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savings

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7 Savings Accounts Your Family Will Be Lost Without!

Did you know that your savings goals could be pointless if you don’t have more than one savings accounts? Mass financial destruction is caused by unorganized savings accounts!

This doesn’t have to be you! There is a simple solution to help you start reaching your financial goals! It’s as simple as separating your savings into multiple savings accounts!

Our family currently has 7 and counting…

Did you know that your savings goals could be pointless if you don’t have more than one savings accounts? Mass financial destruction is caused by unorganized savings accounts! This doesn’t have to be you! There is a simple solution to help you start reaching your financial goals! It’s as simple as separating your savings into multiple savings accounts! Continue Reading →

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Family Savings Plan Update November 2015

Have you read about our family’s plan to buy a house in two years? We are really excited about our future and want to share everything we learn with you!

There are so many things that need to be done before we are ready. Two of the main items of business are 1. Paying off our debt and 2. Saving for a down payment.

In order to accomplish those goals we are going to need and be super creative on ways to live frugal and fabulous! My hope is that by sharing our family savings plan successes and failures, you can learn from our experience, which will make the process a lot more smooth and easier for you!

Family Savings Plan Update November 2015 - penniesintopearls.com - Real life family savings plan. Learn from our successes and mistakes. Learn tips and tricks to starting your own family savings plan. Continue Reading →

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Why I’m Doing a Savings Challenge #31DaysLWSZ

Who has heard of Ruth Soukup’s money saving challenge called “31 Days of Living Well & Spending Zero” challenge?

If you want to jump start your savings and/or your budget then you will want to sign up for this savings challenge! Leave a comment below if you are joining and we can help each other make it the entire 31 days!

You can go to Living Well Spending Less to get entire details and actually sign up. But let me tell you in a nutshell, what this savings challenge is all about.

Why Im Doing a Savings Challenge -penniesintopearls.com - #31DaysLWSZ Find out why YOU need to do this savings challenge with me! This savings challenge is going to save you big bucks! Continue Reading →

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Our 15 Minute Budget Routine

Today I am sharing our 15 minute budget routine. I’m going to walk you through what our bi-weekly budget routine actually looks like. I’m also going to show you what it looks like when I am paying all our bills and making sure there is cash in the bank! 

If you need help making your budgeting process a real routine then you’re going to LOVE this! 

These are the 6 steps to our budget routine. We set up a budget date every two weeks when hubby gets paid. I’m sharing the 6 steps to our budget routine. Continue Reading →

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Our 2020 Financial Goals

Today we are sharing our 2020 financial goals! We like to set goals each year so that we can make a plan from those goals, and achieve them! It’s so important to base your plans and budget off of your goals to keep you motivated. 

If you’re not working towards a goal, it’s really easy to get off track. Plus, it’s fun to DREAM and watch those dreams come true, am I right? 

 

Today we are sharing our 2020 financial goals for our family of five. We had a great 2019, but we definitely have areas we could improve and some fresh new goals for the new year! Continue Reading →

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2019 Budget Wins and Fails

Today we are reviewing our finances from 2019 and sharing out budget wins and fails. It’s not always easy to look back at our finances, but I think it’s a really good exercise to help you stay on track and see where your strengths and weaknesses are. 

 

I challenge YOU to look back at 2019 and make a list of your Wins and Fails before you set out your goals for 2020! 

Today we are sharing our top 3 budget wins and fails for 2019! We hope this post inspires you to look back at your finances and make a plan for 2020 to overcome any challenges you’ve had. Continue Reading →

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November 2019 Budget Update

Today I am sharing our November budget update! We’ve had hundreds of dollars worth of unplanned expenses the last two months, and today I am sharing how we were able to cover it all with cash!

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! 

 

November can be a pretty crazy time of year for budgeting but 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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Thanksgiving Meal Plan & Grocery Haul

This Thanksgiving Meal Plan post is sponsored by Fetch Rewards. Thank you for using my links to support Pennies Into Pearls at no additional cost to you. 

Thanksgiving is next week! Or depending on when you read this I guess that could be different. But for us here in this moment, it’s next week! How would it feel to know that someone already has the most mouth-watering Thanksgiving meal plan all ready for you?

What if someone not only had the meal plan ready for you, but also had a grocery list that will keep your grocery grand total UNDER $50 for the entire Thanksgiving dinner!?!

Yeah that would be nice! Let me know if you find someone doing that please! 

Just kidding!

You came to the right place! In this post I am going to show you how to plan, shop, and host an amazing Thanksgiving dinner for under $50!

FREE PRINTABLE $50 Thanksgiving meal plan on a budget AND Thanksgiving grocery list that breaks down every item Continue Reading →

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How to Shop for a Debt Free Christmas

This post on helping you have a debt free Christmas is sponsored by Ibotta. Thank you for using my links at no additional cost to you and for supporting Pennies Into Pearls. 

Are you tired of starting the new year with a pile of debt leftover after your Christmas shopping spree? Let’s change that! Think of how it’s going to feel when the bliss that comes with a debt free Christmas sets in!

Want to know how to have a debt free Christmas? Here are 5 tips for a debt free Christmas that will help stretch your Christmas budget and make sure that you have a cash Christmas and avoid the credit card hangover. #IbottaPartner #sponsored Continue Reading →