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September 2017 Real Life Family Budget Update

The key to keeping a budget that you can actually stick to, is to keep it evolving with your family. As much as I’m sure you would love to “set it and forget it”, that’s just not realistic. But the good news is that updating your budget is not hard at all! That’s what I am showing you in this month’s budget update!

We have some major changes coming up in relation to our family finances! As in, we hopefully will be buying a house!!! Fingers crossed! Be sure to keep up to date on our house hunt updates and to get all the details in real-time by following me on Instagram.

This new change will increase our “rent” from $1,200 a month to just around $2,800 a month. Super crazy!

Real Life Family Budget Update Continue Reading →

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First Time Home Buyer Update #2 – Putting in an Offer

The first time home buyer process is no joke! At the time of recording of this house hunt update, it has been about seven months since we started looking to buy our first home.

Though the process is going slow for us (because we have high goals in a challenging market!), we are learning a lot about a bunch of different programs. In today’s first time home buyer house hunt update, I explain how a FHA 203k loan can help pay the costs of remodeling.

What goes into putting an offer in on a house? One of the top first time home buyer questions answered in simple terms. What goes into buying your first home? What types of first time home buyer programs are available? This family is sharing everything they learn along their first time home buying journey! Continue Reading →

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How to Choose a Quality Mattress on a Small Budget

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

Remember when you were a kid and the biggest purchase you had to worry about was which candy bar you were going to invest your dollar in? That one decision could take you a long time! The same thing happens as adults. We can end up being stuck on deciding between different brands but the purchase price is a tad bit higher!

There are a few big purchase items that are necessities when it comes to furnishing your home. You can’t really live without a fridge, you could possibly make due without a washing machine or dishwasher, and a mattress is probably one of those items you can’t live without.  

This family has found the best mattress of 2017 that happens to be one of the cheapest mattress options and it’s delivered to your front door! The family needed to find the best mattress for back pain but on a small budget. Plus she shares tips on how to choose a mattress for anyone in the family. Continue Reading →

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August 2017 Real Life Budget Update – $2,182 Saved!

It’s that time of the month again where we vulnerably open up our bank account and share with you in our budget update everything that went in and out of our real life budget over the last 30 days.

With hubby’s schedule changing it is leaving even less time for date nights or family time where all five of us can be together at the same time. It’s things like this that have always caused speed bumps in our budget in unexpected ways.

How a simple one REAL LIFE family budget helped pay off almost $20,000 in debt in less than one year and now puts over $2,000 into savings each month! If you are overwhelmed by debt and are trying to live on one income, learn from this family how to pay off debt quick and start working towards your savings goals! Learn how to save money on a small budget! Continue Reading →

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4 Steps on How to Plan a Vacation on a Budget | Real Life Costa Rica Vacation Budget Breakdown

Hubby and I just went on the most amazing Costa Rica vacation! Eight days of pure heaven on earth. The rain forest, wild monkeys, quiet beaches, exotic wildlife, peaceful hot springs, and views that never get old.

That all sounds like an expensive vacation but we were able to make our 10 year wedding anniversary unforgettable on a limited budget. I want to show you how we did it so you can do the same thing too!

Follow these four SIMPLE STEPS on how to plan a vacation on a budget and start planning your vacation today! Your dream vacation is 100% doable when you learn how to travel on a budget. This girl shares real life numbers of exactly what her family spent on their Costa Rica dream vacation!

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5 Tips to Save on Back to School Shopping

This article is sponsored by Shoptagr. All opinions on saving money are my own and are 100% genuine. Thank you for supporting Pennies Into Pearls by using my links! xoxo

Do you want to know a hack to never pay full price on anything ever again when back to school shopping (or any time)? A secret that will allow you to stop scanning page after page of weekly ads!

This year our family was able to save over $100 on our back to school shopping. I didn’t pay full price on a single item and I didn’t spend a single second scanning the back to school sales!

5 Hacks to never pay full price on anything ever again when it comes time for back to school shopping. My new favorite app that does all the sale searching for you. Tips on the best ways to use the app to save the very most money possible. How to set a budget for back to school shopping. How to know what prices are “good” prices. When’s the best time to jump on a hot sale! Continue Reading →

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June 2017 One Income Family Budget Update

Do you want to take a complete look into real life numbers of our one income family budget update? Learn from our mistakes so you can get on track to your financial freedom faster!

We had some unexpected changes to our one income budget this month. Here is a look at the REAL LIFE NUMBERS of our middle income family trying to live our dream life in one of the most expensive cities in the United States.

A complete look into real life numbers of our one income family budget update! We had some unexpected changes to our one income budget this month. Here is a look at the REAL LIFE NUMBERS of our middle income family trying to live our dream life in one of the most expensive cities in the United States. Continue Reading →

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Best Grocery Rebate App + 5 Tips to Max Your Cash Back!

Meal planning is one of the two lifestyle changes our family made that has helped us get out of $20,000 in debt and has also helped us avoid overdraft fees and actually stick to a budget! One way we maximize our savings with meal planning is by stacking the savings at the grocery store. So let me tell you about my very favorite, and in my opinion, the very best grocery rebate app. 

I use it all the time and talk about it in my monthly grocery hauls and get tons of questions. My very favorite way to get free gift cards using my very favorite rebate app, Ibotta!

The very best rebate app tutorial and in this Ibotta tutorial I am giving you my 5 pro tips on how to get the maximum amount of cash back into your wallet! Make sure to watch all my Ibotta hacks to find out how to get your $10 cash back instantly using my Ibotta reward code! Continue Reading →

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January 2017 One Income Family Budget Update

Wouldn’t it be nice to see the exact numbers of another family’s finances? A family who has successfully paid off over $20,000 of debt on one income. A family who has found a way to live on one income in one of the most expensive cities in the USA.

I know that’s what I wished for back when we were trying to figure out how to make a budget that actually worked for our family.

Which is why we have started sharing our real life family finances with you! Every single month I get on here and lay it all out there, holding nothing back. You can learn how to live on one income by learning from our trial and error to help you achieve your financial goals even faster!

See the real life numbers of our one income family who has made it work in an expensive city, paid off over $20,000 in debt, and is currently putting away hundreds of dollars a month to save to buy their first home. You can learn how to live on one income by learning from our trial and error to help you achieve your financial goals even faster! Continue Reading →

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