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Budgeting Archives - Page 3 of 10 - Pennies into Pearls
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3 Hidden Reasons Why You Aren’t Good at Budgeting… YET

We’ve all been there, Pearl. You set a budget with all the best intentions, then BOOM, budget is blown in an instant. And it happens over and over again. How does someone get started, and actually stick to their budget? Your budget is failing!

It’s definitely not a cake walk, though I wish it were because that would be more enjoyable.

The part that a lot of people miss is that there is a mindset you have to have around money to become successful. You have to change how you think, feel and act around money, to start to see momentum build up behind you, pushing you towards your goals!

Creating a positive money mindset is vital when it comes to staying on budget! The problem is most likely you have some not so obvious hurdles that keep pushing you off track. Resulting in your budget failing over and over again.

Let’s uncover those hurdles so you can start crushing them!  


When budgeting for beginners it can quickly become overwhelming and you find yourself feeling defeated and a budgeting failure. YOU’RE NOT! Here are five budgeting tips that will help you know how to fix your budget and never fail ever again! Continue Reading →


Pearl Life Interview #1 – Missy’s Real Life Budget Strategies

This is going to be fun! I am so happy to introduce you to a brand new series here on Pennies Into Pearls where you get a look into another Pearl’s real life budget strategies and life lessons that they have picked up along the way.

Learning how other families are making it work is always a top way to keep our own motivation. When working through your own financial rescue for your family, I want these Pearl spotlights to offer you encouragement to keep going!

As you watch these real life budget talks, pay attention to strategies and tips that you can try out with your own family finances. Is there something our Pearl has done that you could adjust a bit to customize for your own family budget?

Is there an easier way to learn all the budgeting basics than to take a look into a real life budget from another family? I don’t think so. Seeing how another family is making it work in real life offers so many useful budgeting tips! In this VIDEO you will learn budgeting for beginners tips that will help you start reaching your family’s financial goals! Continue Reading →


7 Exciting & Smart Ways to Spend Your Tax Return

Are you one of our lucky Pearls who is getting a refund from their taxes this year? Lucky! I bet you are so excited! I am excited for you! Do you already have plans on different ways to spend your tax return?

There is so much that you can do with that cash!

Would you mind me offering a few suggestions as to what you should do with that money? To be sure you are intentional with those dolla bills and don’t end up wondering where it all went!

What if you could use that tax return to help your family by actually starting to gain traction on your goals?

Think of all the stress it will lift from your shoulders! Think of the excitement and hope you could provide!

Maybe you’re wondering, what is the best way to spend my tax refund? I’m here to tell you that there are at least seven different ways to spend your tax return responsibly AND still keep it exciting and fun! Continue Reading →


Our February 2019 Family Budget Update

Man it’s been a minute since we share our family budget update and holy cow a lot has happened since I last took you into our bank account! I have a lot to share with you this month!

I also really want to know what information I can share that would be most helpful for you and your family. So stick around and we can chat!

With all the extra holiday spending and budgeting behind us, it’s exciting to look to the New Year with new financial goals! Hubby and I in the process of sigging down with our Financial Unity Workbook and and planning our 2019 goals around what we currently value most for our family finances.

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! Make sure to continuously check out my Instagram Stories for helpful budgeting tips!


Getting back on track after the holidays is HARD! 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 →


6 Ways to Get Your 2019 Financial Goals in Order

This setting financial goals post contains affiliate links at no additional cost to you. Thank you so much for supporting Pennies Into Pearls by using my links!

Hey Pearl! 2019 is here and it’s a GREAT time to sit down and really get your goals set for this year. We could set all kinds of personal goals, but I am here today to help you set your money goals for 2019.

Let’s reflect on 2018 first, shall we? What were your financial wins and loses last year? Is there something that you are doing particularly well, and areas that could use improvement?

Write them down! Now, let’s dive into the 6 best tips I have for setting financial goals for 2019!

Make sure you also follow me on Instagram where I often share stories talking about creating a budget, like these. 🙂

Related Articles:

Our Budgeting Basics

5 Money Questions for Debt Free Living

When You Suffer from Budget Burnout


We will be talking about setting your financial goals to support your overall dreams! If your financial goals support your dreams, you will be much more likely to stick to them. Let’s dive deep and get those dreams realized!


6 Steps to Financial Goal Setting

  1. What do you value?

What is valuable to you in your life right now? It may be spending time with friends, getting outdoors, working out, cooking meals? Once you know what you value, you’ll be better equipped to set your financial goals to help facilitate those values in your life.

