Author: Laurie

How to Save Money with DIY Senior Pictures

Since we began this whole “frugality” thing in 2013, we continue to look for ways to DIY things we’d normally hire out for. Our biggest victory (possibly until now) was do-it-yourselfing our son’s speech therapy.

“S” couldn’t say his R’s – they came out sounding more like W’s. After just a few short lessons with a YouTube video from a certified speech therapist, he had it down!!

We were psyched. No driving from our country home to the city several times a week for speech therapy, and no spending hundreds (or thousands) of dollars for speech classes.

Our most recent DIY victory? Taking our oldest daughter’s senior pictures. Read more

How to Break the Paycheck to Paycheck Cycle (and Start Building Wealth Too)

Recent studies show that as many as 76% of families live paycheck to paycheck, meaning there is absolutely no money leftover at the end of the month.

Having lived this way for several decades, I can attest to the fact that it’s no fun being in a money situation where you regularly have more month than money.

Four years ago, my husband and I finally got “sick and tired of being sick and tired” of the paycheck-to-paycheck lifestyle. We had no idea how we were going to change things, but we KNEW that we were done living the stressful life of having no money and loads of debt.

Here are the steps we took to break the paycheck-to-paycheck cycle and start getting out of debt once and for all.  Read more

4 Ways to Reduce Healthcare Costs in Retirement

**Disclaimer: I am not a health care professional – I am simply sharing my experiences and opinions here.

One of the major fears for people in retirement is the fear that health care costs will devour their retirement savings long before they can afford to live on Social Security alone.

With the average American having a median retirement savings balance of just $5,000, not having enough money to cover health care costs is a realistic fear.  Read more

Is Buying A New Car Really That Bad?

According to Experian’s State of the Automotive Finance Market’s latest report, people are still living with a love affair of driving expensive cars.

But is buying a new car really that bad? Does it really destroy your chances for financial freedom like so many experts claim it does? Read more

Buck Up and Dream

At a large-ish gathering this weekend, I came to the realization that much of our society has been brainwashed into believing certain things about life that simply aren’t true.

I’m still in shock over the lack of education in many of these areas.

I know I don’t often write snarky posts, but for the last two days I’ve been feeling an urgency on my heart to speak to those who are still stuck in the world of the status quo, and you may see a little “snark” along the way. . Read more

Ways to Save Money By Managing Expenses Proactively Instead of Reactively

Hey, friends! Today we have a guest post from fellow blogger Mrs. Raggedly Rich. Enjoy!

One of the best ways to manage expenses proactively instead of reactively is to plan ahead.

Doing this is second nature to me. And it always comes in handy. Whether it’s travelling from one city to my hometown at the end of a contract, or backpacking across Europe for a month, my default is to plan ahead.

When you diligently research routes, hunt for tips & tricks, and spend hours processing the information, it can only do you good in the long run. There is a balance you need to achieve when you go the researching route – everyone’s different. Read more

Is it Easier to Pay off Debt or to Diet?

Greetings, friends! Today we have a guest post for you from fellow blogger, Sara Williams. Sara started the Debt Camel blog a few years ago where she chats about everything to do with debt in Britain, from mortgages and credit ratings to payday loans and bankruptcy. Enjoy!

Losing weight and getting out of debt have a lot in common. Keeping a spending diary is like tracking your calories, both need a lot of will power, crash methods usually fail pretty quickly.

And with both there will be some bad patches. Christmas can be a disaster for your waistline and your wallet! Read more