I remember years ago our church challenged us to try and create an extra $5 per day. They gave examples of giving up our daily coffee shop stop. Because I didn’t get daily coffee, I instantly assumed that I wasn’t wasting any money and there was no feasible plan for me to find an additional $5 per day in my budget. We were living paycheck to paycheck. Money was just too tight. There was no way we could swing it. Maybe it would work for other people, but certainly not us. If you feel the same way, I’m about to drop some truth bombs about where your $5 per day might be hiding and show you just how huge of an impact saving $5 per day can have on your entire life!
You know, I have written a lot of posts trying to help people improve their finances, pay off debt and build savings. One thing I haven’t talked about is how to tell your friends. So often, these little areas are over-looked and they shouldn’t be. When we were in the middle of debt payoff, I hated telling my friends I was on a budget. Turning down a night out to stay home and eat leftovers was not awesome. Side note: being debt free is awesome. So how do you survive the social
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 running low on funds only 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.