Every family has certain expenses they are focusing on lowering. Once you’ve lowered your bills, reduced your grocery spending, and cut out superfluous spending, you can look more closely at even more specific expenses. I don’t know about your family, but our family seems to go through a lot of toilet paper. When I look […]
Budgeting Lessons Learned from Limited Bandwidth
Just hearing the word “budget” probably gets your financial wheels spinning. You may even have a strong emotional reaction – a love or a hate – associated with the word “budget.” Do you ever think of things besides money when you think of budgeting? Any time we have a resource that is limited, we consciously […]
A Year of Expenses– 2014 Annual Spending Totals for the SixFiguresUnder Family
At the beginning of last year, I shared that we paid off $36,000 of debt in 2013. At first glance that seems impossible considering our income was less than $40K, but since it was our first year getting serious about our debt payment we had some savings that we could apply toward our student loans. Our […]
9 Wise Ways to Save Water– Conserving Water for the Wimpy and Hard Core
Originally published March 23, 2015 Whether you want to save water because you’re in a drought, you’re environmentally conscious, or you just want to save money, there are many different ways to conserve water. Some actions take very little effort, while others are more challenging. Whatever your motivation, you can find at least a few changes that […]
Empowering Our Kids to Be Financially Successful
Kallani, a woman from Bangladesh, and her family were suffering from poverty and hunger. The family owned a cow but it didn’t even produce enough milk for her own family, let alone enough to provide a much-needed income. Through the help of the global humanitarian organization CARE, Kallani learned the best ways to feed a […]
Insurance We Do and Don’t Carry– Our Cost, Coverage and Reasons
An essential piece of every financial safety net is insurance. Yeah, I know. Could there be a less exciting topic? Exciting or not, if you find yourself slipping off your financial tightrope, a well-planned insurance strategy can catch you before misfortune becomes catastrophe. Without insurance, a disastrous event could wipe out your savings, use up your […]
An Unconventional Way to Save Money on Student Loan Interest
Anyone who has paid attention to their debts (or investments), knows that interest adds up quickly! In fact, if you made the calculation to find the daily interest you accrue on your debt, you are keenly aware of exactly how much interest is costing you. Paying down the principle is the most obvious way to reduce […]
Things I Won’t Buy Secondhand
Before you purchase something new, do you consider buying it used? One of the ways that I am able to get the best deal on everything is that I always consider buying used first. The savings is tremendous! I have a really hard time paying “new” prices for things now that I am savvy about […]
A Calculation That Will Jump Start Your Debt Repayment
A few weeks ago, there was a discussion in our Facebook group: Making Frugality and Finance Fun about the cost of a day’s interest for your debt. It’s pretty eye-opening to calculate the amount of interest you accrue each day. If you (or your spouse) aren’t motivated to make headway on paying off your debt, breaking down […]
Baby Things You Can Buy Used or Borrow
Over the years, my perspective on what a baby needs has changed. I’ve learned that you can pretty much get away without buying anything brand new for your baby. I’ve always been frugal, but with my first, I was a little more naive when it came to buying things used instead of new. I have […]
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