• Learn how to save money on your winter utility bill

    6 Super Easy Ways to Save Money on Your Winter Utility Bill

    With the constant increases in prices and taxes, it can seem almost impossible to save money on winter utility bills. And, let’s face it, you’re really at the mercy of the weather. While some might luck out and have the mildest winter on record, what do you do when your winter is one of the harshest in years? As it turns out, there are a few things you can do AND they’re pretty easy. While these tricks won’t drop your winter utility bill to $0, they will help you see a lower number on that bill. 6 Super Easy Ways to Save Money on Winter Utility Bills *This article may…

  • Science-backed was to finally stick to your goals in 2020

    Are You Ready to Finally Stick to Your Goals? These 2 Science-Backed Methods Can Help.

    Do you struggle to stick to your goals? You know, those goals you make about exercising, saving money and getting your life together. If you’re like me, a lot of your goals get thrown out in less than a week, and you just can’t muster the motivation to change. You reallllly want to finally stick to your goals, but life is always throwing you “excuses” not to get it together. But, what if you’re not going about things the right way? Science says there could be a couple ways to increase your chances of sticking to your goals by anywhere from 25%-56%.1 Amazing, right? And these tips don’t have anything to do…

  • 20 Mother's Day Gift ideas for under $20

    20 Mother’s Day Gift Ideas (2020) for $20 or Less

    Check out our Mother’s Day gift ideas for 2020! Mother’s Mother’s Day gift shopping can often be stressful for you and your budget. How do you get the woman with everything something meaningful? (Especially when your budget isn’t so big!) But, believe it or not, you can pick the perfect Mother’s Day gift for $20 or less. First of all, stop worrying about how little you have to spend. Instead, start focusing on giving your time, talents, and love. I used to be worried that $20 (or less) would seem super cheap for a gift. But, I’ve realized that the gift itself isn’t what matters. It’s the time and thought…

  • Looking to save money on a low income? You're in the right place! Here are 60 money-saving hacks to try.

    60 Creative Ideas to Save Money on a Low Income

    Looking for ideas to save money but it seems hopeless because your budget is so tight? It can be SO hard to save money on a low income, I should know! There was a while there where my husband and I were NOT managing our finances very well, living on one income, and slowly sinking further and further into debt. It felt like we couldn’t afford our daily expenses, let alone put any money away!  But then we started a budget and got creative with ways to save money. And, while we’re nowhere close to perfect we’ve actually been able to start saving money!! If you’ve been wanting to start building…

  • Mind blowing research that points to the best way to get out of debt

    The BEST Way to Get Out of Debt: Read This Mind-Blowing Research

    If you’re like me, you really want to get out of debt but you’ve heard SO many different suggestions that it’s all a bit overwhelming.  Getting out of debt is a huge goal my husband and I have right now. We’re making big sacrifices in order to have a couple hundred buck to pay back with each month. So believe me, I don’t want to be putting all that work in and then not paying off debt in the most effective way.  I’m guessing you’re the same. Who wants to waste time and money doing something that doesn’t work? Luckily, neither of us have to wonder about the best way…

  • 9 Ways to Make More Money From Home

    Earn Extra Cash From Home With 9 Easy Ideas

    If you’re like me, you’re always looking for ways to earn extra cash from home. With little kids roaming around I want to be home with my babies. To make that work I’m always looking for new was to make money without a job – well, at least not a traditional full-time job. So I’ve made a list of ideas to help! Now, let me be honest here, the ideas below will not make you rich (some are better than others though). But I’m at a stage of life where even a hundred dollars a month makes a HUGE difference. And luckily, these ideas below could definitely earn you $100…

  • Want to save money? Here are 5 easy to do money saving challenges.

    5 Easy Money-Saving Challenges You’ll Wish You’d Tried Sooner

    Need to save some money but not sure where to start? Then this list is perfect for you! These 5 different money saving challenges can help you save for anything. And – the best part – they’re actually realistic and doable. Yes, you might have to give up your daily Starbucks, or the lunches out, but a few sacrifices here and there will have you to your goal in no time. 5 Easy Money Saving Challenges 1. Save over $600/year with PENNIES Save over $600 with this print out by myorganizedchaos.net. It’s cute, easy to track, and practical – especially when cash is tight. If you live in a country that doesn’t…

  • Budget Motivation Tips to Help You Stay on Track

    3 Budget Motivation Tips to Help Keep Your Finances on Track

    What do you do when you’re broke, stressed to the max about money, and want to give up on your budget? You implement these budget motivation tips! Although it might be tempting to throw in the towel, say, “To heck with it!”, and go on a spending spree or have a good old fashioned breakdown, those don’t help you feel better in the long run. Luckily, spending like crazy and breaking down aren’t your only options when you’re feeling the budgeting blahs. Instead, try this three-step process, and don’t give up on your budget. Don’t Give Up on Your Budget! 3 Budget Motivation Tips. Step 1: Take a break Sometimes you…

  • Try These 3 Quick Tips for Better Budgeting

    Don’t be discouraged if you’re having a hard time budgeting. If it were easy we’d all be a lot richer. So, whether you need some quick wins or you want to strengthen your game, here are 3 easy-to-follow tips to try. 3 Quick Tips for Better Budgeting 1. Weekly Accounting I’ve found weekly accounting to be a really important part of my budgeting process. Here’s how it works: I pick a day (Sunday for me) and a general time (after my kids go to bed) when I’ll enter all my expenses into my budget spreadsheet.  I open up my online banking and go to the transactions page for my checking…

  • Before buying my first home I wish I would have known this!

    13 Crucial Things to Consider When Buying Your First Home

    Buying your first home is an exciting (and nerve wracking) time. You’re finally ready to put down roots and you’re committing to it in a big way. While you’ve probably been up to your ears in mortgage meetings and lawyer consultations, how much attention have you paid to what the details of actual home ownership looks like? When buying my first house I was preoccupied by the excitement of planning my decor and fear that I was committing to a 20 year loan. But, after that buzz died down and I was settled into owning a house, I realized there was a lot more I should have considered when making…