Finding Motivation To Pay Off Large Debts

Within the last few months my husband and I have paid off all of our smaller debts. You know things like a student loan, car loan, a few hundred dollars on a visa card and our Lowes credit card we had been using to finish our back patio. It feels so good to not have…

How I Avoid Spending Money

For the past week I have REALLY been wanting to shop. I hate when this feeling strikes. I don’t want to go clothes shopping, although that would be fun to. I want to shop for my house. It has been forever since I went on a shopping adventure to buy things for my home. Oh…

What To Do When Food Eats Your Budget

What the heck is she talking about you ask. I’m talking about the outrageous amount of money my family spends on food. Anytime we break the budget it is due to eating out, buying Redbulls or other food and beverage splurges. Typically I budget $500 a month for groceries and we typically spend about $400…

My Quest To Save Money On Fresh Produce

I have been in a major cooking rut the past month or so. I can’t even tell you what I have been cooking because I seriously have no idea. I am trying to put together next weeks meal plan and I really need to focus on eating healthy and fresh. Especially since it’s a holiday…

Why I am OVER having a Mortgage

No I haven’t paid my mortgage off. I am just so annoyed with my current mortgage company. As of 2010 it is a California law that you must have an escrow account. So I pay my bank monthly to set aside money to make annual payments to my home owners insurance and county taxes. For…

Krazy Coupon Lady

I have always been one to seek out a good deal. I love the thrill of it, not to mention I love being able to keep some cash in my pocket. So it’s not surprising that I have always loved using coupons. Earlier this year I was trying really hard to become a “couponer” I…

E is for Emergency Fund

For the first time in MY WHOLE LIFE I have maintained an emergency fund. It’s sad to admit that I have never been a very good saver. Since the hubby and I have decided to take on Dave Ramsey’s baby step program we have been able to keep our “baby” emergency fund of $1000 in…

Using a Debit Card vs. Cash

In the month of March I was not as strict with my budget as I had been in February. I know it’s because we paid off all of our smaller debts so I didn’t feel the urge to be really strict with our spending. We paid of our truck loan so now we just have…

Summer Trip Planning

I know Spring just arrived but I’m already thinking about Summer. We usually go on 2 camping trips in the summer but this year we already have 4 planned! Woooo Hoooo! The problem is I need to make sure our finances can handle it. Luckily camping trips can be pretty inexpensive for us since we…

March Baby Step Update

As I sit here writing this post I cant help but be excited. We are one step closer to being done with Dave Ramsey’s baby step #2. This terribly annoying student loan is long gone and I wont EVER look back! It was a $6000 loan with only 2% interest but it felt like it…