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How to Start 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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Your Frugal Living Questions Answered

The other day on Instagram I requested all our Pearls to ask this frugal living mama anything. You ladies came up with some really fun questions!

Some of the questions are related to family finances and some are random questions related to our everyday life. At first I thought I might leave those ones out, but on second thought left them in.

On some level, every decision we make can boil back down to our core values of frugal living. From the kind of hair products I choose to use to the worries of my husbands job. They all play a role in the decisions we make with our finances.

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When learning about frugal living there are so many questions that run through your head. Continue Reading →

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Our Family Finance Rescue Story

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

I know how it feels! The weight of all your financial worries makes you feel like you can barely tread water for one more second before your head goes under! You find it mind baffling that for some unknown TO YOU reason you can not stick to a budget even if your life depended on it.

I am talking about how we got our family finance in order and paid off $20k in debt and how there is hope for you too! I’m sharing my secrets and giving you a dose of serious motivation to get started with your family finances in 2019! Continue Reading →

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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 →

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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 →