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Mother’s Day Gift Guide 2017 – Gifts for Her Under $25 That Will Make You The New Favorite!

This might be 99% selfish because this mother’s day gift guide is pretty much a wish list for myself. Although, I do consider myself very qualified in creating this gift guide, as I am a mom myself.

BUT… I figured that if this mama finds joy and excitement in every single one of these items, chances are other moms out there will have the same wish and urge to party when she opens up her gift!

But really, all these gift ideas are perfect for any lady in your life for any gift giving occasions!

Pick any one gift (or several because each is under $25!) from the list and consider yourself moved up to the position of the new favorite.

All these gift ideas for her can be easily bought online and for UNDER $25 each! The ideas in this mother’s day gift guide are so unique and thoughtful! It’s hard to choose just one gift idea from the list. It’s really more than a mother’s day gift guide, all the ideas would be perfect gift ideas for her on any occasion! Christmas gift ideas, birthday gift ideas, anniversary gift ideas, this list is amazing! Continue Reading →

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$2 Thrift Store Bulletin Board Makeover

Completely blank sits a white wall in my kitchen, just begging for a bulletin board.

I first thought, “Cool, I’ll just go buy a piece of cork board and put fabric over it, call it good.” Well, turns out cork board is not that cheap.

Plan B, keep my eyes open for an old bulletin board to refinish. Turns out, it didn’t take me long to find one at a local thrift store.

Best part, I bought it for only $2! After purchasing the board, fabric, and tacks, I spent total about $8. Not bad at all for a completely custom bulletin board!

Learn how to makeover an old bulletin board in less than 20 minutes and for just a couple bucks! This is the perfect DIY makeover for an old thrift store bulletin board find. Step-by-step directions with tips on where to get the cheapest supplies! Continue Reading →

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8 Secret Strategies to Saving Big at Target

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

There is ALWAYS a way to save at Target. Doesn’t matter what department you are in, you can always save some moo-la!

Doesn’t that just make you completely have a Jerry Maguire type crush on Target… “You complete me!” or “You had me at hello!” That is exactly how I feel every time I walk into this blessed store!

With the holidays here and all the shopping you are going to be doing, it’s even more important to save. THOUGH, all of these tips will help max out your savings at Target ALL YEAR long!

Secret tips exposed on how to take advantage of the NEWEST ways to majorly save on your next trip to Target! You are spending way more than you need if you aren’t using these tips on how to save money at Target! 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!
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The Trick to Affording a New Wardrobe When You’re Broke

This post contains affiliate links.

You know how they talk about the many many MANY hats of a mom. The chef, the chauffer, the nurse, the teacher, the counselor, the doctor, and the list really is endless.

Well, who has the cash to pay for all those outfits? Not this girl! That’s for sure!

The good news is that there is a simple solution to help you dress the part of carpool in the morning and flawlessly transition for a hot hubby date night! All with making a few simple tweaks to a must have closet staple.

This simple idea to find new and cheap outfit ideas will help you create an entire new wardrobe! There is one easy thing you can do to afford a new wardrobe and it’s probably not what you think. Finding cheap outfit ideas for winter, spring, summer, or fall, wont be a problem even if your budget is tight! Continue Reading →

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Beginners Guide to the Cash Envelope System

Dang it! We did it again! Oh no, another $30 overdraft fee! Why are we always over spending?

This scenario was recurring way too often in our bank account. We would think we were staying on budget but the reality was, we really had no idea where all our money was going.

Every month, three days before the next pay day, I would send a frantic text to my husband, “Don’t spend another penny! We only have $18 left!” Then some months, it was too little too late.

Pending purchases would push us over the edge and we would end up paying overdraft fees. Getting us ever further behind on the next pay periods spending! Ugh!

I am so sorry if this dramatic reenactment sounds all too familiar for you.

The good news is that we eventually figured it out! In fact, we are actually an entire month ahead of our bills now! We haven’t had overdrafted our bank account in over a year!

Can you imagine how wonderful that feels? How completely freeing it is to have your spending under control! Looking at our budget no longer provokes tense conversations or anxiety driven swipes of our debit card.

Who wants a taste of this financial freedom!?Start a budget today fast and easy without complicated paperwork. Use this simple guide to the cash envelope system and find your financial freedom today! Continue Reading →

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How to Save Money Today – 5 Frugal Habits

Let’s see… save for our first house, get some new clothes, save for an amazing vacation, or maybe go out on a really fun date night!

What would you do if you could drastically cut your spending?

Get planning because today you can start saving $500 a month with these 5 frugal habits.

Are you ready to stop making excuses and start learning how to save money today? Not tomorrow, not next year, but actually how to save money to-day!

I’m sure there is a long list of reasons as to why these five frugal habits shouldn’t work for our family. But guess what, instead of trying to justify my laziness, I put my head down, do a little extra work, and magically our family has figured out how to save money, even when there isn’t a lot of money coming in!

Save $500/mo with these 5 Quick Tips. I love her budget tips especially the one on how to use YouTube to save money. It all adds up really quickly to help you cut spending and save more money!
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