10 Money Saving Tips for the Newly Frugal

10 Money Saving Tips for the Newly Frugal

10 Money Saving Tips for the Newly Frugal Congratulations! You're taking your first steps towards getting your finances in order by making a conscious choice to live frugally! It may seem overwhelming, but there are many quick changes that you can make your lifestyle it will help you start to live frugally life and see big changes to your bank account immediately. These 10 money saving tips will help all of you who are just starting to live frugally.  ...

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How to Budget Your Money

How to Budget Your Money

How to Budget Your Money Are you thinking about getting your finances under control and tightening up your belt to achieve some goals? Then first thing's first, you need a budget! Goals are great, but you need to know where you are starting to know where you're going to end up and how to get there. There are two ways to on How to Budget Your Money. First, would be listing out all of the possible spending categories (payables) and plugging in your "take home" income (receivables). The ...

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How to Start Building an Emergency Fund?

How to Start Building an Emergency Fund?

How to Start Building an Emergency Fund? Last week I talked about creating an emergency fund and why it is so important. Now let's talk about how to jump in and get started. How much should you save? This is an easy, yet highly individual question. Depending on how out of out of debt you already are and what the job market is in your field and area. Generally I would say 3-6 months is a safe bet, but 6-9 is probably best. Take a hard look at your budget and decide what your needs in an ...

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Why Do You Need an Emergency Fund?

Why Do You Need an Emergency Fund?

Why Do You Need an Emergency Fund? Why do you need an emergency fund (part 1) ? As some of the readers may have noticed, my regular series "How to thrive and not just survive under $30,000 a year" has not been around for a few weeks. One of the major reasons is because of a hard financial lesson I just learned. Most of the information in my blog posts comes from my own personal experience and doing a lot of research to figure out how to run the "business" that is my family the best I ...

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Frugal Back to School Shopping Ideas

Frugal Back to School Shopping Ideas

Frugal Back to School Shopping Ideas Back to school shopping frugally Right now you may be wondering why it is important to start thinking now about next years start of the school year, but if you're thinking frugally, you already know the answer. Buying during sales cycles always save you money. I purchase a lot of supplies for the next school year well in advance. The only things I don't purchase in advance are our backpacks and lunch boxes (if you have kids you know how quickly their ...

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Preparedness is Key to Frugal Living

Preparedness is Key to Frugal Living

Preparedness is Key to Frugal Living The most important qualities to living a purposely frugal life is to be prepared. Preparedness will always prevent unnecessary struggle. I was born and raised in Florida, like many parts of the country we have our share of weather to worry about. Up North, you must be prepared for the winter weather. In the Midwest, you must be prepared for severe wind and storms. Out West, earthquakes are a part of the reality of choosing to live there. And down South ...

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Healthy Living While Living Under $30,000

Healthy Living While Living Under $30,000

Healthy Living While Living Under $30,000 Living a frugal lifestyle by living healthier? Is it possible that living frugally and being healthier go hand in hand? They sure do! Being frugal doesn't mean living on less. It means making smarter decisions with what you have, including healthy living. Here are three big ways to live a healthier lifestyle while keeping your budget in shape: Healthy Living While Living Under $30,000 Drop the gym! The weight of your bill from gym membership will ...

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Ways to Save Money on Car Insurance

Ways to save money on Car Insurance

Ways to Save Money on Car Insurance Many times I write about ways to save money and "cut the fat" when it comes to expenses in your monthly budget, but there are times when being frugal is not always best. When it comes to your car insurance policy, using your head before factoring in cost is pretty important. A car is a very important part of any family's financial structure. Insuring your investment is also very important. It is one of those "immovable objects" in your monthly budget. Not ...

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How to Save Money for a Car

How to Save Money for a Car

How to Save Money for a Car This week I wanted to talk about one of the biggest expenses in a monthly budget... Your car (or cars). When you are starting to plan on living a more frugal lifestyle, one of the biggest contributing factors to success is to being able to minimize how much money is going out of your budget every month. How to Save Money for a Car Car payments are a huge chunk of your budget. As with almost anything in your adult life, owning will be more cost-effective than ...

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Cleaning Up Your Credit Report

Cleaning up your credit report

Cleaning Up Your Credit Report Congratulations on taking the first steps towards cleaning up your credit and getting your finances back on track! Reclaiming your credit score is one of the best things you can do to ensure a brighter financial future for you and your family. When you hear back from the credit agencies, you will be told whether or not your claim is accepted and changes will be made or not. If you’re having a hard time getting something fixed, it might be because of several ...

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