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Budgeting Tips

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5 Ways to Be Sure Your Budget NEVER Fails!

Failing is good!

I’m so glad we failed when we did! No joke. The fact of life is that we are not going to be perfect at most things. Especially not the first time we give them a go.

Here’s the thing, I am a huge believer that there is something to be gained, a positive, an upside, however you want to word it, there is always something to learn from every experience. No matter what!

You get to choose. Do you want to continue down the Debbie Downer road, or are you going to learn from you mistake and make sure that you do better next time?

Take it up a notch, not only are you going to do better next time, but you are going to rock it out of the park!

 

Are You Failing?

You’re not going to be perfect with your finances. There is always going to be room to grow. SO GROW!

One of my favorite quotes from “Girl Stop Apologizing” by Rachel Hollis is, “Failure means that you’re living. Failure means you’re trying.”

Keep trying! Don’t you give up because it got a little uncomfortable!

The only way for you to truly fail is if you let the struggle paralyze you from moving forward. The only way you will fail is if you don’t keep going!

When budgeting for beginners it can quickly become overwhelming and you find yourself feeling defeated and a budgeting failure. YOU’RE NOT! Here are five budgeting tips that will help you know how to fix your budget and never fail ever again! Continue Reading →

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How to Start Paying Off Debt

Debt is such a burden! Borrowing money from one person to pay another is a horribly stressful way to live your life. Aren’t you sick of it yet? How to start paying off debt can feel like an overwhelming thought.

The constant weight of the worry “what if” that you carry around on a daily basis. Think of the full breath of fresh air you can inhale once you get that off your back!

But where do you begin. What is step one and where do you go from there? That is exactly what we are going to be chatting about today.

Related Articles:

Learning how to payoff debt is simple with these 5 Tips to Payoff Debt QUICK! It doesn’t matter if you are a low income or one income family, this is how to start paying off your debt fast.

Continue Reading →

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3 Hidden Reasons Why You Aren’t Good at Budgeting… YET

We’ve all been there, Pearl. You set a budget with all the best intentions, then BOOM, budget is blown in an instant. And it happens over and over again. How does someone get started, and actually stick to their budget? Your budget is failing!

It’s definitely not a cake walk, though I wish it were because that would be more enjoyable.

The part that a lot of people miss is that there is a mindset you have to have around money to become successful. You have to change how you think, feel and act around money, to start to see momentum build up behind you, pushing you towards your goals!

Creating a positive money mindset is vital when it comes to staying on budget! The problem is most likely you have some not so obvious hurdles that keep pushing you off track. Resulting in your budget failing over and over again.

Let’s uncover those hurdles so you can start crushing them!  

 

When budgeting for beginners it can quickly become overwhelming and you find yourself feeling defeated and a budgeting failure. YOU’RE NOT! Here are five budgeting tips that will help you know how to fix your budget and never fail ever again! Continue Reading →

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Pearl Life Interview #1 – Missy’s Real Life Budget Strategies

This is going to be fun! I am so happy to introduce you to a brand new series here on Pennies Into Pearls where you get a look into another Pearl’s real life budget strategies and life lessons that they have picked up along the way.

Learning how other families are making it work is always a top way to keep our own motivation. When working through your own financial rescue for your family, I want these Pearl spotlights to offer you encouragement to keep going!

As you watch these real life budget talks, pay attention to strategies and tips that you can try out with your own family finances. Is there something our Pearl has done that you could adjust a bit to customize for your own family budget?

Is there an easier way to learn all the budgeting basics than to take a look into a real life budget from another family? I don’t think so. Seeing how another family is making it work in real life offers so many useful budgeting tips! In this VIDEO you will learn budgeting for beginners tips that will help you start reaching your family’s financial goals! Continue Reading →

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7 Exciting & Smart Ways to Spend Your Tax Return

Are you one of our lucky Pearls who is getting a refund from their taxes this year? Lucky! I bet you are so excited! I am excited for you! Do you already have plans on different ways to spend your tax return?

There is so much that you can do with that cash!

Would you mind me offering a few suggestions as to what you should do with that money? To be sure you are intentional with those dolla bills and don’t end up wondering where it all went!

What if you could use that tax return to help your family by actually starting to gain traction on your goals?

Think of all the stress it will lift from your shoulders! Think of the excitement and hope you could provide!

Maybe you’re wondering, what is the best way to spend my tax refund? I’m here to tell you that there are at least seven different ways to spend your tax return responsibly AND still keep it exciting and fun! Continue Reading →

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Our February 2019 Family Budget Update

Man it’s been a minute since we share our family budget update and holy cow a lot has happened since I last took you into our bank account! I have a lot to share with you this month!