  1. Brainstorm Your Dreams

I want you to list out ALL of your dreams, whether they are fiancial or not. Once you know what dreams you have for your future, you can create financial goals that lead you in the right direction! Make a list of 5 dreams you have for the next year, 5 dreams for 5 years from now, and 5 dreams for 10+ years.

  1. Prioritize Those Dreams

Now that you have a big “brain dump” of your dreams, let’s narrow it down. Prioritize and get down to the 3 most important dreams for the next 1, 5 and 10 years. Pick 3 dreams for each time period. From here, we are going to start to make a list of actionable steps to take for each dream you have. Where do your goals and values align? Make sure every goal you choose reflects what you value most.

  1. Top 3 Life Goals

Now we are going to dive in even deeper. Let’s narrow it down to your top 3 goals for your whole life. Don’t focus on anything else but three at a time. I know this is a hard step, but its so important to help drive you towards making financial choices that help you get to your dreams the fastest.

  1. Get specific

For each of these 3 top goals write down:

  • What the goal is
  • Why it’s a priority and why it makes the cut and deserves your attention
  • Write down any potential obstacles that might stand in your way
  • What financial baby steps will help you achieve your goal. Write them down.
  • Give it an ideal due date
  1. Reevaluate Regularly

Now that we have these goals, and steps to reach them, you’re going to reevaluate every 6 months to see where you’re at with achieving them. You’ll be able to readjust at this time. For example, lets say your top goals were getting better at meal planning, saving for a vacation and spending more time outside, but then you had a baby. Now you may shift to saving for college for that child in the future. Our priorities change from time to time so make sure you’re adjusting as you go.

Setting big, lofty goals can be really challenging. I expect this to take you some time to work through. But having these goals laid out is going to give you an excellent starting place for building a goal based budget. Another thing that will help is taking one of my FREE webinars coming up this week and next!


Where to Start When Budgeting Feels Like a Hopeless Cause

Our Pearls write me about it ALL the time and I know exactly how it feels. The complete hopelessness that comes when trying to figure out the first steps to starting a budget.

There are so many factors that play into the giant web that builds your family finances. The never ending expenses, your family income, emergency costs, and bills to name a few. Just thinking about it all quickly gets your head spinning!

Where in the world do you start? What numbers do you look at first? Right now it might feel overwhelming trying to decipher where to begin, but by the end of this article you will have a clear picture on what needs to happen first when it comes to starting a budget for the LAST TIME!

Figuring out how to start a budget as a beginner can be overwhelming. What about starting a budget when you are behind on the bills? Or starting a budget when you are deep in debt? There are so many challenges that can make budgeting for beginners feel impossible. Good news! That is not reality! Starting a budget is actually a life saver and can help you get rid of stress! This article is going to hold your hand through the entire process!

Continue Reading →


November 2018 Family Budget Update

It’s time for another Family Budget update! In these updates is where I share the nitty gritty details of our real life family finances. All the details of what has happened in our bank account over the last few weeks.

I have been doing these budget update videos for over TWO YEARS! It’s crazy to see how far we have come! 

When we started we were in over $20,000 in debt and living off one income. We figured out how to start and maintain a budget that was based off our goals. This way KEY in keeping motivated to keep going!

If you don’t know where you want your money to take you, then you most definitely will end up walking in circles. Or in other words, living that paycheck-to-paycheck life. The life that we are all trying to escape!

Intentional goal based family budgeting is a major topic that I cover in depth in my online course, 30 Day Family Finance Rescue! I want you to get excited every time you work on your budget. You’re going to get pumped because you know that your budget is helping you reach your goals!

Enrollment is currently not open yet, Coming January 2019, but you can sign up for my free email newsletter to be the first to find out more info when it’s ready for ya! I’ll leave a link for in the description box.



Related Articles:

In this month’s family budget update, I am going to walk you through all the numbers that went in and out of our family’s bank account. We share all the numbers in hopes of turning on some light bulbs to help you manage your family's finances and set financial goals based off what you guys value most in life! Continue Reading →


8 Disneyland Tips for Saving Money on Hotels That Will Slash HUNDREDS off Your Family Vacation Budget

There is a lot of costs to consider when planning your family Disneyland vacation. The good news is there is always a way to save on every single part of the trip! Today let’s dive into 8 Disneyland tips for saving money on your hotel!

Figuring out where and how to get the best deal on your hotel can be more complicated than you think. It’s not as simple as pulling up a price comparison website because they don’t take into account all the “small” things that can actually save you major cash!

To make sure you are absolutely saving the most money possible on your Disneyland vacation, follow these 8 easy tips!

Related Articles:


Planning your family Disneyland vacation on a budget you have to be sure and get the lowest price possible on your hotel! Use these 8 Disneyland tips for saving money on your hotel to make sure you save big on these 8 hidden costs!


