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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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One Trick to FINALLY Stop Overspending

I just realized that I have never shared this hack with you before! Are you ready to learn the trick to finally stop overspending each month? 

Today’s video is short and sweet, but I think you’re going to really get a lot out of it. Because our trick to not overspend is…. Drum roll…

 

One Trick to Stop Overspending

 

One Trick to Stop Overspending NOW

 

Wait no longer, here is the tip. When we need something, I write it on a list and wait for our monthly grocery haul. Yep… that’s it! It seems so simple but I don’t think a lot of people do this. It does definitely take work to stick to this. 

Here is an example. It’s embarrassing what mine and Kennedy’s hair brushes look like. It’s been something we’ve needed to upgrade for a while but it keeps getting bumped to the bottom of the list. You know why? Priorities. 

We had hair brushes that worked okay, so we didn’t see the value in buying new ones at the time. We put our money towards our other values

Which brings me to wondering, have you figured out your value based budget yet? I would love for you to join myself and a community of like minded Pearls in 30 Day Family Finance Rescue. We are going to go way beyond this one tip and teach you how to figure out your own unique values and base your budget on those. Are you in? 

 

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Spend Where You Value Most

I have a secret. Well, maybe not so much a secret but something I have not shared with our Pearls because I didn’t think you were ready to hear it yet. Something about my spending habits. 

But I think it’s time…

We have recently added a monthly expense of $160 to our budget for something that is 100% unnecessary. You know, I don’t feel about it one bit!

Before anyone starts tearing me apart in the comments (I know that those people aren’t true Pearls anyways!), hear me out. I’ll tell ya what the expense is in a sec.

First you need to understand that I believe you need to be spending your money where you value most. You work hard for your money! Your budget needs to be set up in a way that allows you to intentionally put your cash towards achieving your goals.

Without this, your money is going to disappear with nothing to show and your dreams left in the dust. Let’s make sure that this does not happen to you!

How do you know if you are spending your money where you’re supposed to? Do you know how to spend money wisely? You’re going to be surprised by the answer to this question! Continue Reading →

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7 Exciting & Smart Ways to Spend Your Tax Return

Are you one of our lucky Pearls who is getting a refund from their taxes this year? Lucky! I bet you are so excited! I am excited for you! Do you already have plans on different ways to spend your tax return?

There is so much that you can do with that cash!

Would you mind me offering a few suggestions as to what you should do with that money? To be sure you are intentional with those dolla bills and don’t end up wondering where it all went!

What if you could use that tax return to help your family by actually starting to gain traction on your goals?

Think of all the stress it will lift from your shoulders! Think of the excitement and hope you could provide!

Maybe you’re wondering, what is the best way to spend my tax refund? I’m here to tell you that there are at least seven different ways to spend your tax return responsibly AND still keep it exciting and fun! Continue Reading →

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November 2018 Family Budget Update

It’s time for another Family Budget update! In these updates is where I share the nitty gritty details of our real life family finances. All the details of what has happened in our bank account over the last few weeks.

I have been doing these budget update videos for over TWO YEARS! It’s crazy to see how far we have come! 

When we started we were in over $20,000 in debt and living off one income. We figured out how to start and maintain a budget that was based off our goals. This way KEY in keeping motivated to keep going!

If you don’t know where you want your money to take you, then you most definitely will end up walking in circles. Or in other words, living that paycheck-to-paycheck life. The life that we are all trying to escape!

Intentional goal based family budgeting is a major topic that I cover in depth in my online course, 30 Day Family Finance Rescue! I want you to get excited every time you work on your budget. You’re going to get pumped because you know that your budget is helping you reach your goals!

Enrollment is currently not open yet, Coming January 2019, but you can sign up for my free email newsletter to be the first to find out more info when it’s ready for ya! I’ll leave a link for in the description box.

 

 

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In this month’s family budget update, I am going to walk you through all the numbers that went in and out of our family’s bank account. We share all the numbers in hopes of turning on some light bulbs to help you manage your family's finances and set financial goals based off what you guys value most in life! 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 →