Budgeting and Organization

What to do if you’re more frugal than your spouse

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"Did you use the coupon?" I asked my husband this question when he returned from the store. I had a good idea his answer would be some variation of no. Usually he says "I forgot." But that hasn’t stopped me from trying for the past 20 years. My husband doesn’t understand coupons or sales or … [Read more...] about What to do if you’re more frugal than your spouse

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

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

How ‘mean moms’ teach their kids about money

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

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. in the spring of 2019 with only a truck full of belongings, … [Read more...] about How I slashed $25,000 in credit-card debt to zero

11 ways to save money using social media

Social media is a daily distraction, but not many people know they can use Twitter, Pinterest, YouTube and other channels to save money. That's right, you can use your break-time scrolling to find deals and resources to keep your expenses down. Embrace high-tech frugality with these 11 ways to … [Read more...] about 11 ways to save money using social media

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

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. The truth is, no one ever finishes organizing their life; … [Read more...] about Tools to organize your life in the new year

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

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

8 holiday spending mistakes to avoid if you don’t want to bust your budget

We have great intentions when we create our holiday shopping plan of attack. Maybe you're the type who hits the stores armed with flyers, coupons, apps and lists. Or maybe you’re the type to hit the online stores without a plan and marathon shop till you drop. Either way, you could be blowing your … [Read more...] about 8 holiday spending mistakes to avoid if you don’t want to bust your budget

How we got out of debt by coloring

This guest post is by Heidi Ifland Nash Our story is not unique in how it begins. We were very “normal”. We were the typical American couple, no budget, consuming all of our income each month, and using credit cards to buy and pay for the things we didn’t save up for. We weren’t … [Read more...] about How we got out of debt by coloring

How to make a budget spreadsheet: Step-by-step guide for first-timers

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 make a budget spreadsheet: Step-by-step guide for first-timers

Budgeting and Organization

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