Growing up, my most vivid memories involve the magic of Christmas. Visiting Santa, shopping and wrapping gifts, performing in the Christmas pageant, enjoying a special family dinner, and eagerly waking up on Christmas morning to see what Santa brought. Continue reading
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
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.
The past year, our family has made simple changes to spend less and save more. We’ve become more frugal and more intentional about our spending and our savings. At the same time, it can be hard to separate needs from wants. It is hard to pull the emotions out of spending. After all, spending is fun! It gives us a rush, a feeling of accomplishment, a high. This is true for us and for our kids.
School’s out for the summer! The season of sunny weather, family vacations, and activities galore is here. With so many options to entertain and educate kids in the summer, it is easy to spend a lot of money on camps, workshops, and activities. Luckily, there are plenty of free and inexpensive summer activities for the kids, too.
What are they? Here’s my go-to list of 15 free or cheap summer kids activities.
When my husband and I first met, enjoying great food was one way we immediately connected. We cooked each other new recipes, ate out often, entertained friends with fancy meals, and regularly splurged on tasty craft beers and wines. Add a large dog and two growing boys to the mix, and it’s no surprise our food and dining bill regularly exceeded $1,500 a month.