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December 2016 One Income Family Budget Update

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.

A simple one income family budget helped to save over $5,000 in only two months! Learn how this family has been able to save money for a house, in an expensive city, on just one income. It’s not complicated at all! Here are the exact numbers from our family bank account! Continue Reading →


January 2017 No Spend Month Invitation

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.

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8 Secret Strategies to Saving Big at Target

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!

Secret tips exposed on how to take advantage of the NEWEST ways to majorly save on your next trip to Target! You are spending way more than you need if you aren’t using these tips on how to save money at Target! Continue Reading →


Meal Planning on a Budget – FREE Printable Toolkit

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!

Stay on budget and organized with this FREE PRINTABLE Meal Planning on a Budget Toolkit. Easily save over $500 this month by using this step-by-step guide on how to meal plan on a budget. This is the exact system our family of five uses to save thousands of dollars each year, simply through meal planning!
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How to Save Money on Your Holiday Groceries

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! 

Make sure you are saving the most money you can with a quick look at this Price List. PLUS, QUICK ways to save money for Christmas this year, here are 3 Simple Tips on how to save money on your holiday groceries. Learn how to save money now so you can spend it the way you want to this Christmas! Continue Reading →


October 2016 One Income Family Budget Update

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!

How a simple one income family budget helped pay off almost $20,000 in debt in less than one year! 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 on just one income! Learn how to pay off debt on a one income family budget. Continue Reading →


The Trick to Affording a New Wardrobe When You’re Broke

This post contains affiliate links.

You know how they talk about the many many MANY hats of a mom. The chef, the chauffer, the nurse, the teacher, the counselor, the doctor, and the list really is endless.

Well, who has the cash to pay for all those outfits? Not this girl! That’s for sure!

The good news is that there is a simple solution to help you dress the part of carpool in the morning and flawlessly transition for a hot hubby date night! All with making a few simple tweaks to a must have closet staple.

This simple idea to find new and cheap outfit ideas will help you create an entire new wardrobe! There is one easy thing you can do to afford a new wardrobe and it’s probably not what you think. Finding cheap outfit ideas for winter, spring, summer, or fall, wont be a problem even if your budget is tight! Continue Reading →


October’s Monthly Grocery Haul

This post contains affiliate links at no additional cost to you. Thank you for using my links to help support Pennies Into Pearls.

Nah! I don’t need a few extra hundred dollars this month. I am SO loaded that I really don’t care about those hundreds of dollars that could be sitting in my bank account right now!

Yeah right! Are you kidding me!?! I don’t know a single person, poor or well off, that would EVER say this!

Even if I could save just $100 a month I would totally do whatever it took. Wouldn’t you? Do you want to know why? Because that is $1,200 a year my friend! Talk about cutting expenses!

An ENTIRE month’s worth of groceries for UNDER $400 for a family of 5! I love how she shares the grocery rebate app she uses to save money quick. It’s better than couponing! Tips on how to meal plan the best & easiest way possible so you can maximize your savings, eat healthy and delicious!

How Much Could I Really Save?

That is exactly what monthly meal planning has done for our family! We used to spend close to $900 each month on food. Now we are down to less than $400 each month for our family of 5.

If you combine that savings over a one year period, that’s around $6,000 we are saving each year! Simply by sticking to a meal plan!

YOU can totally do this too! Most families in the USA spend more that $900 a month on food. How much money could you be saving?

How Can I Start Meal Planning?

If you want more information on how to get started with weekly meal planning you can check out this article. Or if you are ready for the big guns and REALLY start cutting down your expenses, check out this article on how to start monthly meal planning.

Think about what you could do with that hard earned cash!

So every month over on my YouTube channel, (which you should totally subscribe to because it’s pretty fun over there) I give you guys a behind the scenes look at our monthly grocery haul.

Would you guys be interested in seeing exactly what we I put on our menu every month?

Are we Going to be Eating Boring Foods on Such a Small Budget?

I do like to mix it up a lot. I don’t repeat any meals within the month and I like to keep the cuisine types fresh and new. We aren’t eating mac and cheese every night, if you know what I mean.

Mexican, Italian, American, and maybe Mediterranean. I find ways to make delicious meals five times a week, all within our $400 monthly grocery budget! I can share the details with you guys if you would like?

Leave a comment below if that’s something that you would be interested in!

It’s More Than Just a Grocery Haul!

In each of my grocery haul videos on my YouTube channel, I do a lot more than just walk you through what we bought that day. We are better friends than that!

I LOVE to share with you price points that I look for while I’m doing my grocery shopping. One of the best things about shopping for a month’s supply of food, is that you can shop in bulk on more things, which usually gets you a really great price!

Within each video I also share my quick and easy tips with you to save even more money. I’m talking, saving MORE money then what you are already going to be saving by meal planning.

This month I am sharing with you my very favorite rebate app called Ibotta. You will have to watch the video to get more detail but the main reason it’s my favorite right now is because you can get rebates on off-brand items. So look for the product with the lowest price, and then get a rebate on top of that!

BONUS!!! If you sign up for Ibotta using my links here or by using the code: qybjrj you will get $10 instantly after you redeem your first rebate!

I just bought several new fall outfits using the money I have earned through using Ibotta! Seriously! Okay, I’ll do a video to prove it to you! Stay tuned for that!

October Grocery Haul

Without further adieu, here is a look at what our MONTHLY grocery shopping looks like! Don’t forget to subscribe to my YouTube channel so you don’t miss out on the fun!



Copyright: <a href=’http://www.123rf.com/profile_maglara’>maglara / 123RF Stock Photo</a>


A Shopaholic’s Guide to Becoming Debt Free – First Ever Book Club Party Announcement!

I have a fun idea for us to hang out!

What do you think about once a week, we get together, eat something super tasty, pretend like we don’t care how many calories we are devouring, and all the while we have some heavy (in a fun way!) girl talk going on!?

The chitchat will all be centered on a few chapters taken from the current book that we are obsessing over.

Doesn’t that sound super fun! I’m a lot excited about it! What a great way for us to better get to know each other?

Our first book is THE PERFECT read for someone who needs a heavy dose of shopaholic’s anonymous! It’s for someone whose desire to spend is borderline addiction.

You need to break the pattern of endless online shopping and figure out how to pay off debt quickly so you can get your financial freedom back! Fresh air! Actionable steps you can take today to get out debt and take back control of your spending! Continue Reading →