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January 2017 One Income Family Budget Update

Wouldn’t it be nice to see the exact numbers of another family’s finances? A family who has successfully paid off over $20,000 of debt on one income. A family who has found a way to live on one income in one of the most expensive cities in the USA.

I know that’s what I wished for back when we were trying to figure out how to make a budget that actually worked for our family.

Which is why we have started sharing our real life family finances with you! Every single month I get on here and lay it all out there, holding nothing back. You can learn how to live on one income by learning from our trial and error to help you achieve your financial goals even faster!

See the real life numbers of our one income family who has made it work in an expensive city, paid off over $20,000 in debt, and is currently putting away hundreds of dollars a month to save to buy their first home. You can learn how to live on one income by learning from our trial and error to help you achieve your financial goals even faster! Continue Reading →

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January 2017 FREE Meal Plan & $150 Monthly Grocery Haul Breakdown

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

What does it look like when a family of five eats on only $400 a month? That’s exactly what our family does! A lot of times, we don’t even use the entire months budget!

You might imagine that we eat the same boring meals month after month. Top-ramen, chicken, and grilled cheese are what you might think are our staples.

If that is what you believe it takes to make a $400 monthly grocery budget work, then you are wrong! (Not to be rude! Sorry if that’s how that came across in writing. Xoxo)

This is why I love to share our monthly meal plan and grocery haul with you. To prove that eating delicious food on a super tight budget is 100% doable!

Only $250 monthly grocery budget for a family of five! Here is a look at exactly what this family spent on groceries for an entire month, plus, how they did their meal planning on a budget. AND she shows you how to meal plan on a budget yourself using a FREE Meal Planning on a Budget Toolkit Printables! Continue Reading →

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December 2016 One Income Family Budget Update

The last month of the year! How has your budget been this year? Did you finish where you wanted?

I would say that my hubby and I are happy with where we ended the year. We don’t have exactly the amount of savings we were hoping for, but if you check out November’s One Income Family Budget Update you will know that we made a decision (on purpose) that we knew would leave our budget where it currently sits.

We are totally okay with that!

And let’s not forget about how our family finished paying off over $20,000 of debt this year! We put in a lot of hard work to become debt free! Lot’s of overtime worked by hubby, strategic budgeting and meal planning, and careful cash spending.

A simple one income family budget helped to save over $5,000 in only two months! Learn how this family has been able to save money for a house, in an expensive city, on just one income. It’s not complicated at all! Here are the exact numbers from our family bank account! Continue Reading →

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January 2017 No Spend Month Invitation

I want to invite to you save hundreds of dollars with me next month!

Do you want to know how you are going to do it? Easily, with a no spend month!

The first time our family did a no spend month, I was shocked at how easily we saved over $500! That was on an already super frugal budget.

Imagine how much money could save! I would not be surprised if most of you save over $1,000 by joining our family in a no spend month!

Check out this video to get more details on January 2017 no spend month and exactly why our family is doing it.

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!
Continue Reading →

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How to Save Money on Your Holiday Groceries

That first time you open your bank statement in the New Year and realize you really went overboard on your spending… That pit in your stomach with the thought, “What was I thinking? What is wrong with me? Don’t I have any self-control?”

Parties, gifts, travel, cooking and baking, are some of the highlights of the holiday season! Every single time you swipe that card this season, it adds up. Real quick!

That’s why finding easy ways to cut your spending should be at the top of your priority list right now! 

Make sure you are saving the most money you can with a quick look at this Price List. PLUS, QUICK ways to save money for Christmas this year, here are 3 Simple Tips on how to save money on your holiday groceries. Learn how to save money now so you can spend it the way you want to this Christmas! Continue Reading →

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October 2016 One Income Family Budget Update

Raise your hand if you have debt… Don’t by shy because there is a good chance that pretty much everyone reading this article is right there with ya!

That nagging payment you have to make every, single, month! It is so irritating to be paying someone else money and not getting anything in return! Right?!

Not only are you paying back money that you have already spent, but you are actually paying back more money than you borrowed because of the crazy amount of interest you are paying. Blah!

Okay, deep breathes and let’s move on!

How a simple one income family budget helped pay off almost $20,000 in debt in less than one year! If you are overwhelmed by debt and are trying to live on one income, learn from this family how to pay off debt quick and on just one income! Learn how to pay off debt on a one income family budget. Continue Reading →