Month

The Best Way to Pay your Bills on Time Every Month

Bills, Bills, Bills So you got a ton of bills? Nowadays, who doesn’t!  With every subscription comes a sacrifice. Poor wallet, your diet is looking pretty slim And there are those bills you need to live on like, a mortgage, utilities. The necessary bills, pretty much everything ending in the word “insurance”. Let’s not forget …

Techniques for having your bills Paid a Month in Advance

Techniques for having your bills Paid a Month in Advance

There is a Learner to Teacher experience during writing topics about saving money on bills.  Luck fully I’ve experienced most of the things I’ve written about, and then, in turn, it changes me. One of the topics I’ve been most excited to make changes to was the handling of my “Bills.”  I’ve looked forward to …

Ultimate Financial Resource for Baby Planning

The news is in, your going to be a parent! This can be both exciting and a little scary. Scary because there is a lot of unknown, especially as a new parent you are overwhelmed with information. I wanted to write this article because I too was scared as a new parent. I didn’t have …

The habits of the rich to help you save money

The Habits of the Rich to help you save money

It might be easy to be hypnotized by the lifestyle of the rich. There are plenty media of them in lavish cars and living in large scale homes. Why it could be all too true if we admit to having those same dreams. Quite honestly, to see the words “Rich”, Famous and Wealth are like …

How to use the 50/30/20 rule in your budget

What is the 50/30/20 budgeting rule of thumb anyway? And more importantly, How can I try this right now?! The 50/30/20 budgeting technique is one of many giving you an outline to divide up your expenses by percentages. I’ve also discussed my personal method of budgeting (30/30/25/15) which is similar as it is percent based …

How to use the Zero-based budgeting method

When you think of the words zero-based what is most noticeable mention is the word “zero”. Thinking of something being zero in the mind of a saver can create that big question mark above your head. “Is this the best way to manage my money?” First, you would need to understand what is zero-based budgeting …

How much should you REALLY be saving every month?

I’ll give you the straight answer for this and its simply at least 20% of your income. Now, why should you continue to read this? Gotta another answer for ya!: “There is the knowledge of what to do and then there’s the doing”. Most of the time we already know the answer but we need …

Purchases to avoid when you are on a tight budget

We are discussing what purchases to avoid when you are on a tight budget. I’m going to list just a few of them. There are a ton of purchases you can avoid but these made my list solely because I’ve purchased all of them. The best teachers give lessons from experience. I’ve chosen to teach …