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Budgeting

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Casual Couponing for Beginners to Save Hundreds Each Month

Nobody has the time to do any extreme couponing! But is there still a way to make couponing work with a busy schedule and still save any money? There are a few super simple techniques for couponing for beginners that will help you do exactly that!

I found a way to make couponing quick and still help our family save a chunk of money every month and that’s what I want to teach you today!

15 minutes a week using this system of couponing for beginners will help cut over $100 out of your grocery shopping budget each month! Here are 10 super simple techniques for couponing for beginners that will help you do exactly that! Continue Reading →

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Our Family’s Cash Envelope System Breakdown

There are a few things that will be huge game changers when it comes to sticking to your budget once and for all! The very most important is to start using a cash envelope system!

You remember that stuff right? Cash. It’s that stuff you used to use as currency in exchange for goods or services.

Using cash instead of swiping your debit or credit card every time you step into a store is statistically proven to help you spend less money! I’m guessing that might be a problem for ya.

But you don’t want to just go pull a random amount of cash out of your bank account and head straight to the store with no plan. That could result in financial disaster for you!

 

The very most crucial step in sticking to a budget for your family is to start using a cash envelope system! This example is full of real life numbers from a family’s cash envelope system. Use this as a guideline for starting your cash envelope system for beginners.

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Our Family’s Monthly Grocery Budget

What would your monthly grocery budget look like if you spent it all in one day? That is exactly what I do for our family every single month and I want to teach you how to do the same thing! It’s all part of living the Pearl Life!

Why would you want to do that? Well I guess you wouldn’t be interested in learning this life changing mom strategy if you don’t want to save thousands of dollars each year…

Oh you do!? I kinda thought you might be interested to see what our monthly grocery budget strategy looks like. How about I share some real life numbers with ya?

What would your monthly grocery budget look like if you spent it all in one day? Creating a monthly grocery budget strategy SAVES YOU THOUSANDS OF DOLLARS each year because you will be eliminating unplanned trips to the store to pay full price which also eliminates impulse purchases at check out! Continue Reading →

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Getting Started on a Budget – Our Family’s Budget Basics

When it comes to getting started on a budget that you will actually stick with, there are a few budget basics that need to be established. It’s super simple and you can probably get this done in just a few minutes! I’ll show ya how!

Our family has had to learn the hard way with getting our personal finances on track, but that doesn’t mean you have to!

Learn from our mistakes and our wins and skip the hard part! I am sharing our real numbers today in hopes of painting a clearer picture to help you as you are getting started on a budget.

What you need to do is put yourself in the same shoes and ask yourself the same questions. These budget tips for beginners will help you set the basic groundwork for creating a hugely successful family budget that will not fail!

7 essential basic tips of budgeting for beginners. Get a crystal clear example of getting started on a budget by looking at the real life family finances of a middle class family living in one of the most expensive cities in the US. These budgeting tips for beginners will help you start a budget with motivation and the tools necessary to stay on budget. Continue Reading →

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3 Shortcuts to Talking About Money With Your Spouse – The Budget Date

Let me introduce you to a new way of dating your spouse. It is the single most important date your marriage can’t afford to miss! If you can make the commitment in this moment to learning about and following through with the Budget Date, you will no longer have trouble talking about money with your spouse!   

The idea behind a budget date is simple! Set a regular date where you and your hubby talk about your finances. It doesn’t have to be long and it doesn’t need to be intense. But you need routine checkups to make financial course corrections as your lives change.

But first there are two things we need to address before we get to the shortcuts…

3 shortcuts to help you have a meaningful and successful experience in talking about money with your spouse! These money tips will show you how a 10 minute budget date can set some ground rules that will get your money conversation started and help you to talk about money on a regular basis that doesn’t take up all your time! Continue Reading →