Budget Tips

How to Save on Electric Bill – Easy Changes for HUGE Savings!

With so many fun ways to spend your money, the last thing you want to do is waste it on an overpriced electric or gas bill. Think about it: If you could spend less on your electric bill, what would you do with that extra money? Today we are going to talk about how to save on electric bill and

How to Save on Your Phone Bill

Remember a time when everyone didn’t have cell phones? Depending on your age, it might be really easy to think back to that time. Maybe you’d like to go back to then? Maybe the idea makes your cringe? Either way, it appears that cell phones are here to stay and it’s a bill we all have to include in our

The 3 Gift Christmas Rule – How and Why to do it

Have you heard about the 3 gift Christmas rule?  Your kids only get three gifts chosen from three different categories.  Here are the 3 categories that we use in our home.   One of the toughest struggles as a parent is to give my children a joy-filled Christmas. To me, that somehow translates to giving them the gifts that they want

Stay within your Christmas Budget – Last Minute tips and tricks!

Christmas Day is upon us – are you ready? Did you set a Christmas budget and have you been able to stay within your Christmas budget? According to the 2018 TD Bank Merry Money Holiday Spending Survey, 66% of those surveyed said they create a holiday budget and 76% reported that they stuck to their budget. The problem for many,

How to Make Your Own Budget Planner

You’ve heard me say many times before that a money saving budget planner is an essential part of making your money work for you. Having all your money in one place makes you feel better because you’re more organized. Plus, you can finally stop missing payments and paying late fees.  It makes sense to set up a brand-new budget planner

How to Budget your Life using a Prepaid Debit Card

In my online course The Financial Renovation I teach my students to use cash when learning how to budget. In the past year I’ve been trying out different prepaid debit cards as an alternative to using cash envelopes, and I am considering switching to using a Prepaid Debit card instead of cash. You may be wondering How to Budget your Life

How to Save Money on Back to School Shopping

Being a mom with kids in school is hard work! Even when school’s out for the summer, the job doesn’t end. Before you know it, Fall is right around the corner and it’s time to shop for back to school. There are usually different school supply lists to work off of, clothing to be purchased, and it can get SO

How to set up a Yearly Budget Planner

Are you struggling to stay on budget because something always seems to pop up? Do this cause you to spend money that you don’t have? That is why it’s helpful to use a Yearly Budget Planner. A yearly budget planner helps you organize your year so that those unexpected expenses don’t continue to break your budget. Today I am going