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Budgeting

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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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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 →

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How to Stop the Urge to Shop

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!

How to spend less money on things you don’t need and learn how to stop shopping so you can save money for an emergency fund, pay with cash, or other dream worthy goals for your family. Continue Reading →

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5 Tips for Back to School Shopping on a Budget 2019

This back to school shopping on a budget post is sponsored by Ibotta. Thank you for supporting Pennies Into Pearls by using my links at no additional cost to you. 

Do you have a list of school supplies sitting on your counter staring you straight in the face? Holy cow! All those little purchases can add up crazy fast! Which is why I am your girl to show you how to do back to school shopping on a budget.

Use these back to school shopping on a budget tips and you can send the kids to class feeling confident that they are fully stocked up with school supplies and ready for a new year of learning! Back to school on a budget doesn’t mean going without, these tips will show you how to save money on back to school so you can buy what your kids need. Continue Reading →

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6 Tricks to Save Money on Vacation BEFORE You Go

Have you ever been on vacation with your family and realized you went WAY over budget? Did you notice it was probably on a lot of little things adding up, that you hadn’t planned for? The thing is, you CAN save money on vacation before you even leave!

We have done this so many times I’ve lost count. I know the feeling well. Your trip was supposed to be relaxing and fun, but you came home feeling stressed because the finances are still following you.

Today I am sharing my best tips and reminders about the SURPRISING ways that you can save money and stress before you leave for your vacation! 

Do you tend to overspend on your vacations? I have 6 Money Saving Hacks for Your Next Vacation that are sure to be useful for you. These tricks have helped our family save hundreds of dollars.
Continue Reading →

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Living Debt Free in a High Cost of Living Area

We live in one of the most expensive cities in the United States. Home prices continue to increase faster than most other major cities, but the high expenses don’t stop there. Utilities, transportation, food, healthcare, and taxes all on average are higher in this beautiful city. This post contains 5 ways to live debt free in a high cost of living city. 

Despite those odds stacked against our wallet, there are a lot of opportunities to save money and grow our side incomes while living in a high cost of living area. 

 

When living in a city with a high cost of living, it’s especially a huge help to know ways to save money. These 5 tips to save money when living in a high cost of living area will help you stretch your money. Continue Reading →

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What to do When You Are Behind on Bills

How can you start taking control of your finances if you are behind on bills? Where do you start? 

If this is you, I’m betting that you are feeling completely hopeless and don’t realize what an amazing future you can actually have for your family!

The process of getting on top of your bills is actually not that complicated at all. Today I am going to show you step by step what you need to do to take control and get on top of your bills.

Doing this is going to open your eyes to your potential for reaching some seriously amazing goals for your family!

This is what to do when you are behind on bills and how to never let it happen again. Here are 8 steps to take when you are behind on bills to help you get things under control quickly. Continue Reading →