Living A Frugal Life http://www.livingafrugallife.com Money Saving Tips|Family Budget|DIY Projects Thu, 02 Jul 2015 14:47:54 +0000 en-US hourly 1 http://wordpress.org/?v=4.2.2 5 Things You Should Buy so You Can Save Later http://www.livingafrugallife.com/5-things-to-spend-money-on-so-you-save-later/ http://www.livingafrugallife.com/5-things-to-spend-money-on-so-you-save-later/#comments Thu, 02 Jul 2015 14:47:54 +0000 http://www.thesassysaver.net/?p=9345 Saving money isn’t always about saving.  Sometimes you have to spend money to save it.  This was a hard concept for me to understand for a while.  I am not a spender.  My husband struggled to get me to spend money even when it was needed.  I am a saver and I hate spending money, but […]

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Buy these 5 things now so you can save hundreds later!

Saving money isn’t always about saving.  Sometimes you have to spend money to save it.  This was a hard concept for me to understand for a while.  I am not a spender.  My husband struggled to get me to spend money even when it was needed.  I am a saver and I hate spending money, but he is helping me to understand why it can be important sometimes.

There are a few things that you will want to spend money on as an investment so that you will save later.  Some of these things could be a bit more expensive at first, but they save you so much more than you spend so it is worth it.

5 things to spend money on so you save money later

  1. Water Heater Blanket – Most cost around $50 at your local hardware store.  Install it yourself and that is it!  It helps your water heater to hold the heat in so it doesn’t run as much.  This is especially important if your water heater is outside.
  2. Water Saving Shower Heads and Toilet – cost will depend on how many of these you have in your home, but the pay back happens within a few months.  There is a way you can make your toilet a water saving toilet without the cost.  Simply put a brick or a milk jug full of water in the tank.
  3. CFL’s – Switching over all you light bulbs will cost you around $70 and will save you much more than that in a year.  They last longer than regular bulbs but do tend to be a bit less bright, so make sure you have what you need light wise as well.
  4. Cloth Diapers – while they cost more upfront this is one of the things that will save you the most.  A full set of cloth diapers costs anywhere from $150-$500, but will save you thousands per child.
  5. Wholesale Club Memberships – these usually cost you about $50 a year and will save you hundreds to thousands each year.  These places usually have the best price on milk, cheese, eggs, and baking supplies.

What do you spend money on now so you invest in savings later?

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10 Budget Friendly Vacation Ideas http://www.livingafrugallife.com/10-budget-friendly-vacation-ideas/ http://www.livingafrugallife.com/10-budget-friendly-vacation-ideas/#respond Tue, 23 Jun 2015 14:09:00 +0000 http://www.livingafrugallife.com/?p=29517 One of the hardest parts of living on a tight budget is that you don’t get to do many things for fun.  It can be done, but you have to really focus on budget friendly vacation ideas and try to find free things to do as well.  Having fun is an important part of making […]

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One of the hardest parts of living on a tight budget is that you don’t get to do many things for fun.  It can be done, but you have to really focus on budget friendly vacation ideas and try to find free things to do as well.  Having fun is an important part of making it through the tight budgeting times so you stay sane through the process.

Budget Friendly Vacation Ideas to help you have fun without breaking the bank

 

Are you looking for a budget friendly vacation idea, but don’t know where to start? Planning a vacation should be fun and exciting, which is where these 10 budget friendly vacation ideas come into play.

Budget Friendly Vacation Ideas

#1.Head to the Beach

If you live anywhere near the beach, this is the perfect budget friendly vacation idea.

#2. Go Camping

Take your family camping for a few nights to save on money and sanity. Getting away from those electronics is good for the soul.

#3. Visit a Local Aquarium

Stay the night in a local hotel and head to a local aquarium. Going on vacation doesn’t mean you have to travel incredibly far!

#4. Head to the Lake

Don’t live near the beach? A lake has the water and a beach, so enjoy spending some time there for a budget friendly vacation this year.

#5. Go On the Off Season

No matter where you’re looking at heading on vacation this year, always go on the off season because you are bound to save more money that way.

