What do you do when you have unexpected expenses? As you’ll see in our budget below, we try to plan ahead by adding to sinking funds for specific purposes. By adding money to each of these categories every month, we build up sums of money that will come in handy when those expenses come up. […]
Frugal Feats, Flops, and Funnies- Owl Edition
Both my husband and I grew up with frugal parents, so we come into frugality naturally and it has served us well. Carefully and intentionally minimizing expenses was a huge part of how we were able to pay off six figures of student loan debt in three years. I love helping people learn to be […]
Our Secret for Saving on Heating Bills (+ 8 More Money-Saving Strategies)
It’s finally starting to cool off and feel like fall here! Aside from being soup and sweater season, another lovely thing about fall is that utility costs are lower because you don’t have to pay to to cool or heat your house. Stretching this low utility cost season even further is one of our number […]
5 Ways we’re saving for a family vacation (without using our own money)
It sounds pretty crazy to save for a vacation without using our own money. No, we’re not stealing! And we’re not using anyone else’s money. But I want to see how much we can save creatively from money that isn’t our regular income. Hear me out! We have something exciting planned for our family in […]
Transparent Family Budget Update – September 2024
I always look forward to going through our budget at the end of the month. When we look at our budget at the end of the month, we aren’t looking to see if we matched our spending up exactly with the amount we set for each budget category. Throughout the month we track our spending […]
Frugal Feats, Flops, and Funnies
It has been a while since I shared a new edition of Frugal Feats, Flops, and Funnies. As you probably know, the frugal life has its share of adventures. Some of those adventures end with a smile, some with a frown, and others leave us laughing. This is a series where I share some of […]
Transparent Family Budget Update for August
Today I’m sharing our transparent family budget, including all of our spending and earning, from August. If you read my last post, then you already have an idea about the most exciting part of this budget update: we bought a car! While that might be the most exciting, it’s all of the other things in […]
We bought a new car!
Okay, not a new car, but a new-to-us car. If you’ve been following our financial journey, then this probably isn’t a big shock, as we’ve been saving for a new vehicle. We still had a long way to go until we reached our goal amount and we didn’t buy the type of car we had […]
Two-Week Family Trip to Guatemala – Budget vs. Actual Spending
After deciding to take a trip to Guatemala, I immediately got to work making a budget. Rather than just save up a random sum of money and hope it would be enough, I did lots of research and created a meticulous, well-thought-out budget. If you missed it, you can check it out here. Not only […]
July 2024 Transparent Family Budget Update
It’s the time of the month where I tell you how much I love having a budget! Budgets often get a bad rap because some people see them as restrictive, but if you’ve been around here for any length of time, you know that I believe the opposite is true. Rather than being restrictive, a […]
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