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Budgeting Tips

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How to Get One Month Ahead of Your Bills in Less Than 30 Days

The bills keep on coming! Unless you are an extreme minimalist who lives off your own land and built your own self-sufficient solar energy system, you are pretty much guaranteed every single month to have to pay up.

And even if you are such a minimalist, you are still going to have to pay land taxes.

Though, that type of self-sustaining life does sound a bit nice. Doesn’t it?

My point is, for the majority of us, we have to pay the bills! This mandatory task can become extremely stressful when you are living paycheck-to-paycheck.

How to Get One Month Ahead of Your Bills and Stop Living Paycheck to Paycheck 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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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 →

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When You Suffer from Budget Burnout

There once was a day, a day before I really knew what a budget actually was, where I felt ready to slam-dunk my budget in the trashcan at the end of the month! I was SO over it! Sticking to a budget had become exhausting and I felt like I was living a very limited life. Have you ever felt like that?

Do you want to know the secret to avoiding budget burnout? When I say that I don’t get burnt out anymore, I am not lying! I want to share with you my secret so you can say the same thing!

The secret to avoiding budget burnout isn’t complicated and it’s actually going to make you very happy! The secret is to budget to have fun!

The secret to NEVER suffering from budget burnout ever again! This is how to keep your life fun while still living on a budget. Continue Reading →

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I’m So Glad You Are Here!

With it being a new year and there are a lot of new faces around here, I thought it was time to update my “about video”. I get a little excited when I start talking about living frugal AND fabulous!

I am super excited to meet you and I hope that you enjoy this video! If you are looking for fun and informative videos on how to live frugal and fabulous then you don’t want to forget and SUBSCRIBE HERE to my YouTube channel. 

While you are still here, take a look around the blog. Here are a few places you might want to start:

Casual Couponing 101
Cheap, Easy, and Beautiful DIY Tutorials
Gourmet Tastes on a Budget

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The Best Way to Start the New Year

Happy Sunday!

Doesn’t it feel great to have a fresh start at the beginning of a New Year? Sundays are the beginning of a new week and the perfect day to rejuvenate for the upcoming week. That’s why I like to share little motivational thoughts on Sunday.

We all have crazy busy lives and way to many things to think about. Make sure you take Sunday as your day of rest so you can be better prepared for your week. 

It really doesn’t matter what your goals are for the New Year. You are going to be more likely to achieve those goals if you have a positive attitude!

You can download this FREE printable by clicking the image, then right click and “save as”.

"Go forward in life with a twinkle in your eye" Gordon B Hinckley Quote
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Happy New Year… 2016 Sneak Peek!

Isn’t the New Year so inspiring and motivating? There is something special about the beginning of a New Year and all the possibilities of change and improvement!

Have you set any goals for the New Year? Let me know in the comments bellow! Sharing goals makes them a little more real and keeps you a little more accountable. I personally love hearing other people’s goals because their goals motivate me to do better!

Are you feeling like this is the year you want to live frugal AND fabulous?!

This is my favorite website / blog for learning to live frugal and fabulous! Best tips for frugal living and having a fabulous life! Continue Reading →