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Budgeting

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February 2017 Family Budget Update

You know what was the one thing I always wished someone would say to me as I was trying to decipher the personal finance world? As we were trying to figure out how to get our family budget under control so we could get out of debt and work towards buying our first home!

“Come on in and take a look at our bank account!” Don’t you think that would be nice?

I always felt like if I could see the real numbers of a family in similar situations, it would be super helpful in setting our own family budget.

Real life numbers of a one income family budget! FREE PRINTABLES and VIDEO breakdown of what this one income family does to set a budget while living in one of the most expensive cities in the US. Continue Reading →

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January 2017 One Income Family Budget Update

Wouldn’t it be nice to see the exact numbers of another family’s finances? A family who has successfully paid off over $20,000 of debt on one income. A family who has found a way to live on one income in one of the most expensive cities in the USA.

I know that’s what I wished for back when we were trying to figure out how to make a budget that actually worked for our family.

Which is why we have started sharing our real life family finances with you! Every single month I get on here and lay it all out there, holding nothing back. You can learn how to live on one income by learning from our trial and error to help you achieve your financial goals even faster!

See the real life numbers of our one income family who has made it work in an expensive city, paid off over $20,000 in debt, and is currently putting away hundreds of dollars a month to save to buy their first home. You can learn how to live on one income by learning from our trial and error to help you achieve your financial goals even faster! Continue Reading →

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How to Start a Budget That Won’t Fail

Starting your budget over again? Wondering why your budget isn’t working? When in the world will you be able to get ahead?

About five years ago my hubby and I would find us wondering the same things ever single time we got paid.

Living paycheck to paycheck was getting exhausting and it felt like we would never be able to claw our way out of the endless money pit we were sinking in.

Are you confused on how to start a budget? Have you tried to start a budget before but never figured out how to stick with it? Here are 6 super simple steps on how to start a budget that is customized to your personal finances making it super realistic and easy to follow! Continue Reading →

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December 2016 One Income Family Budget Update

The last month of the year! How has your budget been this year? Did you finish where you wanted?

I would say that my hubby and I are happy with where we ended the year. We don’t have exactly the amount of savings we were hoping for, but if you check out November’s One Income Family Budget Update you will know that we made a decision (on purpose) that we knew would leave our budget where it currently sits.

We are totally okay with that!

And let’s not forget about how our family finished paying off over $20,000 of debt this year! We put in a lot of hard work to become debt free! Lot’s of overtime worked by hubby, strategic budgeting and meal planning, and careful cash spending.

A simple one income family budget helped to save over $5,000 in only two months! Learn how this family has been able to save money for a house, in an expensive city, on just one income. It’s not complicated at all! Here are the exact numbers from our family bank account! Continue Reading →

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November 2016 One Income Family Budget Update

Figuring out a family budget can be super challenging, especially if you are just getting started.

The hardest part for our family when we were just getting started was learning that we need to continually be adjusting our budget to make it fit with our changing life.

This month our family budget is the perfect example of that. We made a few temporary changes based off of what we currently value the most.

Tell your money where you want it to go with this FREE family budget worksheet printable AND FREE digital excel spreadsheet download. Take a look at the real life finances of a one income family budget to help you fine-tune your own family’s budget! Continue Reading →

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Our Debt Free Journey out of $20,000 Debt on One Income

This post contains affiliate links at no additional cost to you. Thank you for using my links to help support Pennies Into Pearls. 

Debt can be crushing, discouraging, suffocating, distracting, and depressing all in one breath! It doesn’t matter how much debt you are in, it is prison!

I know very well the physical and emotional expense debt can have on a person. Our family had racked up over $20,000 in debt! Oh. Oh no! I’m getting lightheaded just thinking about it!

Oh but wait! Never mind. I’m okay! That’s right… as of October 20, 2016 our family is completely DEBT FREEEEEEEE!!!!!!

This family shares all the details of their journey to paying off $20,000 in debt in just 12 months! Plus 2 BIG mistakes they would change if starting over their debt free journey that can help you SAVE THOUSANDS when paying off debt! Continue Reading →

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Meal Planning on a Budget – FREE Printable Toolkit

When you are really good friends with someone, you want to do nice things for them. Which is why… ta-da! I have put together this meal planning on a budget toolkit for you, my Pearls! 

This is the exact method our family uses for meal planning on a budget that has saved us over $6,000 this last year! That is based off of an already frugal lifestyle. If your family is in the beginning stages of cutting your expenses, I am sure you will be able to save even more money then we have!

Stay on budget and organized with this FREE PRINTABLE Meal Planning on a Budget Toolkit. Easily save over $500 this month by using this step-by-step guide on how to meal plan on a budget. This is the exact system our family of five uses to save thousands of dollars each year, simply through meal planning!
Continue Reading →

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October 2016 One Income Family Budget Update

Raise your hand if you have debt… Don’t by shy because there is a good chance that pretty much everyone reading this article is right there with ya!

That nagging payment you have to make every, single, month! It is so irritating to be paying someone else money and not getting anything in return! Right?!

Not only are you paying back money that you have already spent, but you are actually paying back more money than you borrowed because of the crazy amount of interest you are paying. Blah!

Okay, deep breathes and let’s move on!

How a simple one income family budget helped pay off almost $20,000 in debt in less than one year! If you are overwhelmed by debt and are trying to live on one income, learn from this family how to pay off debt quick and on just one income! Learn how to pay off debt on a one income family budget. Continue Reading →