All Posts By

Brittany Cooper

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What to do When You Are Behind on Bills

How can you start taking control of your finances if you are behind on bills? Where do you start? 

If this is you, I’m betting that you are feeling completely hopeless and don’t realize what an amazing future you can actually have for your family!

The process of getting on top of your bills is actually not that complicated at all. Today I am going to show you step by step what you need to do to take control and get on top of your bills.

Doing this is going to open your eyes to your potential for reaching some seriously amazing goals for your family!

This is what to do when you are behind on bills and how to never let it happen again. Here are 8 steps to take when you are behind on bills to help you get things under control quickly. Continue Reading →

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July 2019 Meal Plan & Grocery Haul

This grocery haul on a budget post is sponsored by Fetch Rewards. Thank you for supporting Pennies Into Pearls by using my links at no additional cost to you. 

Did you know that our family goes grocery shopping for an ENTIRE month’s worth of groceries all in one day? No joke! If it can stay in the fridge freezer or pantry for 30 days, we buy it all in one morning.

I’m sure you have a bunch of questions. What about fresh produce and meat? How do you have enough cash to cover it all? I put together another post that answers all those questions and you can get the details right here.

In today’s post I am going to walk you through how we are sticking to a $400 monthly budget for our family of five and sharing tips on how you can easily save money on your groceries too!

Grocery shopping on a budget doesn’t mean that you only eat beans and rice. Watch this real life Costco grocery haul and Target grocery haul. Continue Reading →

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Your Frugal Living Questions Answered

The other day on Instagram I requested all our Pearls to ask this frugal living mama anything. You ladies came up with some really fun questions!

Some of the questions are related to family finances and some are random questions related to our everyday life. At first I thought I might leave those ones out, but on second thought left them in.

On some level, every decision we make can boil back down to our core values of frugal living. From the kind of hair products I choose to use to the worries of my husbands job. They all play a role in the decisions we make with our finances.

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When learning about frugal living there are so many questions that run through your head. Continue Reading →

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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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Pearl Life Interview #2 – Norma’s Real Life Budget

Be prepared to be motivated to take control of your family finances! This is your opportunity to see a real life budget from one of our real life Pearls! Our Pearl Norma is putting it all out on the table in order to help inspire and motivate all our other Pearls to keep going!

When you are trying to end living the paycheck to paycheck life, there are going to be some hard decisions to be made. Norma shares how her and her family have worked through this exact thing!

 

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Be prepared to be motivated to take control of your family finances! This is your opportunity to see a real life budget from a real life mom and wife all about their real life family budget. This mom is putting it all her budgeting tips and real life experience on the table in order to help inspire and motivate all our other moms and wives to keep going! Continue Reading →

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30 Day Family Finance Rescue OPEN FOR ENROLLMENT!

Do You Have an Inheritance?

Nah. I don’t either…

Some people might “get lucky” or be blessed with an insanely wealthy inheritance. As for the remainder of us average Janes, it is vital that we get this finance thing figured out. Our family’s future literally depends on it!

Tough love alert!

Once you allow yourself to get over the pity party and perform a self-diagnosis of what negative money mentalities are holding you back, that is the moment you direct your family on to the course working towards an insanely exciting future.

Continue Reading →

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June 2019 Meal Plan & Grocery Haul

This summer 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!

Summer time is when things can go a little haywire with your meal planning. That’s why I am dishing up these delicious grilling and summer inspired recipes that will help you feed a crowd! It’s time to say goodbye to the cozy meals and hello to the light, fresh and grilled fare we enjoy during a picnic or cookout!

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