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 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!
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!
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!
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!
Does the thought of feeding your family seem like an endless task. Well… you’re right. As long as you are alive, this will most likely be your responsibility for anyone under your roof. The good news is that I have a monthly meal plan that will help lower your stress!
Not only do I have my monthly meal plan for November to share with you, but I am also showing you what it looks like to shop all of the month’s groceries in one morning!
This how to stop shopping post is sponsored by my FREE Budgeting for Beginners Starter Kit
I hear you Pearls! “You’ve shown us how to start a budget and you’ve shown us how to save crazy amounts of money with meal planning. But can you please show us how to stop shopping for things we really don’t need? How do we stop the urge to shop?”
That’s exactly what I’m going to help you with today!
You’re motivated! You have your entire month’s worth of whole 30 meal plan ready for your family. This is going to be awesome! You’re family is going to be SO HEALTHY!
And then you sit down for the first meal and reality sets in. None of your kids will even try dinner…
Holy frustrating! Right?
In this month’s whole 30 meal plan I made sure to choose not only budget friendly meals, but are recipes that either your family will love as is or are easily adaptable to accommodate any picky eaters.
This grocery shopping on a budget post is sponsored by Fetch Rewards. Thank you so much for supporting Pennies Into Pearls!
I kinda consider myself a master mom ninja when it comes to grocery shopping on a budget. I’m not telling you this to boost my ego.
I’m telling you this to give you comfort in knowing you have come to the right place if you are looking for real life tactical tips to help lower your grocery budget.
Did you know that I buy an entire month’s worth of groceries IN ONE DAY? It’s true! Anything that can stay in the fridge, freezer, or pantry for at least 30 days.
This technique will save your family hundreds of dollars a month!
When you watch the video down below, you will see what it actually looks like to to do my grocery shopping on a budget. You will see every single item we buy and what exactly it costs.
I’m sure you have a bunch of questions. What about fresh produce and meat? How do you have enough cash to cover it all? I put together another post that answers all those questions and you can get the details right here.
Grocery Shopping on a Budget Secret Weapon
The secret weapon that every grocery shopping mama needs has to be something easy! It has to be something quick! It has to be worth your precious time!
Want to know what my secret weapon is?
The secret weapon you have been missing is a FREE app for your smartphone that will help you earn cashback on your grocery shopping!
Fetch Rewards is that app! It’s a FREE app that allows you to easily earn rewards for doing the grocery shopping that you are already planning on doing. So why not get rewarded? Right?
There is zero prep work you have to do inorder to earn cashback! See how this could be your secret weapon?
Ready to see how easy this is?
It’s only three steps! Once you have downloaded the app and created an account, this is all you have to do after you go shopping:
Scan your receipt.
Who Doesn’t LOVE Grocery Pickup?
Can I get a big AMEN? Grocery pickup will save you crazy amounts of time going back and forth between isles as your kids are endlessly begging for everything on the shelf.
Yeah… I can feel the stressing just talking about it!
Fetch is the only app on my phone currently that offers cashback on online orders! Okay, I don’t know if it can get any easier than this to do your grocery shopping on a budget. What do you think?
Treat Yo Self!
Cash in your rewards points for something fun! Fetch has a huge selection of different stores, restaurants, and entertainment to choose from for their rewards!
Just a couple weeks ago hubby and I went on a lunch date to Red Robbin where we used a gift card I earned with my Fetch points!
I don’t know about you, but eating food that I got for free makes me enjoy it 100 times more than normal!
I just realized that I have never shared this hack with you before! Are you ready to learn the trick to finally stop overspending each month?
Today’s video is short and sweet, but I think you’re going to really get a lot out of it. Because our trick to not overspend is…. Drum roll…
One Trick to Stop Overspending NOW
Wait no longer, here is the tip. When we need something, I write it on a list and wait for our monthly grocery haul. Yep… that’s it! It seems so simple but I don’t think a lot of people do this. It does definitely take work to stick to this.
Here is an example. It’s embarrassing what mine and Kennedy’s hair brushes look like. It’s been something we’ve needed to upgrade for a while but it keeps getting bumped to the bottom of the list. You know why? Priorities.
Which brings me to wondering, have you figured out your value based budget yet? I would love for you to join myself and a community of like minded Pearls in 30 Day Family Finance Rescue. We are going to go way beyond this one tip and teach you how to figure out your own unique values and base your budget on those. Are you in?