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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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Planning a Disneyland Vacation on a Budget

There was a time when we were deep in debt, no savings in site, and had zero hopes of being able to make a Disneyland trip happen. Then we realized that if we were intentional about our vacation spending then we could have an amazing Disneyland vacation on a budget! Can I show you how to do the same thing for your family?

Our family has started planning our second ever trip to Disneyland. Our first trip in 2017 was amazing and I have been dreaming about our next trip ever since we started walking out of the park on that last day!

Has your family ever done a Disneyland Vacation? I would love to hear how you saved money on your trip! Where did you splurge on your trip? Comment below and we can chat!

Main Costs of a Disneyland Vacation

There are four main costs associated with planning a Disneyland vacation.

  1. Travel
  2. Park tickets
  3. Somewhere to stay
  4. Food

The great news is that there are ways to save money on every single expense! Want to know how?

You need to know these four categories that will help you start planning a Disneyland vacation on a budget. You WILL over spend if you don’t follow these Disneyland planning tips! These tips will show you how to save money at Disneyland no matter how many people are coming on your Disney trip! Planning a Disneyland trip will be easy with these four tips!

There is Room For Negotiation in The Disneyland Budget

Out of those four options you can also make a decision on which, if any, of the main costs are you wanting to focus your spending on. Or maybe you are trying to cut any and all costs possible.

Does your family have fun trying out all the treats at the park and want to spend a little more on the food? Or does your family want to fly rather than drive 13 hours?

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If there is one category that you guys want to splurge a bit on, you will have to rework your budget and find other areas that you are willing to cut costs in order to fund your splurge.

1.Save on Travel to Disneyland

My rule of thumb is that usually if we are traveling with two or more people, it is cheaper to drive than to fly. Now there is so much more that plays into that decision. Schedules, timelines of driving, or drivers.

If you decide to fly make sure that when you are searching for flights to take into consideration cost of luggage and times of flights. Depending on what time you are flying will decide how many meals you will have to pack or purchase at the airport. 🤑

You need to know these four categories that will help you start planning a Disneyland vacation on a budget. You WILL over spend if you don’t follow these Disneyland planning tips! These tips will show you how to save money at Disneyland no matter how many people are coming on your Disney trip! Planning a Disneyland trip will be easy with these four tips!

2.Save on Park Tickets

You will NEVER find a discount if you shop tickets directly from Disneyland’s website when you’re planning a Disneyland vacation! Well… there is an exception for locals that I’ll tell ya about in a sec. So how in the world do you save money on your Disney tickets?

The only place I have ever seen offer savings on Disneyland and Disney California Adventure Park tickets is through a FREE travel agency called Get Away Today. They are the experts in all things Disneyland!

One of their most popular ticket sales is when they offer adult tickets at kids prices! If you make sure to follow me on Instagram then you will be the first Pearls to learn about any promotions that Get Away Today is offering.

A recent amazing sale that you might have heard about if you are signed up for my newsletter was when they offered your 4th day free ticket! An entire day at the park for free!

As soon as I saw this deal I immediately started to see if I could plan a “business trip” to Disneyland next month! Just the hubby and I!! Ahh! I can’t wait! I sure hope we can get the babysitting figured out! SHHHHH!!! This trip is going to have to be kept a secret for eternity from our kids! They CAN NOT know that we went without them!

Check here to see what amazing sales they currently have going on to help you start planning a Disneyland vacation.

The exception for Southern California residents is that most years Disneyland offers So Cal residents a 3day park hopper or 3day one park per day tickets for just around $160. Which is a major deal! But tickets are only valid usually January through May. This option also is not guaranteed to happen every year. Fingers crossed!

If you are local and can hold off till the beginning of next year, you might want to take your chances because that is the very best deal on tickets I have ever seen! That’s what we plan to do next year for our family Disney vacation!

BONUS TIP: The more days you spend at the park, the lower the daily ticket price will be.

Forget the stress of planning a Disneyland vacation with these four tools to help you save money on a Disneyland trip! Learn how to plan the cost of a Disneyland trip so you aren’t scrambling during your Disney vacation trying to figure out the money. These tools will help you completely enjoy your next Disneyland vacation!

3.Save on Lodging

In my eyes there are three options to help you save money with lodging when planning a Disneyland trip.

  1. Stay with someone you know (Lucky!!!)
  2. Find a hotel that offers free parking, free breakfast, and 3rd or 4th night free
  3. Find a vacation rental to split with friends or family

If you know someone to stay with, do that!

If your not that lucky (like us…) then you need to know if you will be vacationing as a single family or if you will be going in a group.

When our family travels just the five of us I look to Get-Away-Today again to stack the savings! I’ll look for ticket sales and they make it super easy to find hotels that offer free parking, free breakfast, mini fridge (to keep lunch/dinner food cold), microwave, AND a 3rd or 4th night stay totally free!

If you purchase your park tickets and hotel stay with Get Away Today, you can use code: PEARLS to save a little more!

Do you plan to travel with a group? Then your best will probably be to split the cost of renting a vacation rental. We have always had a really great experience using Airbnb for our vacation rentals! PLUS, if you use this link then you will get $40 credit towards your first rental!

You need to know these four categories that will help you start planning a Disneyland vacation on a budget. You WILL over spend if you don’t follow these Disneyland planning tips! These tips will show you how to save money at Disneyland no matter how many people are coming on your Disney trip! Planning a Disneyland trip will be easy with these four tips!

4.Save on Food at Disneyland

Let’s be honest! This is where our family likes to splurge! We sure love to try out all the fun treats that can only be found at Disneyland! The copycat recipes come close but it’s just not the same!