#6. Water Park

Water parks are a ton of fun, so this makes a very frugal and budget friendly vacation idea for your family this year.

#7. Keep Your Travel Radius Low

When you decide on a vacation spot, try to decide on a destination that isn’t too far away from home.

#8. Theme Park

If you live local to a theme park, then consider this for a budget friendly vacation. You can save money on travel and more money at the theme park.

#9. Visit State Parks

Most states have a ton of state parks for your enjoyment. Spend a week traveling to each state park to enjoy hiking, fishing, and whatever else nature has to offer.

#10. Visit Local Only

There may be a ton of local attractions that await you right in your own hometown. Take some time to find out what exists in your town locally and start enjoying a very budget friendly vacation.

 

 

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7 Ways to Save Money on Cologne
 http://www.livingafrugallife.com/7-ways-to-save-money-on-cologne%e2%80%a8/ http://www.livingafrugallife.com/7-ways-to-save-money-on-cologne%e2%80%a8/#respond Tue, 16 Jun 2015 14:26:33 +0000 http://www.livingafrugallife.com/?p=36010 With Father’s Day quickly approaching, you might be looking for some smart ways to spoil Dad for less. Cologne is always a thoughtful and practical choice, and with the 7 ways to save money on cologne tips below, you can get more cologne bang for your buck. If you Dad appreciate cologne, take a look […]

7 Ways to Save Money on Cologne
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With Father’s Day quickly approaching, you might be looking for some smart ways to spoil Dad for less. Cologne is always a thoughtful and practical choice, and with the 7 ways to save money on cologne tips below, you can get more cologne bang for your buck. If you Dad appreciate cologne, take a look at these helpful tips and see how easy it can be to save money on cologne during the Father’s Day season and the rest of the year for that matter.

7 simple tips to help you save money on cologne for the man in your life!

1. Buy gift sets.
Pre packaged gift sets are often a smart choice because they include the product but some fun extras such as aftershave and deodorant as well. They are typically a special buy, and include product that is higher in value than the retail price. During the Father’s Day season, you will see a ton of gift set offers you can take advantage of.

2. Opt for drugstore deals.
Many drugstores now carry cologne varieties that use to just be offered at department stores. They typically offer a smaller variety, but you can still find high end names at a great price. Check out your local drugstore for their cologne selection and see if anything appeals to you.

3. Buy online.
There are many reliable online retailers that offer cologne at a fraction of the cost. Many also offer express or free shipping during holidays such as Father’s Day. Check out online retailers such as Drugstore.com, Amazon.com, or Frangrances.com to find what you need for less.

4. Opt for dark bottles.
When light enters a bottle of cologne, it can cause the fragrance to become dull. Heat that enters the bottle can even lead to evaporation. Purchase cologne that is sold in dark bottles as opposed to clear glass, as the tint will help protect the product better.

5. Talk to your salesperson.
When shopping in department stores, it is always wise to chat with your salesperson to see what deals they can make you. They may be able to offer a free gift with purchase, a discount if you use your store credit card, or some other deal. It never hurts to be friendly and ask.

6. Don’t forget T.J. Maxx, Marshall’s.
Stores such as these offer name brand, high end products for so much less than department stores. Inventory is always changing, so it is smart to check often and see what be available. Chances are you will find all sorts of cologne products for men.

7. Price match!
With so many retailers offering sales on cologne during the Father’s Day season, don’t be afraid to price match. Walmart and Target both price match, and both offer men’s cologne products. This not only saves you time, but gas as well. Never be afraid to price match and get a better deal.

See how simple it can be to save money on cologne this Father’s Day season? Give these tips a try and see how much you can save.