I also really want to know what information I can share that would be most helpful for you and your family. So stick around and we can chat!

With all the extra holiday spending and budgeting behind us, it’s exciting to look to the New Year with new financial goals! Hubby and I in the process of sigging down with our Financial Unity Workbook and and planning our 2019 goals around what we currently value most for our family finances.

Starting a family budget doesn’t have to be restrictive! Look at it in a way that you are actually telling your money what to do rather than wondering where it went. Then not having enough to pay the bills… Stressful! Make sure to continuously check out my Instagram Stories for helpful budgeting tips!

 

Getting back on track after the holidays is HARD! The crazy thing is that it doesn’t stress me out at all! Starting a family budget doesn’t have to be restrictive! See how our family learns to budget every month. Continue Reading →

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6 Ways to Get Your 2019 Financial Goals in Order

This setting financial goals post contains affiliate links at no additional cost to you. Thank you so much for supporting Pennies Into Pearls by using my links!

Hey Pearl! 2019 is here and it’s a GREAT time to sit down and really get your goals set for this year. We could set all kinds of personal goals, but I am here today to help you set your money goals for 2019.

Let’s reflect on 2018 first, shall we? What were your financial wins and loses last year? Is there something that you are doing particularly well, and areas that could use improvement?

Write them down! Now, let’s dive into the 6 best tips I have for setting financial goals for 2019!

Make sure you also follow me on Instagram where I often share stories talking about creating a budget, like these. 🙂

Related Articles:

Our Budgeting Basics

5 Money Questions for Debt Free Living

When You Suffer from Budget Burnout

 

We will be talking about setting your financial goals to support your overall dreams! If your financial goals support your dreams, you will be much more likely to stick to them. Let’s dive deep and get those dreams realized!

 

6 Steps to Financial Goal Setting

  1. What do you value?

What is valuable to you in your life right now? It may be spending time with friends, getting outdoors, working out, cooking meals? Once you know what you value, you’ll be better equipped to set your financial goals to help facilitate those values in your life.

  1. Brainstorm Your Dreams

I want you to list out ALL of your dreams, whether they are fiancial or not. Once you know what dreams you have for your future, you can create financial goals that lead you in the right direction! Make a list of 5 dreams you have for the next year, 5 dreams for 5 years from now, and 5 dreams for 10+ years.

  1. Prioritize Those Dreams

Now that you have a big “brain dump” of your dreams, let’s narrow it down. Prioritize and get down to the 3 most important dreams for the next 1, 5 and 10 years. Pick 3 dreams for each time period. From here, we are going to start to make a list of actionable steps to take for each dream you have. Where do your goals and values align? Make sure every goal you choose reflects what you value most.

  1. Top 3 Life Goals

Now we are going to dive in even deeper. Let’s narrow it down to your top 3 goals for your whole life. Don’t focus on anything else but three at a time. I know this is a hard step, but its so important to help drive you towards making financial choices that help you get to your dreams the fastest.

  1. Get specific

For each of these 3 top goals write down:

  • What the goal is
  • Why it’s a priority and why it makes the cut and deserves your attention
  • Write down any potential obstacles that might stand in your way
  • What financial baby steps will help you achieve your goal. Write them down.
  • Give it an ideal due date
  1. Reevaluate Regularly

Now that we have these goals, and steps to reach them, you’re going to reevaluate every 6 months to see where you’re at with achieving them. You’ll be able to readjust at this time. For example, lets say your top goals were getting better at meal planning, saving for a vacation and spending more time outside, but then you had a baby. Now you may shift to saving for college for that child in the future. Our priorities change from time to time so make sure you’re adjusting as you go.

Setting big, lofty goals can be really challenging. I expect this to take you some time to work through. But having these goals laid out is going to give you an excellent starting place for building a goal based budget. Another thing that will help is taking one of my FREE webinars coming up this week and next!

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November 2018 Meal Plan & Grocery Haul

This post about our family budget meal plan contains affiliate links at no additional cost to you. Thank you so much for supporting Pennies Into Pearls by using my links!

November is the start of the holiday season! It’s the time when things can get out of control with your meal plan and food budget if you’re not careful. Family gatherings, treats at the kids school, or parties with friends, it can all add up!

This month, I am committed to sharing with you how my family deals with all of these  “unforeseen” events and plans for them as much as possible.

Use this family budget meal plan this November and feed your family for under $520! You will start to save money on groceries as soon as you use this family budget meal plan! Continue Reading →