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how to start a budget Archives - Pennies into Pearls
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how to start a budget

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Our One Income Budget Update September 2016

We used to be those people who say things like, “Yeah! I think we can afford that.” Then spend the money without another thought. Four days before payday, we would get the dreaded notice of Overdraft & Fees!!

This literally was happening to us more than once a month! Things are quite a bit different now!

What did we change? Well, it’s not complicated at all. It’s called a B-U-D-G-E-T. Don’t freak out! (I feel like I say this a lot! Haha!!)

Living on one income can be tricky, especially when you live in an expensive city. If you want realistic tips on how to live on one income, THIS IS IT! Here are our budget’s REAL NUMBERS for our one income family of 5, living in one of the most expensive cities in the country. Continue Reading →

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Free Meal Planning Printable

Happy Monday!

Today is the last day of the month and the beginning of the last week of the of my current meal plan. Do you know what that means? It’s time to plan again!

If you want to cut your grocery bill in half then you need to read this article on how we only pay $400 a month on groceries for our family of four.

In that article I tell you all about how to set your monthly meal planning process, why I switched from a weekly meal plan to monthly, and how you starting monthly meal planning is going to SAVE HUNDREDS OF DOLLARS!

How does that sound to you? Pretty nice, right?

Monthly Meal Planning FREE printable. Easy steps to cut your grocery bill in half by simply starting monthly meal planning. Three reasons I can not stop talking about meal planning! Continue Reading →

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3 Month Plan for Getting Your Family Finances on Track

Having a family is one of very most rewarding and fulfilling things we have in our lives. Family fills our memories with a lifetime of “firsts” and “the best” type moments. I really believe that there isn’t anything else that can bring more everlasting happiness then our families!

But that doesn’t mean if we have a family then we have everything set and we won’t ever have any challenges in our life. Not at all! One of the top causes of stress within a family is propelled by family finances.

3 Month Plan to Control Your Family Finances. Love that this article has real world tips to help manage family finances. Very helpful advice for family finances. Continue Reading →