Category Archives for "Frugal Ways to Save Money"

Frugal Ways to Save Money posts

Make $100 today Managing your Debt

Did you know that you can easily make $100 today just by managing your debts? Read my post to find out how.

How can you make $100 today? That makes no sense right? The best way to make money is to not spend money right? When I buy something and I do not have cash, I look at the actual cost. It helps me put it back unless I really need it. That is one of the ways I got out of debt. I became debt free. I paid attention to what I was spending.

This is how you will make $100 today. You will spend less. How you ask?

You should have completed your budget by now. If you didn’t read and complete it. >>> How to live without debt

Continue reading
January 3, 2019

Reduce Stress Reduce Debt

Reduce stress by reducing your debts. Get out of debts now. Read my tips

We are now in day 3 of the journey to a debt free life. I think to myself how different my life is now without having to worry about if I can pay for the electricity. That is being dramatic because we have never had to worry if we could pay the essential bills in our house it was more like what do we have to cut to pay the essential bills.

How did we always have enough money to pay the essential bills? This goes back to the budget. Did you do yours yet? I am serious it is the difference between being stressful and not having to worry. If you didn’t that is fine you can do it now. You can read my post How to live without debt

Continue reading

Ways To Resolve Debt

Get out of debt now! We have free debt advice on ways to resolve debt problems

We have started on our path to what I like to call freedom. I shall define freedom as having a choice. I bet you are thinking I have a lot of choices. You are correct. You do have choices but being able to make choices without worrying about will you be able to afford it is a whole new accomplishment.

What if you could be free? If your first thought is if I was free, “I would buy X.” Then you really aren’t free. Freedom comes from losing your need to have things. We often replace what we actually need with shiny objects. I am going to ask you today to write a mission statement. Your Freedom Goal. It needs to be measurable. It also needs to be something you are prepared to work toward. I will share mine for this year.

Continue reading

How to live without debt

Learn how to live without debt. Get our tips on how to get out of debt.

This is the first day in our plan to dig out of debt and get to live the life you want. Retire? I am sure you are thinking how I can do that? I have credit cards that are currently paying off credit cards. I owe for my house, car, medical bills, in fact, I am sure you even owe your kid money.

It is fine we were there. We were in debt. We had three houses and three kids and we had more money going out then coming in until we made big changes.

Continue reading

How to Save Money by Using a Calendar

Did you know that using a calendar is a money saving tool that you can use and one of the best ways to save money?  I am so excited to share with you How to Save Money by Using a Calendar in your everyday life!  Plus, I am sharing some awesome printables to get you started!

Read these tips on how to use a calendar to save money. We have free printable 2019 calendar, weekly budget calendar and monthly budget calendar all for Free for you to print.


We all have on, in fact, you have a calendar on your phone, computer, and possibly a paper one. If you want a paper one, there is a free paper calendar in this post. The truth is you are most likely wondering how to save money using a calendar. The first thing I want you to do on your calendar is put events that are going to cost money. There are several events that will cost money: birthdays, anniversaries, medical appointments, car maintenance, mortgage payments/ rent, lights, water, ETC. In another color pen or pencil put in when you get paid. I would suggest putting what you get paid minus 20% you need to get in the mindset that you make 20% less and put that in the bank in three accounts. Long-term savings, and in case of an emergency account, and saving for something account. I place my 52 week savings challenge amount that I owe myself right on my calendar. It helps remind me to put back the things I really do not need.

Continue reading

See How I Made $173 in 15 Minutes Each Year

This is a sponsored post written by me on behalf of Sponsored by Ebates. All opinions are 100% mine.

Save money when shopping online! See how I made $173 in 15 minutes each year.

Best ways to save money when shopping online. See how I made $173 in 15 minutes each year.

I love to spend less money almost as much as I love to shop. There is a correlation if I save more then I have more to spend. You can insert my husband’s eye roll here. We have a deal we set a budget that includes retirement savings and then there is a fund for other items. This has been true the entire time we have been together. This is something that made our journey to being debt free even easier and it started when we were in the military. I say we but my husband served our country I made sure my husband was fit for duty!

The question that people always asked is how did a teacher and a junior officer save enough to put a huge down payment on their first home? The answer is simple and I mean really simple. We figure out how to buy what we need at the absolute lowest price. What if I could tell you how to save $100 a year on the stuff you are already buying. Does that interest you? What if I told you that being military means you can double dip on discounts? Is that exciting?

I tell people about my shoe story. I bought a pair of shoes online. I had a friend and she bought the same pair of shoes. She paid $8 more for the same pair of shoes. You say it is only $8. She spent $32 and I spent $24. That is a big deal if that happened on every purchase she made. Look I do not want you to be the person that pays more for the items you want. I want you to be like us and be debt free. I will tell you my secret for saving. It’s the best way to save money when shopping online. Guess what it is free!

This year alone this very same secret helped me save $173. I took an average and every year that I have used this powerful tool. I saved $173.17. It took 15 minutes to use and that is on the high side.

That means I made the tool that helped me make $173 in 15 minutes is available to everyone. You do not have to be military to receive this discount. You do not have to shop at discount stores. You can shop at your favorite retailers like Walmart, Sephora, Macy’s, Amazon, eBay, Kohl’s, Target, Barney’s, and more!

Do you want to know how I figured out I could save even more on my purchases? I love to shop at places that honor and respect our military. I love that my secret tool helps me get an even bigger discount.

Yes, I will share with you how between my husband and myself we saved over $500 this year using EBATES.

Save money shopping online with Ebates

Continue reading