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  • Small Savings WILL Make A Big Difference!

    Living on a budget is the key to financial freedom, but getting started can be frustrating. When we look at our expenses and see all of those bills we’re paying every month, it’s easy to throw our hands up in disgust. But what about all those little expenses we incur? You might be surprised to find out just how much they amount to.

    It’s easy to dismiss cutting back on little things. A few dollars a month won’t make a significant difference in the big picture and you won’t be able to retire on those small savings. But a few dollars here and a few dollars there will add up each month. When you cut back in a lot of small ways, you could end up with a lot more money at the end of the month than you used to.

    Waste Not, Want Not

    One thing we can do that is good for the budget is stop wasting so much. This can apply to many areas in our lives. From eating to home heating, waste equals money going down the drain unnecessarily.

    Cooking for the family instead of eating takeout or dining out is a great way to save money. But if you’re throwing food out, the benefit is reduced. So if you have leftovers, don’t let them end up in the trash. Some dishes freeze well, and this makes for easy dinners when you don’t have time to cook. You could also eat dinner leftovers for lunch the following day.

    If your home is not well insulated, you’re probably wasting lots of money on home heating and cooling. Insulating will cost some money up front, but it will pay for itself quickly. If you have drafts around windows and doors, weather stripping can help maintain the temperature of your home.

    I’ve lived in some drafty and cold apartments and houses through the years and one thing that really helped was putting plastic on my windows.  It kept out a lot of cold air and kept in a lot of the heat.  It was a win-win for me and my purse each month.

    Most households waste an unbelievable amount of electricity. This can be prevented in part by using energy efficient appliances and light bulbs. Turn lights, televisions, computers and other devices off when you’re not using them, and open blinds to take advantage of the sun’s light during the day so you don’t even have to turn your lights on until later in the day. Read the rest of this entry »

  • Get Your Finances Organized!

    So, we’re almost at the end of January 2018 and if one of your resolutions was to get your finances in order I hope you’ve started working on it by now.  If not, don’t fear – you still have time!

    Some people simply can’t keep up with their finances because they aren’t as organized as others.  That doesn’t make you a bad person, it just means you have to work harder to keep up with the finances in your household that some people would.

    I used to be the worst at getting things organized in my home and I don’t mean just the finances!  When I’m at my 8:00 – 5:00 job I am one of the most organized individuals you’ll come across.  But get me to my house and holy smokes – hold on to your hats because it wasn’t pretty at all.  But that has all changed!

    I got divorced and had to learn pretty quickly how to keep up with what was going on in my financial life in my own house.  I had to come up with a system that worked for me and the first thing was putting together a budget.  UGH!  We all hate those because we feel like we’re restricted to go by that budget – but in reality, your budget will change as your circumstances change.

    I’ve put together a list of things that are important to keep up with when it comes to finances so you always know where you stand.  Some of it might seem a little silly when you first read it, but trust me – it all matters. Read the rest of this entry »

  • Create Your Budget!

    You hear so many people say, “I need to get on a budget!” However, it’s not just enough to create a budget; you have to also stick to that budget.  It can be difficult to change the way you spend money, but it doesn’t always have to be.  And once you get that budget done, it is easier to see where you money goes, so it might not be as hard to stick to it as you might think.

    Some people just think it’s entirely too hard to sit down and go through all of the number crunching that is needed to get that budget set up. But, I’ve made it extremely easy for you by creating this budget sheet you can download here and all you’ll have to do is fill in a few numbers. The benefits you will receive from creating your budget will certainly pay off more than you might ever realize. Read the rest of this entry »