-
Finances and Frugality in a World Where Everything Costs a Freakin’ Fortune
Let’s talk about some F-words (no, not that F-word). Let’s discuss finances, fortune, and frugality. I’m not a financial advisor, but I wanted to share some thoughts about money and some practices that have worked for my family. Finances Money. We need it to live, but everyone makes different amounts of it. And we all have different financial situations, systems, and priorities. Some of us budget every penny and others are comfortably wealthy or don’t care to keep track of spending. Some people spend, and some people save. Some are good at both. Then there’s debt, and credit scores, and debt-to-income ratios. What’s good debt vs. bad debt? Do you…
-
Ways I Save Money in our Household Budget
Where to start with a budget Budget doesn’t have to be a dirty word. I budget our household expenses to make sure we have enough money to pay our bills and don’t overspend on extras. The first step to creating a budget is to track spending for one month. Don’t skip anything. Spent $5 on a coffee for your morning commute? Write it down (or enter it into a spreadsheet). Once you see where your money goes, you can see where you’re overspending and set up pools of money for each type of expense. I like to use a monthly Excel spreadsheet that’s already set up as a budget. You…