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What does it look like when a family of five eats on only $400 a month? That’s exactly what our family does! A lot of times, we don’t even use the entire months budget!
You might imagine that we eat the same boring meals month after month. Top-ramen, chicken, and grilled cheese are what you might think are our staples.
If that is what you believe it takes to make a $400 monthly grocery budget work, then you are wrong! (Not to be rude! Sorry if that’s how that came across in writing. Xoxo)
This is why I love to share our monthly meal plan and grocery haul with you. To prove that eating delicious food on a super tight budget is 100% doable!
The last month of the year! How has your budget been this year? Did you finish where you wanted?
I would say that my hubby and I are happy with where we ended the year. We don’t have exactly the amount of savings we were hoping for, but if you check out November’s One Income Family Budget Update you will know that we made a decision (on purpose) that we knew would leave our budget where it currently sits.
We are totally okay with that!
And let’s not forget about how our family finished paying off over $20,000 of debt this year! We put in a lot of hard work to become debt free! Lot’s of overtime worked by hubby, strategic budgeting and meal planning, and careful cash spending.
I want to invite to you save hundreds of dollars with me next month!
Do you want to know how you are going to do it? Easily, with a no spend month!
The first time our family did a no spend month, I was shocked at how easily we saved over $500! That was on an already super frugal budget.
Imagine how much money could save! I would not be surprised if most of you save over $1,000 by joining our family in a no spend month!
Check out this video to get more details on January 2017 no spend month and exactly why our family is doing it.
This post contains affiliate links at no additional cost to you. Thank you for supporting Pennies Into Pearls by using my links!
There is ALWAYS a way to save at Target. Doesn’t matter what department you are in, you can always save some moo-la!
Doesn’t that just make you completely have a Jerry Maguire type crush on Target… “You complete me!” or “You had me at hello!” That is exactly how I feel every time I walk into this blessed store!
With the holidays here and all the shopping you are going to be doing, it’s even more important to save. THOUGH, all of these tips will help max out your savings at Target ALL YEAR long!
This post contains affiliate links at no additional cost to you. Thank you for using my links to help support Pennies Into Pearls.
Debt can be crushing, discouraging, suffocating, distracting, and depressing all in one breath! It doesn’t matter how much debt you are in, it is prison!
I know very well the physical and emotional expense debt can have on a person. Our family had racked up over $20,000 in debt! Oh. Oh no! I’m getting lightheaded just thinking about it!
Oh but wait! Never mind. I’m okay! That’s right… as of October 20, 2016 our family is completely DEBT FREEEEEEEE!!!!!!
When you are really good friends with someone, you want to do nice things for them. Which is why… ta-da! I have put together this meal planning on a budget toolkit for you, my Pearls!
This is the exact method our family uses for meal planning on a budget that has saved us over $6,000 this last year! That is based off of an already frugal lifestyle. If your family is in the beginning stages of cutting your expenses, I am sure you will be able to save even more money then we have!
That first time you open your bank statement in the New Year and realize you really went overboard on your spending… That pit in your stomach with the thought, “What was I thinking? What is wrong with me? Don’t I have any self-control?”
Parties, gifts, travel, cooking and baking, are some of the highlights of the holiday season! Every single time you swipe that card this season, it adds up. Real quick!
That’s why finding easy ways to cut your spending should be at the top of your priority list right now!
Raise your hand if you have debt… Don’t by shy because there is a good chance that pretty much everyone reading this article is right there with ya!
That nagging payment you have to make every, single, month! It is so irritating to be paying someone else money and not getting anything in return! Right?!
Not only are you paying back money that you have already spent, but you are actually paying back more money than you borrowed because of the crazy amount of interest you are paying. Blah!
Okay, deep breathes and let’s move on!
