The Tale of Two Cans of Olives – Everyday Money Lessons

every day money lessons for kids - raising savers

Here’s a simple story about buying olives and comparison shopping. It is a wonderful reminder to use everyday experiences to teach kids about money – no matter how frustrating it may seem at the time! 

Continue reading

“Light Bulb:” Changing Our Family’s Mindset on Spending and Saving

Changing Your Family's Mindset on Spending and Saving - Raising Savers

Lately, I’ve been thinking about how incredible a simple shift in our family’s mindset on spending (and saving) created such a big change in our financial trajectory.

Sure, our path toward getting out of debt and planning for financial independence has been a process with very intentional actions, but first we had to change our family’s mindset on spending and saving.

We are now thinking about money in a new way – not as a tool to “buy, buy, buy” but as a tool to secure freedom and independence (while also living a bad ass life).

As Gru from Despicable Me loves to say… “Light. Bulb.”

Continue reading

Spending Freeze – 10 Tips to Make it Successful

Spending Freeze - 10 Tips to Make it Succesful

Whether you’re tightening your budget, going on a finance diet, or recovering from spending emergency funds, a spending freeze is a useful tactic to get your budget back on track.

For our family, a spending freeze is a conscious decision to only spend money on essential expenses. It goes beyond just adjusting our budget line items. It’s a mentality shift. And it works. Here are ten tips for making a spending freeze successful. Continue reading

6 Things My Toddler is Teaching Me About Life

What my Toddler is teaching me about life

Our second son, Little O, is nearing his second birthday. He’s full of charm, mischief, laughter, exploration, excitement, and big (huge) emotions. Staying home with him full-time is an adventure – full of fun, messes, and ups and downs. And yet, when I take a step back from the daily chaos, I appreciate the lessons he is teaching me about patience, learning, loving, success, and life.

Here are six lessons my crazy, awesome toddler is teaching me about life.

Continue reading

Learning to Say No (When Saying No is Really Hard)

Learning to Say No

I have a confession to make. I have a really hard time saying no.

Now, don’t get me wrong. Saying yes can be a really good thing! I love a good idea. I am not scared by a challenge. I thrive on hard work and staying busy. I jump at new projects and opportunities. Continue reading

The Power of Small Changes for Big Savings

Small Changes, Big Savings - Raising Savers Blog

When our family started getting serious about saving for an early retirement, we knew decreasing our spending was a key part of the plan. At first, this seems daunting. Could we really make a meaningful dent in our spending? Would small changes really add up?

The encouraging answer is yes!

Regardless of your financial situation or goals, it is powerful to know that small changes do make a difference. 

Continue reading

A Simple Story About Carrots and the Power of Saving Money

Kids and Saving Money

Here’s a simple story about gardening, harvesting carrots, and the power of saving. It is a wonderful reminder that kids listen, watch our examples, and can understand financial concepts if we take the time to teach them. Enjoy! Continue reading