Author Archives: Angie
Author Archives: Angie
Disclosure: The views, opinions and positions expressed within this post belong to Real Advice Gal and do not necessarily represent those of The American Heart Association unless explicitly stated.
Can frugal living and living a healthy lifestyle go hand-in-hand? Absolutely! Being frugal does not mean living on less. In fact, it can be argued that frugal living is more about making the most out of what you have. The same can be also be said of a healthy lifestyle. You don’t need to have a ton of money to provide healthy alternatives to cheap junk food to feed your family. When you start thinking frugally you start thinking of ways to make the most out of every bit of what you have. Most of the time that not only means planning (planning ahead is key to eating healthy on a budget) but it also means getting creative.
Ask any mom out there which food is the best bang for their buck and most will not say broccoli. There is a pretty common misconception that healthy food must be expensive and is not something kids want to eat. The issue lies in the old saying “Fast, cheap, and good… pick two. If it is cheap and good it won’t last”. The saying can definitely be applied to food. It is appealing when living a frugal lifestyle to go strictly for cheap, but I think it is obvious to most who pay attention to healthy living at all that most cheap foods are cheap for a reason and usually it is the “good” that didn’t get chosen in the question posed above.
Here are some suggestions on where to find affordable foods to support your family’s health while maintaining a budget:Continue reading
The most important qualities to living a purposely frugal life is to be prepared. Preparedness will always prevent an 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 and along the East Coast, hurricanes are an issue for over half of the year. Nothing can be worse than being in the situation where you could have been prepared (and often meant to be prepared) but did not “get around to it”.
Emergency kits can become extremely expensive, so you always need to keep in mind what your family needs is a disaster happens. In my family, everyone has their own bags, and then we have two family totes: one with important documents and your replaceable items, and another with everything else that can be generally used by the family. For the two totes, we use big plastic storage containers.
In each of the individual bags, what you put in depends on two factors. One factor is the needs of the person on a daily basis, the other factor is what type of emergency situation the bag is being used for. For our family, hurricane season is the main reason we pack emergency bags. Each of the kids bags are backpacks that I have found that consignment sales for very cheap. My husband and I each use old reusable shopping bags for ours.
There are three main categories to consider when putting together your kit: food, water, and supplies. Here is a full list of items to put on your emergency kit.
Most, if not all of the items on these lists can be purchased during sale cycles and with coupons. Make sure to pick one day a year (mark it on your calendar) that you go through your kits and refresh any expired goods. For our family, June 1st is the start of hurricane season and the day we go through our kits and go over our family plan on what to do in case of emergencies. Start building your families kits now. Do not wait until it is too late.
Read part 1 of Angie’s Living on $30,000 Best Frugal Tips on Thriving and (not just surviving) on $30,000 a year!
Part 2 – Basic Home Budgeting
Part 4 – How to Not Spend Money
Part 6 – Money Management Skill
Part 7 – Why Couples Should Talk About Money?
I am a stay at home mom and happily married to my husband Tom. I have a five year old daughter and a two and a half year old son. I grew up in Orlando, but went to school in New York City and lived in Los Angeles before moving home to raise a family. I have worked in the film industry since the early nineties, and for over a decade with the Florida Film Festival. I also spent many years working in marketing with Glaceau and Honest Tea. But, I am happiest at home building my family.
For more Best Frugal Tips, read these:
If you are living on a tight budget (or just generally frugally minded) the holidays can be a time of anxiety and worry as well as budget stretching triumph. I have found plenty of areas in which a dollar can be stretched or saved during the holidays, but one area where you should always be prepared to pay full price is when it comes to tipping. Showing thankfulness should be something that is never done less than over abundantly. Of course we all would love to shower those who have provided help or services for us throughout the year with gifts that surpass what is socially required, but realistically that is not always possible. Especially if time are lean and frugal living is less of a choice and more of a necessity.Continue reading
Dear Miss. Smith (not her real name because I don’t want to be totally mean and call her out even though she’ll probably find this blog and know I am speaking directly to her),Continue reading
Do you ever wonder Why Do You Need an Emergency Fund? It’s easy to wonder if this is important, but also how to make it happen. We have some tried and true reasons and tips here for you to understand more about why an emergency fund is a necessity no matter what your current financial situation may be.
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 can. I have always been of the opinion that you shouldn’t spend money that isn’t yours (i.e.. credit card debt). Over the years, I have learned that building credit is equally as important as paying your debts. For that reason, we have embraced using credit cards in a controlled way.Continue reading
After sharing with you about my own emergency fund needs, I am now ready to help you learn How To Start Building An Emergency Fund as soon as possible!
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 emergency savings fund. What could you drop? What would be added in? Now figure out how many months you are saving and start planning! For our family, we have to repay our “emergency” emergency loan from family first, then start in on building a future fund so we aren’t stuck again.