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Celebrate the Central Valley with McFarland USA http://www.livingafrugallife.com/celebrating-central-valley-mcfarland-usa/ http://www.livingafrugallife.com/celebrating-central-valley-mcfarland-usa/#comments Tue, 02 Jun 2015 15:13:25 +0000 http://www.livingafrugallife.com/?p=36000 My family has been in the Fresno CA area for over 15 years.  Until I found out about the release of Disney’s McFarland USA, I never had any idea something so amazing happened in the central valley! I was 15 when my family moved to CA and found ourselves living in Clovis.  I attended a […]

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My family has been in the Fresno CA area for over 15 years.  Until I found out about the release of Disney’s McFarland USA, I never had any idea something so amazing happened in the central valley!

I was 15 when my family moved to CA and found ourselves living in Clovis.  I attended a local high school and loved the small town atmosphere.  In Mcfarland this same small town feel sets the stage for an amazing story to take place.  A short distance form where I lived, a group of young runners overcame all odds and showed their great spirit.

Celebrate the Central Valley with McFarland USA

I must pause to confess that I have never visited McFarland.  But I have driven through it quite a bit.  It is a farm town.  It is VERY small and full of farmers.  Not a town that you would expect a movie to be made about.  Mcfarland USA It really shows the determination and dive of these kids as they were out working hard to be in school and work in the fields. It is a great way to inspire your kids and celebrate the central valley.

Think my favorite part about this movie is the fact that it is clean.  It is something I can watch with my 8 year old and enjoy it together.  There are so may movies that I can’t do that with.  I love that Disney gave us a movie to share with the family.

Even though it is rated PG, there are a couple scenes that you may need to explain to your child.  There is a little bit of violence and aggression that may take some talking about for some kids.  There is a knife fight, possible attempted suicide, aggression from a father, and a few fist fights.  These things are not deal breakers for my son, but you may want to have a talk with them before or after you watch it to be sure they understand why those things happened.

Over all I loved this movie.  It is a clean family movie which don’t happen often and I don’t think get the attention a lot of them deserve.  I hope Disney continues to make movies like this, movies the whole family can enjoy together.

Be sure to check out more family movie ideas and other movie reviews.

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Things to do in Fresno CA: Staycation Ideas http://www.livingafrugallife.com/things-to-do-in-fresno-ca/ http://www.livingafrugallife.com/things-to-do-in-fresno-ca/#comments Mon, 18 May 2015 20:12:42 +0000 http://www.livingafrugallife.com/?p=29547 Fresno is a great place to live but also hard to find things to do in Fresno CA because of all the agriculture.  I have found as I have started to look outside my neighborhood that there is actually a lot to do and a lot of places and activities!   It is sometimes hard to […]

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Check out this list of things to do in Fresno CA!  There are ideas for families, individuals, outside and inside!

Fresno is a great place to live but also hard to find things to do in Fresno CA because of all the agriculture.  I have found as I have started to look outside my neighborhood that there is actually a lot to do and a lot of places and activities!   It is sometimes hard to find things to do that everyone loves, but there is no shortage of activities and culture.

This year we are not traveling much due to the fact that we are working hard on paying down our debt.  So I put together a huge list of things to do in Fresno Ca so we could try out all of these this summer on our staycation!  I am excited to share some of the culture of Fresno with my kids and to have some new date ideas!

Arts and Culture in Fresno

Arts Alive Art Festival – 

June 22 from 10am – 3pm.  also includes a fun run at 7am

Tower District – 

There are many ways to experience the tower district

Forestiere Underground Gardens

Fresno Met Art museum

Shizen Japanese Garden

Roger Rocka’s Dinner Theater

Meux Home Museum

Arte Americas

Kearney Mansion Museum

Fresno Mystery Dinner Theater

Shakespeare in the park

Saroyan Theater

Fresno Art Museum

Things To Do In Fresno Ca For the kids

Children’s Museum of the Sierras – 

In Oakhurst CA just a short drive up the hills from fresno there is a

Discovery center

Fossil Discovery Center

Located just north of Madera, it is about a 45 minute drive from Fresno

Family Fun Ideas

Zoo

Library

Movies in the Park at Eaton Mall

From June 21 – August 15, 2015

Sky walk

wild water

island

Oh Wow Nickel Arcade

Bowling

Gateway Ice center

hanford ice cream on train

Outdoor Fun in the Fresno Ca Area

Yosemite

woodward park

Chuckchansi Park

Kings River Expeditions – white water rafting

 Clovis farmers market – Friday nights
U-pick Cherry Picking at Mountain Brook Ranch
What other ideas do you have?
If you are not from Fresno or traveling to another area of the country, be sure to check out these other city list ideas of things to do!

