“No” is just a part of life. It’s not the fun part and can be a hard lesson for our little (or big) kiddos to learn. As a parent, it can be hard to be the one teaching this lesson.
But we want the best for our kids and our family, sometimes that can mean we have to say no. I’m not sure anyone likes to tell their kids no. It’s definitely not my favorite.
But here’s the thing. If we want to be teaching kids about money then we need to teach them about self-control, especially when it comes to your budget.
All three of my siblings got married this year! Kinda crazy right! It’s been a bit of a busy year. But incredibly awesome!! Our family has pretty much doubled! So. Much. Fun!!
SO! Me being the oldest sibling and about to leave my 20’s, say what!!! I can’t help but think about all the things I wish I had done differently.
First years on your own, FREEDOM! Livin’ the college life! Late night runs to the drive thru. First years of marriage. Kids. A lot happens in your 20s! Which can make a statement on your bank account if you’re not careful!
Your 20s are a time in your life where you learn a lot about growing up and living on your own. Unfortunately, a lot of times those lessons are learned the hard way.
I am the type of person who loves to hear others advice. I don’t always take it but I definitely will learn from it. I hope that’s what these five financial cautions can offer you.
Even if you are a little past your 20s, maybe you can relate and have made these money mistakes when you were in your 20s. Are you making these mistakes even now that you are out of your 20s?
It’s never to late to change! Following these five guidelines to avoid money mistakes and they will help you no matter what your age is.
All moms are busy and us frugalista mamas are definitely no exception! So making sure that our bags are packed and ready for the unexpected is key to our survival!
Have you ever thought about how being prepared can save you money? If you keep your bag stocked with these diaper bag essentials then you will be less likely to find yourself in a situation where you need to make an emergency purchase.
So far in this Pretty Penny Budget Series we have talked about the tools you need to get started, how to set them up, and how to use them efficiently. Now we are ready to dive even further into starting a budget by comparing your income to your expenses and to actually setting a budget a long with financial goals.
Last week we talked about the tools you need to start your pretty penny budget. Now let’s start talking about what to do with those tools! Once you have familiarized yourself with the free budget template I made just for you, you will be ready to start getting your finances under control!
Everyone always talks about their “budget”. Sure I heard it all the time and I even used the word myself, but I don’t think I really understood how to use a budget until the last couple years.
I instantly have anxiety when I think about how my husband and I used to run our finances when we were in college. We would do things like pick an apartment based on nothing else other than what we “thought” we could afford. We never sat down to look at our income and actually run the numbers. Stressful to think about!
After many “lesson learned” experiences we have a system going for us right now that works pretty good. It’s not perfect but very helpful and a huge stress reliever. When finances run smoothly (this doesn’t mean we have a lot of money, just that we manage it better) it’s amazing how other things in life run better.
Maybe I am just a total nerd but I honestly get really excited when I start planning out our monthly budget! The idea of not having a looming debt over our head is completely freeing!
This state of mind has not always been with me. I got married pretty young… Like when I was 20! So… that’s young. Talk about being thrown into the financial independence fire! I literally went from relying on my parents for 98% of all of my income and paying for all my expenses, to 0% in a matter of days. Luckily I married a really awesome man who knew a lot more on the subject then I did! But it would be a complete lie if I told you that it wasn’t hard to learn how to budget.
Learning to live on a budget can be quiet the transition. No matter how old you are. It is going to be hard at first. There really isn’t any way around this. (If you know of a way, let me know!) But with a little hard work and dedication you can learn to be happy!
It happens to almost everyone… You decide it’s time to sit down and look over your bank account and your budget. Both you and your sweetie are dreading the conversation because you just know that it is going to end in a high intensity discussion and you would rather cuddle up and watch a movie on the couch.
Although I wasn’t able to specifically pin down a cold-hard statistic on how financial issues influence marriage, I think it is safe to say that financial problems are one of the highest influences when it comes to marital disagreements.
But guess what! Going over your budget doesn’t have to involve a yelling match. We all know we should never yell in our homes. Right?
One of the top concerns I hear when I talk about shopping on a budget is eating healthy. Before I really started delving deep into the frugal world I thought the same things. It’s just not possible to be eating healthy on a budget. Wrong! You totally can!
Really it comes down to prioritizing. If eating healthy is a priority for your family, then within your budget you need to make it a priority. You might have to sacrifice a little in other categories to bump up your grocery budget a little.
If there is no room for movement in your monthly expenses, don’t you worry! I still have a few more tips up my sleeve for you! It’s not a secret that eating healthy takes a little more work. But don’t you agree that it is so worth it? Not only are you physically going to be healthier, you might even loose some unwanted L-Bs, and your food is going to taste way better then something that has been processed!
