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savings

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7 Savings Accounts Your Family Will Be Lost Without!

Did you know that your savings goals could be pointless if you don’t have more than one savings accounts? Mass financial destruction is caused by unorganized savings accounts!

This doesn’t have to be you! There is a simple solution to help you start reaching your financial goals! It’s as simple as separating your savings into multiple savings accounts!

Our family currently has 7 and counting…

Did you know that your savings goals could be pointless if you don’t have more than one savings accounts? Mass financial destruction is caused by unorganized savings accounts! This doesn’t have to be you! There is a simple solution to help you start reaching your financial goals! It’s as simple as separating your savings into multiple savings accounts! Continue Reading →

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Family Savings Plan Update November 2015

Have you read about our family’s plan to buy a house in two years? We are really excited about our future and want to share everything we learn with you!

There are so many things that need to be done before we are ready. Two of the main items of business are 1. Paying off our debt and 2. Saving for a down payment.

In order to accomplish those goals we are going to need and be super creative on ways to live frugal and fabulous! My hope is that by sharing our family savings plan successes and failures, you can learn from our experience, which will make the process a lot more smooth and easier for you!

Family Savings Plan Update November 2015 - penniesintopearls.com - Real life family savings plan. Learn from our successes and mistakes. Learn tips and tricks to starting your own family savings plan. Continue Reading →

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Why I’m Doing a Savings Challenge #31DaysLWSZ

Who has heard of Ruth Soukup’s money saving challenge called “31 Days of Living Well & Spending Zero” challenge?

If you want to jump start your savings and/or your budget then you will want to sign up for this savings challenge! Leave a comment below if you are joining and we can help each other make it the entire 31 days!

You can go to Living Well Spending Less to get entire details and actually sign up. But let me tell you in a nutshell, what this savings challenge is all about.

Why Im Doing a Savings Challenge -penniesintopearls.com - #31DaysLWSZ Find out why YOU need to do this savings challenge with me! This savings challenge is going to save you big bucks! Continue Reading →

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May 2019 Family Budget Update

How do you manage a family budget when life gets busy? It feels like you don’t have the time to sit down and write out where you want your money go. Do you know what I’m talking about?

Man O man! It has taken some major dedication for hubby and I to set aside the time for our family budget these past few months.

We have been busy with birthday month (3 out of the five of us have birthdays within weeks of each other) and preparing for doors to open to my online course 30 Day Family Finance Rescue.

And I know you know all about the random crazy that comes with a growing family! The irregular appointments, meetings, and activities that pop up and seem to throw your entire weeks (and subsequently month’s) schedule totally out of whack!

I am here to tell you that if you can relate to anything I just said, then you are too busy to NOT budget. When life gets crazy, it is all the more important to do regular budget dates!

In this month’s family budget update I am going to not only walk you through the exact numbers that have gone in and out of our bank account, but I will also share with you what we have done to balance our family finances while living through several crazy busy weeks!

See a real life family budget with all the numbers shared in one place! See the mistakes and lessons learned from managing a family budget. Lots of tips useful for budgeting for beginners and anyone trying to stop living paycheck to paycheck. Continue Reading →

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Our Family Finance Rescue Story

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

I know how it feels! The weight of all your financial worries makes you feel like you can barely tread water for one more second before your head goes under! You find it mind baffling that for some unknown TO YOU reason you can not stick to a budget even if your life depended on it.

I am talking about how we got our family finance in order and paid off $20k in debt and how there is hope for you too! I’m sharing my secrets and giving you a dose of serious motivation to get started with your family finances in 2019! Continue Reading →

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5 Ways to Be Sure Your Budget NEVER Fails!

Failing is good!

I’m so glad we failed when we did! No joke. The fact of life is that we are not going to be perfect at most things. Especially not the first time we give them a go.

Here’s the thing, I am a huge believer that there is something to be gained, a positive, an upside, however you want to word it, there is always something to learn from every experience. No matter what!

You get to choose. Do you want to continue down the Debbie Downer road, or are you going to learn from you mistake and make sure that you do better next time?

Take it up a notch, not only are you going to do better next time, but you are going to rock it out of the park!

 

Are You Failing?

You’re not going to be perfect with your finances. There is always going to be room to grow. SO GROW!

One of my favorite quotes from “Girl Stop Apologizing” by Rachel Hollis is, “Failure means that you’re living. Failure means you’re trying.”

Keep trying! Don’t you give up because it got a little uncomfortable!

The only way for you to truly fail is if you let the struggle paralyze you from moving forward. The only way you will fail is if you don’t keep going!

When budgeting for beginners it can quickly become overwhelming and you find yourself feeling defeated and a budgeting failure. YOU’RE NOT! Here are five budgeting tips that will help you know how to fix your budget and never fail ever again! Continue Reading →

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How to Start Paying Off Debt

Debt is such a burden! Borrowing money from one person to pay another is a horribly stressful way to live your life. Aren’t you sick of it yet? How to start paying off debt can feel like an overwhelming thought.

The constant weight of the worry “what if” that you carry around on a daily basis. Think of the full breath of fresh air you can inhale once you get that off your back!

But where do you begin. What is step one and where do you go from there? That is exactly what we are going to be chatting about today.

Related Articles:

Learning how to payoff debt is simple with these 5 Tips to Payoff Debt QUICK! It doesn’t matter if you are a low income or one income family, this is how to start paying off your debt fast.

Continue Reading →

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Monthly Meal Planning on a Budget – April 2019

This meal planning on a budget post contains affiliate links at no additional cost to you. Thank you so much for supporting Pennies Into Pearls by using my links!

Meal planning is one of two major game changers when it came to our family once and for all sticking with our budget. It is what helped our family go from spending over $1,000 a month on food down to $400!

Follow along in our monthly meal planning and grocery shopping to get tips and ideas to help your family do meal planning on a budget.

Meal planning is the number one way to cut hundreds of dollars from your grocery budget! Use this FREE PRINTABLE meal plan on a budget with clickable recipes and forget about all the hard work. Use these tips for meal planning on a budget and start saving on your grocery budget ASAP! Continue Reading →