I plan to do as many videos as possible when hubby and I go to Disneyland and one of those will be searching out the best bang for your buck when it comes to the food at the Disney Parks! Would that be an interesting video to you?

If you don’t care that much about the food from the parks, then be sure to load up your backpacks and strollers with all the food from home! Disneyland says that this is 100% okay! One of the many reasons we all love them so much!

When we went last year, we were able to find Disney themed snacks all over Walmart and the Dollar Tree. Stocking up on the themed foods BEFORE you go in the park will save you a ton!

When is Your Next Disneyland Trip?

Now that I went through writing you this letter, I am giddy with my planning! Reply to this email and let’s chat all about your next trip and brainstorm together how your family can save on your next Disneyland adventure! I would LOVE to hear all about your Disneyland savings hacks and vacation tips!

Talk to you soon! Xoxo
Brittany

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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 →

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My New Favorite Way How to Save Money on Clothes

This post is sponsored by ThredUp. Thank you so much for supporting Pennies Into Pearls by using my links.

I just placed my first order on ThredUp.com. I bought name brand clothes that I would never be willing to pay the kind of cash those retailers are asking!

But on this order I saved over $700 off retail prices on some amazingly cute clothes! Let me show you my new favorite way how to save money on clothes, shoes, accessories, and jewelry!

 

What is ThredUp?

ThredUp is the largest online thrift store and consignment store featuring tons of high end name brand clothes at incredible low prices!

I really love that you get to shop from the comfort of home and have all your clothes shipped straight to your front door!

My first ever ThredUp haul and I have some pretty serious feelings about it! In this ThredUp review video I am sharing my first reaction to my ThredUp haul try on session. ThredUp sponsored this video and as always, all opinions are 100% genuine and real!

My first ever ThredUp haul and I have some pretty serious feelings about it! In this ThredUp review video I am sharing my first reaction to my ThredUp haul try on session. ThredUp sponsored this video and as always, all opinions are 100% genuine and real!

Don’t worry if it doesn’t fit because ThredUp offers free returns for store credit!

Plus, make sure to watch the video to find out a way to stack more savings on top of the already low prices! I saved an extra 20% on my order!

My first ever ThredUp haul and I have some pretty serious feelings about it! In this ThredUp review video I am sharing my first reaction to my ThredUp haul try on session. ThredUp sponsored this video and as always, all opinions are 100% genuine and real!

All these qualities make it the perfect way how to save money on clothes and stretch your clothes budget as far as possible!

 

How to Save Money on Clothes Using Thredup

I went into this first try of ThredUp with low expectations. The problem was I was expecting thrift store quality clothes but what I recieved was nothing like it!

Watch my ThredUp review of my first ever purchase to see what I bought and to learn tips on how to save money on clothes.

BONUS In the video I share an extra way to save money on ThredUp to stack even more savings! Don’t forget to subscribe to my YouTube channel!

 

Are you going to give ThredUp a try? Tag me on Insragram @PenniesIntoPearls and let’s share our finds!

Thanks for stopping in and I’ll talk to you soon!

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11 Rules to Instantly Increase Your Success When Talking About Money With Your Spouse

Yelling and hurt feelings unfortunately might be a sign that you are in the middle of talking about money with your spouse. If this is your situation, then you are probably feeling hopeless about ever reaching any sort of financial freedom.

One of the top questions I get asked on a daily basis is “how do I get my spouse on board with budgeting?”

These 11 money tips for couples will set the stage to help your money conversation actually be successful and get your spouse on board with budgeting. Following these simple tips will create a rewarding conversation when talking with your spouse about money. Continue Reading →

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First Time Home Buyer House Hunt Update #3 – We Are In Escrow!

This first time home buyer process is no joke! This month marks the 12th month that we have officially been on the house hunt. Well… this is our second time house hunting since we have been married. But you get what I mean!

A lot has changed over the last year of our house hunt. The location where we are house hunting. Our priorities for the home have changed. Most importantly, our budget has changed. We have learned a lot about being a first time home buyer!

This is what happened when a young family became first time home buyers in one of the most expensive cities in the country. This mom shares every single number involved in their home buying process. Plus all the steps it took in figuring out how to buy a house for the first time. Continue Reading →

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November 2017 Family Finances Budget Update – How to Quickly Correct Your Money Mistakes

I’m about to share with you the real life numbers that make up our family finances. BUT I made a mistake. A mistake that cost us money. A mistake that I promised myself would never happen again!

You will have to watch the video (below) to find out what the mistake was and how we plan to correct it for the future. Don’t forget to subscribe to my YouTube channel!

This is your opportunity to look at the real life numbers of another family’s finances! Learn from their money mistakes to help build a strong family budget. She shares tips on how to learn from your money mistakes and how to start a budget that won’t fail! Continue Reading →

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10 Holiday Shopping Money Saving Tips Every Mom Needs to Know!

Thanks so much to Annabelle from the blog Wunderlabel for sharing all her holiday shopping money savings tips with us!

Tis the season and that means it’s time to give gifts to all your family and friends. However, that ache in your wallet can be relieved a bit when it comes to buying presents and preparing.

Before you get your bows and tags out, there are some holiday shopping money savings tips that we have for you save the very most money this season! In this article, make sure to give every tip serious consideration. It’s the little changes to spending habits that make a big impact on your wallet.

10 Holiday Shopping Money Saving TIps Every Mom Needs to Know! 10 Holiday Shopping Money Saving TIps Every Mom Needs to Know! Continue Reading →