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Budgeting

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Why You Can’t Stick to Your Budget

Dang it! You set the budget for the millionth time but for some reason you can’t seem to stick to your budget! What’s the deal? It’s starting to feel hopeless…

If it seems like I just read your mind that’s because I have been in your exact spot! It took hubby and I a good 9-10 years before we FINALLY figured out why we couldn’t stick with our budget.

In today’s post, I’m going to uncover three reasons you can’t stick to your budget and what you can start doing today that will change it all around so you can once and for make it work!

 

This is the SOLUTION to figuring out why you can’t stick to a budget! Here are 3 reasons why you can’t stick to a budget and HOW TO FIX them and learn to budget the right way once and for all! Continue Reading →

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Can You Afford Your Goals?

You have big dreams for your family, but that’s all you believe them to be. Dreams… You keep wondering how to afford your dream life.

You wish for a life without having to worry if you have enough money to pay the bills. You fill stuck with no hope of a brighter future.

What would it be like to live without the weight of your debt on your shoulders? What would your life be like if you could own your own home? What would you be willing to do in order to live out adventures as you travel with your family?

But your stuck thinking, “I won’t ever have a life like that.”

To that I say, WHY NOT?

You have big dreams for your family and today I am going to show you how to turn those dreams into goals and those goals into a goal based budget. You need a financial action plan to get you to your dreams and I am going to show you what needs to be done!

Setting goals is one thing, but how do you actually reach your goals for your family? How can you dream big but still set realistic goals? This is what you need to do in order to set goals, stick with them, and start living an amazing life with your family. 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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The Only 3 Budgeting Tools You Need

Holy cow is your brain spinning from trying to figure out which budgeting tools you need to get started with budgeting? There seems like there’s a million options and how do you know which ones will work for you?

Allow me to simplify this for you. In today’s post, I am sharing with you the only 3 tools our family successfully used to once and for all set and stick to a budget so we could stop stressing about money and start living a better life!

 

When you’re trying to figure out how to start a budget, you need to know what budgeting tools you need. Here are 3 FREE budgeting tools for beginners that will get you started today! 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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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 →