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Budgeting Tips

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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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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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How to Afford the Life You Think is Unattainable

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!

Setting goals is one thing, but how do you actually reach your goals for your family? How can you dream big but still set realistic goals? This is what you need to do in order to set goals, stick with them, and start living an amazing life with your family. Continue Reading →

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May 2019 Family Budget Update

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!

See a real life family budget with all the numbers shared in one place! See the mistakes and lessons learned from managing a family budget. Lots of tips useful for budgeting for beginners and anyone trying to stop living paycheck to paycheck. Continue Reading →

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Our Family Finance Rescue Story

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.

I am talking about how we got our family finance in order and paid off $20k in debt and how there is hope for you too! I’m sharing my secrets and giving you a dose of serious motivation to get started with your family finances in 2019! Continue Reading →