A – D

Phoenix, Arizona — Saving For Someday
Fresno, California — Living A Frugal Life
Orange County, California — More With Less Today
San Diego, California — Southern Cali Saver
Denver, Colorado — Bargain Blessings
Washington, District of Columbia — Kidventurous

F – I

Disney World, Florida — The Happy Housewife
Jacksonville, Florida — Saving The Family Money
Orlando, Florida — Coupon Mamacita
St Augustine, Florida — Simply St. Augustine
Tallahasse, Florida — SwagGrabber
Tampa Bay, Florida — LaToyaEdwards.net
Atlanta, Georgia — Pretty Frugal Diva
Dahlonega, Georgia — Kathys Cluttered Mind
Savannah, Georgia — This Mommy Saves Money
Aurora/Chicago, Illinois — A Savings WOW!
Chicago, Illinois — Entertaining Chicago
Indianapolis, Indiana — Chaos Is Bliss

K – P

Lexington, Kentucky — Homeschool Village
Louisville, Kentucky — The Kennedy Adventures
Northern Kentucky, Kentucky — Simply Sherryl
Carroll County, Maryland — Looking at life CreativLEI
Boston, Massachusetts — Maven of Savin
Battle Creek, Michigan — Pichea Place
Grand Rapids, Michigan — Give Me Neither
Metro Detroit, Michigan — Saving Dollars and Sense
Kansas City Area, Missouri/Kansas — Redefined Mom
Omaha, Nebraska — Family Fun in Omaha
Central, New Jersey — Our Good Life
Cincinnati, Ohio — Adventure Mom
Cleveland, Ohio — Kosher on a Budget
Columbus, Ohio — Cleverly Simple
Dayton, Ohio — Savings Lifestyle
Mansfield & Richland County, Ohio — The Traveling Praters
Miami County, Ohio — Something 2 Offer
Northeast, Ohio — Sisters Shopping on a Shoestring
Portland, Oregon — Frugal Living NW
Harrisburg/Central, PA — Family Balance Sheet
Erie, Pennsylvania — Growing Kids Ministry
Philadelphia, Pennsylvania — Moms Need To Know
Pittsburgh, Pennsylvania — The Coupon High

R – W

Arlington, Texas — Grocery Shop For FREE
Fort Worth, Texas — Coupons and Freebies Mom
Houston, Texas — Melissa’s Bargains
Katy, Texas — Moms Confession
San Antonio, Texas — How to Homeschool My Child
Tyler, Texas — iLoveMy5Kids
Charlottesville, Virgina — How to Have it All
Norfolk, Virgina — The Talking Suitcase
Richmond, Virgina — Vacation Maybe
Seattle, Washington — Thrifty NW Mom
Tacoma/South Puget Sound, Washington — Queen Bee Coupons
Oshkosh, Wisconsin — A Little Bit of This and That

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How to Teach Kids to Save Money In 1 Simple Step http://www.livingafrugallife.com/how-to-teach-kids-to-save-money-in-1-simple-step/ http://www.livingafrugallife.com/how-to-teach-kids-to-save-money-in-1-simple-step/#comments Mon, 11 May 2015 21:38:43 +0000 http://www.livingafrugallife.com/?p=29533 This shop has been compensated by Collective Bias, Inc. and its advertiser. All opinions are mine alone. #iamprotective #CollectiveBias When you have your first child, no one hands you a handbook on how to teach kids to save money.  They also don’t hand you one on potty training or anything else for that matter.  I […]

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This shop has been compensated by Collective Bias, Inc. and its advertiser. All opinions are mine alone. #iamprotective #CollectiveBias

How To Teach Kids To Save Money with 1 simple step that will change your families life forever!

