Budgeting as a Couple

Budgeting as a couple

I think I’ve mentioned in passing that my husband and I do a budget meeting together every Sunday night.  This meeting has been pivotal in our marriage and our finances, so I thought I’d write a little bit about how we structure that meeting and why it works for us.  Finances can be such a struggle in marriage and we…

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How I keep my groceries under budget

How I keep my groceries under budget

One of our budget categories that seems to get out of control easily is groceries!  It surprises me how one extra trip in a week can throw my budget wildly out of wack.  The grocery budget is one of the few categories I can decrease easily with better management, so I’ve found that having some tricks for keeping under control…

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How I manage my savings account

Savings Account Management

I’ve written a little bit about savings accounts before.  We are starting to branch out our savings and investment strategy, and I thought it would be a good time to write about how we manage our everyday, primary-use savings account! How we use our main savings account Our primary savings account that we access regularly holds money for a variety…

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Financial Independence when you are Poor

Tips for financial independence

When you are living in the trenches of paycheck to paycheck, financial independence can feel like an impossible goal.  Every time I read an article about how many millions you need to retire, I have a panic attack.  How will we ever save that much?  I wonder. I’m not sure if we will ever be millionaires, but even at our lowest…

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Our Christmas budget strategy for saving

How to save during the holidays

Typically, our whole Christmas budget is around $500.  This year, our budget is a little smaller.  We weren’t able to make regular contributions to our holiday gift fund due to job instability and our house fire in the spring.  Our entire Christmas budget this year is about $300 .  That doesn’t seem like much, but we’re starting early and we…

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The Micro-budget Method

An overview of micro-budgeting

Today I’m making up a new word: micro-budget.  Definition: a budgeted amount that seems ridiculously small to the average american. Last week, I was reading an article about overspending your budget by Sarah at Lemon Blessings.  She has some great advice there, but do you know what my very favorite thing was?  She said her clothing budget for the month was…

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What to do when your income disappears

How to survive no income

My husband currently works on a contract-by-contract basis.  He’s associated with a company that is pretty good about making sure their employee’s have work.  When he started his last project, we knew it was supposed to be around 8 weeks.  It ended up running closer to 12. We knew the project was winding down, but we hoped that it would…

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How to afford travel

How to afford travel

Whether your seeing the world or just going to visit grandma, travel ain’t cheap!  We afford travel by maximizing our rewards and shopping for rock-bottom prices. The way I see it, your three largest expenses when traveling are flights, accommodations, and sight-seeing.  (Food costs could arguably be included as well, but my solution to that is to feed everybody PB…

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Follow these personal finance blogs to become a money mastermind

My Favorite Finance Bloggers

Managing your finances can be overwhelming.  I love reading what other people are writing about finances because it keeps me excited and motivated!  I spend the last week collecting new side hustle ideas from some of my favorite sites, and thought I should share some of my favorite finance blogs. Frugal lifestyle 1. The Busy Budgeter by Rosemarie has tons of…

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Getting Started with Amazon Arbitrage

A beginners guide to amazon arbitrage

I am all about trying side hustles.  When my husband first lost his job, Amazon arbitrage was one of the first side hustles I found that genuinely interested me. Unfortunately, we didn’t have the extra money to spend on inventory at the time.  Luckily, we finally met our financial goals and set aside some money to experiment with amazon selling…

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