• 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…

  • Crucial Money Questions for Couples Before Marriage (and After)

    “Will you marry me?” isn’t the only question that should be popped when taking your relationship to the next level. Only ⅓ of couples talk about important money questions before moving in together or getting married. Yet, money problems are cited as the biggest cause for divorce or separation. So, before taking the next relationship move, talk about your finances. Not just about the budget for whatever celebration you want, but about how money influences you and your relationship. While it’s best to ask these questions before you make a big commitment to someone, you can also ask these questions if you’re ALREADY married or committed. Regardless of your situation, it’s…

  • Desperate to Pay off Debt? Avoid These Mistakes

    As much as we admire the debt-free, financial-freedomers, most of us will have to deal with debt at some point. Regardless of the reasons for your debt, owing money is NO FUN. But, good news, being in debt doesn’t have to last forever! If you’re desperate to pay off money the quickest way possible, here are some pointers that might just help you avoid a big mistake. Desperate to Pay off Debt? Avoid These Mistakes 1. Not Making a Plan Planning to repay your debt can feel so overwhelming, especially if you owe a lot of money. But not making a plan will slow you down big-time. As hard as…

  • My honest opinion of the Instant Pot after two years

    Is an Instant Pot Worth It? My Honest Opinion After 2 Years

    I got my Instant Potabout two years ago, and it’s slowly worked its way into my regular kitchen routine. It’s like the faster version of a crockpot. And while slow cookers still have their place, they are NOT for supper procrastinators (and I’m one of those). If you’ve ever asked yourself, “Is an Instant Pot worth it?” you’re at the right place. I’m here to tell you about Instant Pot pros and cons I’ve experienced over the past couple of years so you can see if this kitchen tools is right for you! And, spoiler alert, I’m pretty pro Instant Pot. This appliance really can save you money and cook your…