When you have your first child, no one hands you a handbook on how to teach kids to save money.  They also don’t hand you one on potty training or anything else for that matter.  I think the biggest reason they can’t do that is because there is no right answer for any one thing.

Each kid needs a little different way of talking to them, a little different approach to helping them to understand a concept.  It is the same with saving money.  But I have found that there is one concept that will always work but the way you apply it changes.

We have always struggled with giving our kids money.  We knew these 5 tips for teaching kids about money, but we needed something that would work for all of them equally.  I mean, when do you give them money?  How much do you give them?  What do you have them buy?  There are a million questions that need to be answered.

I saw an article on teaching children how to save money and decided we needed a change.  So after having a really good talk with my husband, who remember is a spender, we decided to do this one thing.  We would have our children work for money.

How working for money helps kids to save

By deciding that we would have them work for money, it opened up all kinds of opportunities and conversations with our kids. We were able to help them understand the value of work, the value of saving and the value of buying things for themselves.

We decided to have some non-paid jobs and to pay our kids for other jobs.  This way they learn to work to care for the basic needs and to work for the money they need for other items.

We also decided to have them pay for their own toys or other items rather than us.  We, of course, pay for their basic needs.  We buy them food, clothing, household items, things like that.  But if they want toys or extras other then for gifts, they have to save and pay for it themselves.

Many people think our method is drastic, but it has worked wonders for our kids in understanding the power of working for what you want, saving your money and having pride in the things you buy.  This has also helped us to be better managers of our money and not buy things to appease a child.  #dadalwaysgivesin #justsayin

How to teach kids to save money and work for what they have

We started this method with a family council.  We talked about how we are changing the way we were going to do things.  We asked for the kids feedback on jobs and what they would be asked to do.

Paid Job chart

We then took what they gave us and used a job chart that we used previously.  We did a makeover of the chart and took velcro dots and put part of the dot on the paid jobs.  We then took some cards that I used for homeschool but were no longer using and put the other side of the velcro on the card.  When one of our kids completes a job, they move it to a card and that is what we pay from.

Pay day

Each Monday we have a family night.  We sit down together and go over how many jobs each child has done and count out how much we owe them.  They are then formally paid for these jobs and we take them off the velcro pages and put them back on the chart.

Counting Money #iamprotective #Ad

We then have each child put aside 10% for tithing and we talk with them about if they are saving for anything and how much more they have to accomplish their goals.  This gives us a chance to talk with them and teach them individually about saving money in a way they understand with words and situations they relate to.

This is how we keep them motivated to keep working and keep saving.  This one change of giving out kids commission changed so much.  We don’t wonder how to teach kids to save money anymore.  We are doing it right along with them and teaching them naturally as we go.

Be sure to check out more information on teaching kids to save money!  Remember that no kid is the same so you may need a couple different approaches so all the kids learn!

How do you teach your kids to save money?

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Grow your own Green Onions http://www.livingafrugallife.com/grow-your-own-green-onions/ http://www.livingafrugallife.com/grow-your-own-green-onions/#respond Thu, 23 Apr 2015 15:16:20 +0000 http://www.livingafrugallife.com/?p=22298 Regrow Green Onions Did you know you can grow your own green onions using the bases you cut off when your cooking?? I have been using this to stretch our grocery budget a bit more so we don’t have to spend a lot on certain vegetables.  No garden space needed! This is the coolest thing […]

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Regrow Your Green Onions

Regrow Green Onions

Did you know you can grow your own green onions using the bases you cut off when your cooking?? I have been using this to stretch our grocery budget a bit more so we don’t have to spend a lot on certain vegetables.  No garden space needed!

This is the coolest thing ever.  You can cut off the roots and put them in water.  Then the roots will absorb the water and start to grow a new green onion.  It takes a good 2-3 weeks for the green onion to grow completely so you can use it again, but it grows a whole new one!!!

You can also plant the green onion roots in dirt and let them grow as well.  I actually planted mine after they started to sprout.  Then I planted other green onion seeds around it so I will always have green onions ready for me to use when we need them!

