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 ...

Read More »

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 ...

Read More »

How to Budget Your Money

How to Budget Your Money

How to Budget Your MoneyAre 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 ...

Read More »

Frugal Living Tips this Christmas Season

Living Under $30,000 During Holiday Season

Frugal Living Tips this Christmas SeasonIt's no secret that it is getting to be that time of year… Christmas is coming soon! As a person who lives a frugal lifestyle, it is hard to get excited about events that inevitably make me step outside of my financial comfort zone. While it is a lovely thought to believe that you can be immune to the inevitable push to spend money during the holidays, it is impossible in this day and age did not find yourself pulling out a credit card at every turn. ...

Read More »

10 Money Saving Tips for the Newly Frugal

10 Money Saving Tips for the Newly Frugal

10 Money Saving Tips for the Newly FrugalCongratulations! 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.  ...

Read More »

7 Secrets on How to Budget Money Successfully

how to budget money

How to Budget Money SuccessfullyThere are many secrets on how to budget money successfully, but these are the ones that have worked for me! It's important to be flexible, and to understand that learning a new budget will take time. Be okay with that fact, and things will run smoothly (or at least smoother than they would have originally). 7 Secrets on How to Budget Money Successfully 1. Have a goal. Not just a random-maybe-some-day goal, but an actual exact goal. Whether you want to save ...

Read More »