8 Disneyland Tips for Saving Money on Your Hotel

There are always new hotels popping up around Disneyland and the prices are always changing. So instead of telling you exactly where to stay I want to equip you with the Pearl tools necessary to find the best prices on somewhere to stay during your Disneyland vacation!

1. Visit in the off season.

This is probably going to be a major factor into many expenses of your Disneyland vacation but has the highest impact on the cost of you hotel.

To take advantage of the lower hotel prices, shoot to schedule your family vacation sometime between January and Mid March or end of August through September. I know! That’s doesn’t leave many options but it can make a huge difference in the cost of your hotel!

It’s a great idea to always like to look at a Disneyland Crowd Forecaster like IsItPacked.com.


2. Make sure breakfast is included

It is really easy to find a hotel that includes breakfast. If you look at the cost of eating out for breakfast, having it included in your stay could save $10-$20 PER PERSON per day! That could save you around $50-$100 per day for a family of five!

There is always the option of packing your own hotel friendly breakfast food like milk, cereal, and fruit. That’s always a pretty cheap option!


3. You need a refrigerator and a microwave

Speaking of bringing your own food from home. Make sure that wherever you stay has a fridge or mini fridge! Especially if you are traveling with kids, you will want to keep some essentials on hand that you bring from home or grab at a nearby grocery store.

Buying items like milk, juices, string cheese, fruit, or applesauce pouches before you go into the park can save you over 50%!


4. Parking included

Another one of my key Disneyland tips for saving money is to make sure that your hotel stay includes the cost of parking. Sometimes if you book your hotel through a travel agency like Get Away Today you parking will be included but it might not be if you book directly through the hotel.

Hotel parking and even street parking in Anaheim can cost you upwards of $20 a night. If you’re staying an entire week, that’s another $100 that you are saving!


5. Free nights stay

Another great way to stack the savings is to find an offer to get a free nights stay. I see this all the time with Get Away Today! There is always several options of hotels that offer a third or fourth nights stay for free!

Planning your family Disneyland vacation on a budget you have to be sure and get the lowest price possible on your hotel! Use these 8 Disneyland tips for saving money on your hotel to make sure you save big on these 8 hidden costs!

6. Book early

The closer you get to your travel dates, the more likely it will be that the cost of each night’s stay will go up. So book your trip as soon as you have the cash!


7. Share a house airbnb

Yes, technically it’s not a hotel but it’s a lot easier to say “save money on hotels” rather than “save money on your place of lodging”. So… ya get me!

If you are able to share a vacation rental and split the cost with another family, this has to be one of the best Disneyland tips for saving money! Or if you have a large family and would need to rent two or more hotel rooms, this might be an excellent option as well. We are talking savings in the hundreds!!!

When considering vacation rental there are a few things you need to consider when comparing the price.

  • The cost of breakfast that would have otherwise been included in your hotel stay
  • Cleaning fee (Usually $150-$300)
  • Service Fee (Usually $150-$180)
  • Distance to Disneyland (Disneyland parking is currently $20 per car per day)


8. Distance to park to save on shuttle and/or parking

The entire reason you are looking for a place to stay is so you can go enjoy your time at the happiest place on earth! So a another one of my Disneyland tips to save money is to take into consideration for your vacation budget is the cost of parking, shuttle, uber, or however you plan to get there.

The very best option is to find a hotel that is close enough to the park that you can walk. This could save you the cost of parking at the park or taking a shuttle from the hotel.

If a close hotel isn’t a budget friendly option, look into the cost per person of using the hotel shuttle versus ordering an Uber. (I have to give credit to my hubby for this idea!)

If there are just a couple of you in your party then the shuttle is probably the way to go since the cost is usually around $5-$8 per person each day. BUT if you have a party of three or more an Uber might work out to be cheaper since a ride from a hotel within 2 miles of the park will cost you about $8 each way and that cost can cover several people!

If you haven’t used Uber before, you can use my Uber CODE: brittanyc16157ue and you can get your first ride for FREE! (value amounts vary by location)


BONUS! Mock Scenario – Hotel Cost Breakdown vs. Vacation Rental Cost Breakdown

To help give you a better visual of what the cost break down of hotel costs versus AirBnB costs, I created this worksheet for you to take a look at.

Make sure to watch the video to get a better explanation of how I got the numbers for the cost comparison.


Planning your family Disneyland vacation on a budget you have to be sure and get the lowest price possible on your hotel! Use these 8 Disneyland tips for saving money on your hotel to make sure you save big on these 8 hidden costs!