Today’s society relies so heavily on credit and debt to function it’s almost comical.  My great-grandparents didn’t have a credit card and neither did my grandparents.  Only when they were forced to get some sort of plastic, did they.  And they did just fine. For decades.  I have personally opted out of receiving credit card offers, but [...]

 Where to “find” money around the house – realistic ways.  PROVEN WAYS!
Installment 1
I figured that I would start a series of posts to help people who just aren’t sure where to get more money from without getting a second job.  Now, these hints aren’t going to make you an extra income, but you’ll be surprised [...]

Resisting the temptation to splurge on impulse
 

Recently, very recently, it’s been such a temptation to splurge on something that I see in the store that looks SOOOOOO pretty.  Splurge on unnecessary items.  Splurge on stuff that we’d probably end up selling at a garage sale in a year.  Of course we have been allocating spending [...]

 
I posted about the $0 budget and began thinking about it.  I began thinking “wow.  It was daunting when we started it. I think I’ll share our experience to make it more attainable.” So, here’s our experience – and it’s ongoing I might add - BUT wildly successful and we LOVE it.
We used to always be [...]

Where to start when doing a *gulp* budget

Oftentimes, people don’t know where to even start when doing a budget. I, regrettably, was one of them. And then I sat down and just started one baby step at a time. And it worked. You may feel overwhelmed at first, but the key is to UNDERSTAND the [...]