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no spend

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January 2017 No Spend Month Invitation

I want to invite to you save hundreds of dollars with me next month!

Do you want to know how you are going to do it? Easily, with a no spend month!

The first time our family did a no spend month, I was shocked at how easily we saved over $500! That was on an already super frugal budget.

Imagine how much money could save! I would not be surprised if most of you save over $1,000 by joining our family in a no spend month!

Check out this video to get more details on January 2017 no spend month and exactly why our family is doing it.

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What to Expect and How to Prepare for a No Spend Month

Stay away from the pretty red bullseye! As much as it pains me to say this about my very most favorite store, Target. But it is probably a good idea for you to stay clear, just for the next four weeks.

The temptation of the perfectly cute banners, poka dot straws, and other pretty trinkets in the dollar spot is extremely too tempting for myself. It’s just better for my personal mental state to keep my distance during this no spend month.

Let’s have a moment of silence please…

Don’t worry Target, we will be back ASAP!

Do you know what a no spend challenge is? Let me show you how our family cut over $400 out of our monthly budget all by starting our first ever no spend month and how YOU can save even more money! Continue Reading →

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November 2018 Meal Plan & Grocery Haul

This post about our family budget meal plan contains affiliate links at no additional cost to you. Thank you so much for supporting Pennies Into Pearls by using my links!

November is the start of the holiday season! It’s the time when things can get out of control with your meal plan and food budget if you’re not careful. Family gatherings, treats at the kids school, or parties with friends, it can all add up!

This month, I am committed to sharing with you how my family deals with all of these  “unforeseen” events and plans for them as much as possible.

Use this family budget meal plan this November and feed your family for under $520! You will start to save money on groceries as soon as you use this family budget meal plan! Continue Reading →

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10 Holiday Shopping Money Saving Tips Every Mom Needs to Know!

Thanks so much to Annabelle from the blog Wunderlabel for sharing all her holiday shopping money savings tips with us!

Tis the season and that means it’s time to give gifts to all your family and friends. However, that ache in your wallet can be relieved a bit when it comes to buying presents and preparing.

Before you get your bows and tags out, there are some holiday shopping money savings tips that we have for you save the very most money this season! In this article, make sure to give every tip serious consideration. It’s the little changes to spending habits that make a big impact on your wallet.

10 Holiday Shopping Money Saving TIps Every Mom Needs to Know! 10 Holiday Shopping Money Saving TIps Every Mom Needs to Know! Continue Reading →

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November 2017 Meal Plan & Grocery Haul | Grocery Shopping on a Budget

This post contains affiliate links. Thank you for supporting Pennies Into Pearls by using my links!

When you are grocery shopping on a budget, navigating the grocery world can become redundant and boring. Mindlessly walking through the aisles, buying the same boring food that you did last time.

That’s why I personally LOVE seeing what other families put on their meal plans and what products they choose when they shop at places like Costco.

This month our goals in grocery shopping on a budget were to try our best to stay away from foods that were overly processed and stick with products that contained more natural ingredients. All while sticking to our monthly grocery shopping budget of $300.

$400 November 2017 Monthly Meal Plan | How to Meal Plan on a Budget Continue Reading →

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November 2016 One Income Family Budget Update

Figuring out a family budget can be super challenging, especially if you are just getting started.

The hardest part for our family when we were just getting started was learning that we need to continually be adjusting our budget to make it fit with our changing life.

This month our family budget is the perfect example of that. We made a few temporary changes based off of what we currently value the most.

Tell your money where you want it to go with this FREE family budget worksheet printable AND FREE digital excel spreadsheet download. Take a look at the real life finances of a one income family budget to help you fine-tune your own family’s budget! Continue Reading →

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A Shopaholic’s Guide to Becoming Debt Free – First Ever Book Club Party Announcement!

I have a fun idea for us to hang out!

What do you think about once a week, we get together, eat something super tasty, pretend like we don’t care how many calories we are devouring, and all the while we have some heavy (in a fun way!) girl talk going on!?

The chitchat will all be centered on a few chapters taken from the current book that we are obsessing over.

Doesn’t that sound super fun! I’m a lot excited about it! What a great way for us to better get to know each other?

Our first book is THE PERFECT read for someone who needs a heavy dose of shopaholic’s anonymous! It’s for someone whose desire to spend is borderline addiction.

You need to break the pattern of endless online shopping and figure out how to pay off debt quickly so you can get your financial freedom back! Fresh air! Actionable steps you can take today to get out debt and take back control of your spending! Continue Reading →