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Budgeting

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5 Tips for Back to School Shopping on a Budget 2019

This back to school shopping on a budget post is sponsored by Ibotta. Thank you for supporting Pennies Into Pearls by using my links at no additional cost to you. 

Do you have a list of school supplies sitting on your counter staring you straight in the face? Holy cow! All those little purchases can add up crazy fast! Which is why I am your girl to show you how to do back to school shopping on a budget.

Use these back to school shopping on a budget tips and you can send the kids to class feeling confident that they are fully stocked up with school supplies and ready for a new year of learning! Back to school on a budget doesn’t mean going without, these tips will show you how to save money on back to school so you can buy what your kids need. Continue Reading →

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6 Tricks to Save Money on Vacation BEFORE You Go

Have you ever been on vacation with your family and realized you went WAY over budget? Did you notice it was probably on a lot of little things adding up, that you hadn’t planned for? The thing is, you CAN save money on vacation before you even leave!

We have done this so many times I’ve lost count. I know the feeling well. Your trip was supposed to be relaxing and fun, but you came home feeling stressed because the finances are still following you.

Today I am sharing my best tips and reminders about the SURPRISING ways that you can save money and stress before you leave for your vacation! 

Do you tend to overspend on your vacations? I have 6 Money Saving Hacks for Your Next Vacation that are sure to be useful for you. These tricks have helped our family save hundreds of dollars.
Continue Reading →

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Living Debt Free in a High Cost of Living Area

We live in one of the most expensive cities in the United States. Home prices continue to increase faster than most other major cities, but the high expenses don’t stop there. Utilities, transportation, food, healthcare, and taxes all on average are higher in this beautiful city. This post contains 5 ways to live debt free in a high cost of living city. 

Despite those odds stacked against our wallet, there are a lot of opportunities to save money and grow our side incomes while living in a high cost of living area. 

 

When living in a city with a high cost of living, it’s especially a huge help to know ways to save money. These 5 tips to save money when living in a high cost of living area will help you stretch your money. Continue Reading →

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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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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 →