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.
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!
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!
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.
You have big dreams for your family, but that’s all you believe them to be. Dreams… You keep wondering how to afford your dream life.
You wish for a life without having to worry if you have enough money to pay the bills. You fill stuck with no hope of a brighter future.
What would it be like to live without the weight of your debt on your shoulders? What would your life be like if you could own your own home? What would you be willing to do in order to live out adventures as you travel with your family?
But your stuck thinking, “I won’t ever have a life like that.”
To that I say, WHY NOT?
You have big dreams for your family and today I am going to show you how to turn those dreams into goals and those goals into a goal based budget. You need a financial action plan to get you to your dreams and I am going to show you what needs to be done!
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!
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.
This 20 insanely easy meal ideas post contains affiliate links at no additional cost to you. Thank you so much for supporting Pennies Into Pearls by using my links!
Ever feel like life is moving faster than you can keep up? I feel ya Pearl! Which is exactly why in this month’s meal planning on a budget I have included only meals that are super easy and crazy quick to pull together!