I reused out green onions about 4 times before the base got to big and I had to start over.  But the best part about these is that you don’t have to have a garden area to grow them!  We don’t have a large area to grow anything in.  The apt we have has no area to garden in and our back porch does not get much sun.  These types of growing activities are perfect for our space!

What other items do you re-grow? How many times do you grow them before they can’t be used again?

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DIY Freestanding Closet Shelf http://www.livingafrugallife.com/diy-freestanding-closet-shelf/ http://www.livingafrugallife.com/diy-freestanding-closet-shelf/#respond Tue, 14 Apr 2015 13:13:20 +0000 http://www.livingafrugallife.com/?p=26980   DIY Freestanding Closet Shelf When we found out we were expecting our fourth baby, I began to look at the kids room and try to figure out what we were going to do to be able to fit another body into the little room.  I quickly realized that we were not going to have […]

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DIY Closet Shelf

 

DIY Freestanding Closet Shelf

When we found out we were expecting our fourth baby, I began to look at the kids room and try to figure out what we were going to do to be able to fit another body into the little room.  I quickly realized that we were not going to have room for everyone and all their stuff.

So I began to search out my options.  I decided to redo the closet set up and to do that we needed an extra shelf on top of the one currently there.  As I searched, I realized that there was nothing out there that was just a single shelf.  so we decided to make it.

Closet Shelf Supplies

 

Step 1- Buy the wood you would like for your shelf.  There are lots of choices so you have to decide the type and length to get.  Cut the board into lengths needed for the length and height of your shelf.  Gather nails, screws, a drill, a level, wood glue,  and a hammer.

glue board

Step 2- Measure Leg Board on the shelf board to know how far in to put the brace then draw a line on the board to show where the brace needs to go.  Put wood glue on the brace board and line it up on the side of the line so you leave enough space for the leg to be attached

drill until secure

Step 3- Turn the board over and place it brace side down.  While keeping the board straight nail in a short nail to hold it straight until you put the screws in.  Drill holes and add 3 screws to hold it secure.
*repeat steps 2-3 again on the other side of the shelf.

glue on side

Step 4- Turn the board back over and put wood glue on the side of the brace board.  line up leg and nail a couple nails to hold it on.  Drill holes for screws. Add screws to make it secure.  At this point, you can remove the nails if you want or hammer them all the way in for added support.
*repeat this step on the other side

sand edges

Step 5- Sand all sides of the shelf and paint if you want it painted.

Now it is ready to be put on your shelf.  This has helped us a ton in giving us more space in our closet and room.

What ideas do you have for adding more space in your closet?

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March Income Report and April Budget http://www.livingafrugallife.com/march-income-report-and-april-budget/ http://www.livingafrugallife.com/march-income-report-and-april-budget/#comments Tue, 07 Apr 2015 21:58:05 +0000 http://www.livingafrugallife.com/?p=29388 We switched the budget just about every 3 days this month.  Most of the moving was due to the fact that I kept forgetting yearly and bi-yearly bills we have.  I didn’t realize just how much we spend each year on insurance.  I don’t think that is bad because we do need it, but I […]

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Monthly income report and monthly budget sharing so we can help eachother stay motivated and make the most of our money

We switched the budget just about every 3 days this month.  Most of the moving was due to the fact that I kept forgetting yearly and bi-yearly bills we have.  I didn’t realize just how much we spend each year on insurance.  I don’t think that is bad because we do need it, but I think we need to start doing some shopping around in the next couple months to be sure we have the best prices.

If you remember our budget plan for Feb we had a pretty good chunk to go toward our loans and it is slowly getting chipped away as we have implemented these bills into our budget.  I am not going to lie, this is extremely frustrating for me.  I have this crazy detest and anxiety when it comes to debt.  It is a huge stressor for me, so something like this only makes me feel like we are NEVER going to make it if we don’t have more money.

I know this is crazy!  I know we dug this whole and I don’t expect to pay it off tomorrow, although this would be nice, but sometimes it feels like we will NEVER get to the point of paying it off and having money to do what we want.  I also thought it would be way easier for me to live this tightly of a budget because we have done it for so long.  But after 10 years of living this way, I am starting to feel the stress of just not having money.

