Guys, I am all about living that budget life and if you have seen my Instagram posts, you know I’ve realized the sweet taste of saving over $90 per month on coffee by making it at home. Yes, it’s definitely fun to treat yourself every now and then but it’s also great to pay rent and have a retirement fund. Unfortunately, too many people don’t take advantage of making coffee at home because they think it’s just not possible. But, I’m about to drop some truth bombs. Here is a list of 5 things you don’t need to make gourmet coffee at home.
One of the main things that lead people to my blog is by typing in the word “cheapskate” into Google’s search engine. Awesome. In one sense, I love this because I truly put my heart and soul into writing helpful posts that I think will be beneficial to help people save money. However, there is a big difference between being financially savvy and being a total cheapskate. So what’s the difference? How can you be a cheapskate without acting like one? Here are 8 strategies to help you succeed.
While I am a huge fan of budgeting apps like the EveryDollar budget, I’m also a person who comprehends things so much better when I write them down. In fact, my first simple budget was nothing more than a piece of paper and a smartphone. Often times I still need to use this message just to help my brain really pay attention to where my money is going every month. It’s why I created an easy to use Budget Bundle. I needed something that was specific to my budgeting needs that was easy to follow and I knew others probably felt the same. Check out the budget bundle. So, if you don’t like worksheets, how do you start a budget with a piece of paper and a smartphone? I promise it’s a lot easier than you think.
As a family, we have always lived off only Tom’s income. This always allowed us additional spending money — and debt payoff money from my income. I am so thankful that we have stuck to this method over the years and I believe we saved ourselves a lot of additional financial hardship by doing it this way. However, one of the toughest struggles we faced was to make our money last the entire month. You see, Tom gets paid one time at the very beginning of the month. We weren’t always great at budgeting this money and often found ourselves with nothing left 2 weeks into the month. Yeah…2 weeks. Now we have perfected our system and have great tips on how to make your money last when you get paid once a month.
Trust me, I know that paying off debt can suck the life out of you. Even though sticking to a strict budget can feel super limiting sometimes, I have got 35 frugal beauty and fashion hacks to live by while you pay off debt. Most of these have become a part of my daily routine and are things I swear by. While I may not be an Instagram worthy beauty blogger, I have kind of nailed the whole beauty on a budget thing. So if you are smack dab in the middle of debt payoff but don’t totally want to give up your fashion, style or beauty, then you’re going to want to check these out.
I recently had a friend ask me to come over and help her get a budget figured out. We got out paper and a pen, I had my best advice right at the tip of my tongue and then she started telling me her problems. What I didn’t expect was that all of her problems had more to do with not managing money well with her husband instead of money itself is the problem. I felt helpless. It’s nearly impossible to give financial advice when a couple is not working together as a team. You can read every budgeting book under the sun, but you won’t fully succeed with a budget until you have open communication with your spouse or partner. That’s why instead of dishing out money tips, I want to talk about how to discuss and execute a budget with your spouse or partner.