Yep, it’s only August, but according to the latest data you’re going to spend some serious cash on holiday gifts and other expenses. The National Retail Federation said that holiday spending for 2016 exceeded their estimate, landing at 658.3 BILLION dollars. Read more
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
It costs money to look good. A recent article in the Huff Post showed that the average woman in the U.S. spends $8 a day on her face alone.
Montana girls came in at the lowest rate: $3.50 a day (go, Mrs. Montana Money Adventure!) while New York, Connecticut and West Virginia tied for the highest at $11 a day (although I doubt Mrs. Living Rich Cheaply spends $4k a year on her beautiful face. Andrew, what’s the scoop?). Read more
When there’s an unexpected change in your income like being fired, laid-off, demoted, the loss of a loved one who was the breadwinner, or getting a divorce you start to think about all of the things you won’t be able to afford. While the most prominent things on your mind are likely your house payment, groceries, and utilities, the need to have adequate health insurance is also something to think about.
***Disclaimer: We are not medical doctors and are simply sharing our opinions here and what has worked well for us. Consult your doctor before changing your health care plan or the way you manage your health.
Four years ago, in our quest to cut expenses, we changed to a higher deductible health insurance option with lower premiums. We realized this was a bit risky with 4 kids, so in order to ward off some of this risk, we’ve put some practices in place to help minimize our need for medical care. We’ve found that by optimizing our health, we rarely go to the doctor now, and have saved several hundred dollars, at least, in our healthcare spending each year. And it’s working. In fact, in 2016 we only spent $139.55 out of pocket for medical expenses not including our monthly premium, even on our high deductible plan. We’re no longer those people that the doctor’s office knows so well. We show up every year or two for our annual physicals, and that’s about it. Here’s some of what we’re doing to keep healthcare costs low. : Read more
One of the ways we’re able to feed our family of six on roughly $400-$450 a month is by “double-dipping” on our meals. The concept of double-dipping where meals are concerned is basically that you re-use what you’ve got left to make another meal. Read more
One of our most popular posts, I’m republishing this with updates. Something for every dad on your list here!
With Father’s Day just around the corner, we thought we’d share some great gift ideas for those who want to pick up a little (or big) something for dad or hubby on Father’s day. Surely there’s something for everyone on this list. From the fun to the simple to the extraordinary, pick a gift and spoil your dad or husband a bit this Father’s Day.
It’s that time of the year when graduation caps will be flung in the air and high school seniors everywhere will be reflecting on their lives as children and anticipating what they’ll do with life as a legal adult. Some will be heading off to college to tech school, while others will immerse themselves into the working world, eager to start funding their hopes and dreams. Read more
This article was sponsored by SelectQuote, but all thoughts and opinions are my own.
When we started working to pay off our consumer debt, we began by going through every single line item in our budget. The goal was to determine which expenses were truly value expenses in our life, and which were merely temporary, feel-good expenses that were hindering our ability to become debt free. Read more
One of the biggest expenses families have is the cost of feeding them. There are many articles on the Net about “starving” families that are forced to spend a “measly” $12 to feed their families at the local fast food joint in order to survive, thereby affecting their health.
When we started cutting costs in 2013 in order to pay off our debt, we started with our grocery budget. By continually tweaking our techniques, we’ve learned how to feed our family on less than half of what the average family spends.
Friends, I’m going to share today how we feed our family of six on about $450 a month and they eat well and have full tummies. Read more