I am ready to have money to do what we want and because we made the choice to go into debt we can’t do it yet.  This is added stress on everything.  We are in discussion of what we can do to still pay loans but give us some relief from the stress to make it bearable.  I don’t know what we will end up with, but I think this is a need for us to make it.

Loan payment March 2015

Last month we paid a little less on loans then the last couple months.  We did this because of the changes in our budget, but we also did it because we are putting a little less of my income toward the loans.  We paid $4,803.01 total across the 5 loans.

As you can see we split up the payment into 2 groups this time.  We did this because we paid off our group B loan!!!!!!!  I am so excited to have 1 loan done!  It is a great relief, but at the same time, we are moving on to a loan that will take us at least a year to pay off.

When we made the payment, I realized that the entire thing went to paying interest on our loans.  a friend of mine told me about an article she read which said to pay the minimum payment and then call in and ask them to do a separate payment just on the principal amount.

I am still not sure if this will work, but I am going to try that next month to see if it works.  If it does, we should be able to pay off our loans faster, but it will mean more work for me and more to track to be sure it happens.

I also found out that if you sign up for automatic payments your interest rate will be lowered by .25% on each loan.  We are thinking about doing that if it works to do 2 payments in a month.  that way one payment will be off my plate and we will be able to get less interest which means less total paid.

I am still learning here and working out what works for us.  This is taking me much longer than I ever thought it would and I am finding myself even more frazzled than I was during school.  It is a bit annoying, but I keep telling myself that once we find what works it will all calm down and we will be much happier in the end.

April 2015 Budget

This month we are hoping our budget has hit a spot of solidifying for the most part.  I need to remember to get the cash envelopes funded so I am better at tracking my spending.  This has been a bit hard for me.

Here is the budget for this month:

A month budget for a family of 6.  This is a budget with as little spending as possible and as much paid on loans as possible to encourage paying off debt.

How is budgeting going for you?  What suggestions do you have for us in paying off our loans while saving our sanity?

March Income Report and April Budget is a post from Living A Frugal Life

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How to Plan for Future Income + Free Printable http://www.livingafrugallife.com/how-to-plan-for-future-income/ http://www.livingafrugallife.com/how-to-plan-for-future-income/#respond Mon, 23 Mar 2015 14:46:00 +0000 http://www.livingafrugallife.com/?p=29144   It’s easy to see those bills come in the mail and get a little panicky. I had that same feeling the first time our loans started coming up for payment.  Our deferment period was up and I knew that when we started to have more bills come in our future income had to increase […]

How to Plan for Future Income + Free Printable is a post from Living A Frugal Life

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income collage

 

It’s easy to see those bills come in the mail and get a little panicky. I had that same feeling the first time our loans started coming up for payment.  Our deferment period was up and I knew that when we started to have more bills come in our future income had to increase somehow. I continued to think about how I could help bring in a little income to bring some of our mountain sized debt down faster. Since we have little ones at home it’s really hard to ‘go out’ and get a job. The money I was going to bring in had to be flexible. That’s where this money planning sheet I’ve created comes in.

You can set a goal for the amount of money you need to make, paired with how to achieve that goal, how to get the goal accomplished, and a place to share your progress. This gives you one sheet to see what is working and helping you to achieve your goals and what is not working.  You can see what you need to spend more time on and what to stop doing.  Earning money on your own is a learning process just like starting a new job.  You will make mistakes and do things that will end up not making you much money.  But you will also have your future income that will work and does work and these are the things you should focus on.

The image of the Money Planning Worksheet is available below.  You can see how it could work for you and planning your future income.

money planning worksheet

I hope you find this printable helpful. I know that once I could identify a goal, execute it, and see some progress my money making abilities got a little better. Don’t forget to download the Money Planning Printable to use in your everyday frugal lifestyle.

 

How to Plan for Future Income + Free Printable is a post from Living A Frugal Life

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