Budgeting and Organization

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

We may earn a commission at no additional cost to you if you make a purchase using the links in this post. As an Amazon Associate, Living on the Cheap earns from qualifying purchases.

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

How I slashed $25,000 in credit-card debt to zero

A few years ago, my long-term partner and I were living in his home country of Canada, and I put a lot of time and money into obtaining permanent residency. But relationships sometimes don’t move forward as planned. I returned to the U.S. with only a truck full of belongings, my dog and about … [Read more...] about How I slashed $25,000 in credit-card debt to zero

8 ways to keep your budget on a diet

Why reinvent the wheel? Winning strategies from one area of your life can often work in another. That's why effective communication aids all sorts of relationships, and efficiency tips for quick cleaning also work for other tasks. Spend and save wisely with these eight proven techniques borrowed … [Read more...] about 8 ways to keep your budget on a diet

How to wipe out debt — this time, for good

Many people believe getting out of debt is all about math: spending less than you earn and paying the difference to your debt until it's gone. Jackie Beck, author of The Debt Myth, says that it takes more than just math to get out of debt. It's about changing your money habits and the way you view … [Read more...] about How to wipe out debt — this time, for good

How to teach your kids about budgets

We’ve all heard the horror stories: young people who graduate from college, move back home with their parents, make very little money and mishandle the cash they do earn.While it’s never too late to teach young people to budget, you also can’t start too early. If you don’t want to be supporting … [Read more...] about How to teach your kids about budgets

10 ways to get your financial life in order

Are you spending too much and saving too little? Do you not even know where your money is going? If the answer is yes, it's time to get your financial life in order.Even if you're doing well financially, the beginning of the year is a good time to take a look at your savings, your spending … [Read more...] about 10 ways to get your financial life in order

21 ways to deal with your post-holiday financial hangover

Now that the holidays are over, many people are starting the New Year saddled with an overwhelming financial hangover of bills and debt. How do you deal with it? While it might be easier to just make the minimum payments, that’s not a good long-term plan. If you don’t make a plan to reduce your … [Read more...] about 21 ways to deal with your post-holiday financial hangover

How to use gift cards to save money

Gift cards and certificates are a favorite holiday or birthday gift for many people who want their loved ones to choose exactly the gift they want. Gift cards are high on the list of requested gifts, but many people forget to use them or never use the full amount.In addition, … [Read more...] about How to use gift cards to save money

Budgeting and Organization

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