Category Archives for "Frugal Living"

December 30, 2008

Money Saving Tips

Saving
Creative Commons License photo credit: ken +

Having a contingency account or a “rainy day” fund as our grandparents used to call it, is smart. If you want to set aside money for vacation instead of charging it, if you want to have an emergency fund in case something unexpected happens, or if you just like knowing that you have extra money in the bank, read on for tips on how to save money painlessly.

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December 29, 2008

Are You Living Beyond Your Means?

Dollars !
Creative Commons License photo credit: pfala

More Americans than ever are deep in debt and the debt load is growing. The reason this situation exists is because so many live beyond their means. Spending more than you earn means you’re not saving any money, which puts you in a precarious financial situation.

Here are some ways to know if you’ve fallen into this trap and how to get out:

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December 28, 2008

Lose That Credit Card Debt

The average American has over four thousand dollars in credit card debt. That’s a lot of money! It is all too easy to get caught up in credit card debt, but losing that debt is a challenge. Resolve not to get discouraged and frustrated; that will only make you give up on getting out of debt. You can overcome credit card debt.

Here are some ways you can manage your credit card debt more effectively:

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December 27, 2008

How to Make a Family Budget

Set up a Family Budget

Whether you want to save some money, get a handle on your family’s spending habits or just become better with your finances overall, setting up a family budget can be a good idea. Setting up a family budget can help you get control and reach your goals, whether long term like getting that new addition on the house or paying off the car, or short term, such as taking that family vacation.

Setting up a family budget doesn’t have to be intimidating. Here are some tips to get you started:

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December 26, 2008

Home Business Ideas for Moms

homeworkin
Creative Commons License photo credit: truello

It’s nearly impossible for many families to make it on one income these days, and yet more of us moms are deciding to stay home to raise the kids. It’s becoming more and more necessary for us to earn some extra money from home. Thank goodness there are lots of ways to do this! Some of them are listed below, and you’ll find further information and resources on each idea to help you along too.

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