Start Saving For Christmas – in January

Don’t look at me like I’m crazy. I know no one wants to think about the holidays for at least another ten months but this is the best time to start thinking about them. Look for after-Christmas sales and stock up on items like wrapping paper, gift tags, and gift card holders. I will often [...]

How I saved $60 on our electric bill

We have budget billing for our electric bill and it adjusts throughout the year based on how much electricity we are using. It doesn’t normally adjust more than $20 or so and I had never looked at how much our electricity we were using in the winter. When I did look, I realized that one month [...]

Create More Money For Your Life

There are really only three ways you can create more money in your life, you can earn it, save it, or borrow it. Earning more money involves work of some kind from you. You can take on a second job (or a first job!), sell items you no longer need, or sell items or information [...]

Gift Budget – Create a gift budget for a holiday or the year!

When creating their financial budgets, many people forget to add a gift budget. A gift budget will help you be able to buy those monthly gifts such as birthday and anniversary gifts, and help you save money during the holidays. It is not difficult to create a gift budget and it may take you under [...]

Your Arts and Crafts Style Can Help You Make a Craft Budget

By deciding what your arts and crafts style is you can decide where to allocate your craft allowance in your frugal budget. Whether you use needles or paintbrushes, or your work is displayed in your home or sold at arts and crafts fairs, you can use these questions to help you learn what your arts [...]