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Money

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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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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 →

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30 Day Family Finance Rescue OPEN FOR ENROLLMENT!

Do You Have an Inheritance?

Nah. I don’t either…

Some people might “get lucky” or be blessed with an insanely wealthy inheritance. As for the remainder of us average Janes, it is vital that we get this finance thing figured out. Our family’s future literally depends on it!

Tough love alert!

Once you allow yourself to get over the pity party and perform a self-diagnosis of what negative money mentalities are holding you back, that is the moment you direct your family on to the course working towards an insanely exciting future.

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5 Ways to Be Sure Your Budget NEVER Fails!

Failing is good!

I’m so glad we failed when we did! No joke. The fact of life is that we are not going to be perfect at most things. Especially not the first time we give them a go.

Here’s the thing, I am a huge believer that there is something to be gained, a positive, an upside, however you want to word it, there is always something to learn from every experience. No matter what!

You get to choose. Do you want to continue down the Debbie Downer road, or are you going to learn from you mistake and make sure that you do better next time?

Take it up a notch, not only are you going to do better next time, but you are going to rock it out of the park!

 

Are You Failing?

You’re not going to be perfect with your finances. There is always going to be room to grow. SO GROW!

One of my favorite quotes from “Girl Stop Apologizing” by Rachel Hollis is, “Failure means that you’re living. Failure means you’re trying.”

Keep trying! Don’t you give up because it got a little uncomfortable!

The only way for you to truly fail is if you let the struggle paralyze you from moving forward. The only way you will fail is if you don’t keep going!

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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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 →