Budgeting used to involve a paper, pen and hours of work hunched over receipts and bank statements, but those days are long gone. Thanks to modern spreadsheet programs, you can make a do-it-yourself budget in just a few minutes. Whether you are new to personal finance management or a long-time … [Read more...] about How to create a budget spreadsheet
Budgeting and Organization
The ‘Money Detox’ Challenge: How to reset your spending habits in 30 days
We live in a world that’s constantly encouraging us to spend. From targeted ads to the convenience of one-click purchases, it’s easy to fall into the trap of mindless spending. (we've all been there at some point in time, right?)But what if you could hit the reset button on your financial … [Read more...] about The ‘Money Detox’ Challenge: How to reset your spending habits in 30 days
The 1% Rule: How tiny changes can lead to big savings
We all dream of building wealth, saving more, and achieving financial freedom. But let’s be honest—overhauling your budget or making drastic lifestyle changes can feel overwhelming.What if I told you that small, incremental changes could lead to big results over time? Enter The 1% Rule, a simple … [Read more...] about The 1% Rule: How tiny changes can lead to big savings
16 ways to cut expenses this year
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It's a new year, and that means it's time to get your financial house in order. Learning how to cut expenses on the family budget can be a big help! No matter what mistakes you made last year, you get a do-over this year. The beginning of the year is a great time to make changes that will … [Read more...] about 16 ways to cut expenses this year
How to beat inflation and save on almost everything
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For the first time in decades, American shoppers are having to deal with inflation — the widespread, general rise in prices for goods and services. Since you're reading this post on a site called Living on the Cheap, you're probably looking for ways to stretch your dollars to cover some of that … [Read more...] about How to beat inflation and save on almost everything
How to teach your kids about budgets
Money doesn’t grow on trees, but teaching kids how to budget can plant the seeds for financial smarts. Whether it’s managing their allowance or saving for a new toy, kids can learn the value of a dollar—and how to stretch it—through hands-on lessons and simple tools. Let’s dive into how you can turn … [Read more...] about How to teach your kids about budgets
Free printable budget sheets to help you manage your money
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Struggling to stay on top of your finances? Printable budget sheets are here to save the day! These simple, customizable tools help you track expenses, manage savings, and crush your financial goals. Looking for free printable budget sheets to get your finances into shape … [Read more...] about Free printable budget sheets to help you manage your money
Tools to organize your life in the new year
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With the new year upon us, we’re all thinking about resolutions. While losing weight and getting your finances in order are two popular choices, one resolution many of us make year after year is to get organized, once and for all.Let's talk about how to get organized for the New Year! It's … [Read more...] about Tools to organize your life in the new year
10 guilt-free ways to stop overspending on your kids and grandkids
Raise your hand if you overspend on your kids for birthdays and holidays because you want them to be happy. Do you spoil your grandkids because you don’t see them often and hope that presents will lead to warm feelings? Do you wish your mom would stop spending money on your kids, or that you could … [Read more...] about 10 guilt-free ways to stop overspending on your kids and grandkids
A $50-a-week meal plan for 1 by shopping at ALDI
Sticker shock used to be synonymous with new cars. Now it's in the grocery store (and everywhere else). (Please note that while some of these prices may have risen over the past year, many are still the same or close. This post is just an example of how to use ingredients in multiple recipes … [Read more...] about A $50-a-week meal plan for 1 by shopping at ALDI
5 quick ways to save money right now
If you have taken a pay cut, lost a job or gotten hit with high bills, you're probably looking for ways to save money ASAP. From your cellphone to your grocery bill, here are five strategies for tightening your belt right now. Negotiate with your service providers You don't want to … [Read more...] about 5 quick ways to save money right now
Do a no-spend challenge to see where you can save
If your spending has gotten out of control or you want to cut down on unnecessary expenses, it might be time to embark on a no-spend challenge. Going an entire month without spending beyond necessities can be an eye-opening experience. We think any budget-minded individual should try a no-spend … [Read more...] about Do a no-spend challenge to see where you can save
10 ways to change bad spending habits and save money
Make this the year you make changes to your bad spending habits and have a positive impact on your household budget. It’s easier than you think. Check this list of tips for smart spending and pick a few money-saving strategies to try.Definitely do not adopt them all at once, as you’re bound to … [Read more...] about 10 ways to change bad spending habits and save money
How ‘mean moms’ teach their kids about money
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How much do your kids know about money? I don’t mean, how much do they know about how to wheedle a dollar out of your wallet for the vending machine. I mean, how much do they know about how money is earned, saved, invested and spent?Do yourself and your children a favor and teach them about … [Read more...] about How ‘mean moms’ teach their kids about money
12 ways to save more money, starting now
We hear all the time about how people cannot save any money anymore. The U.S. savings rate has traditionally been abysmal, though it surged to historic levels during the pandemic. In normal times, though, whether it’s by habit, convenience or lack of priorities, many people have a mindset that … [Read more...] about 12 ways to save more money, starting now
