Saving money can be really hard sometimes, especially when you are trying to get out of debt. One of the biggest places that we spend our money is on groceries (which is not surprising with a family of 7). However, since the beginning of the year we have been working very diligently to cut our expenses to get closer to financial independence. One of the most difficult budget categories for us is groceries. But we have found a few ways to help us save a bundle on groceries, which has really helped!
I don’t know about you, but we are thrilled that Spring is almost here! But with the new season, comes Spring Break for our kids. Of course, they all want to know where we will be taking them. The kicker is that just because they have the week off, doesn’t mean that we do. Sadly, that is not always how “adult” life works. Even though we won’t be taking them anywhere for Spring Break, we still have some fun plans in store for them. The bonus is that these ideas won’t kill our budget either!
Here we go again! Yes, that’s right. Valentine’s Day is here again and it is time to show off our plumage to keep the fire burning with our partner. But what is the best way to do that without breaking the bank? That is a very good question!
With the beginning of the New Year, comes the standard desire for change. At least for the majority of us. Well, we happen to be no different in that we know that we can do better. Therefore, when we had our end of the year budget meeting to go over all of the numbers, we decided to make a big change with our budget.
We all want to start the New Year out right and change some things that aren’t working for us. For a lot of us, that means changing the way we eat and spend our money. So what if we tackle both of those topics in one fail swoop? Let’s dive into how to save money and eat right in the New Year to create some balance.
When it comes to appliances, these are things that are must haves in our current society, not want to haves. Just because we must have them in our day to day lives, doesn’t mean that we must spend a fortune on them. Appliances are like cars in my mind. We need them but we don’t need all of the extra stuff they are trying to get us to buy. Not only that but certain brands perform longer and stronger than others. Since we have to have them, then why not save money on the initial purchase of a good product to save even more in the long run?
When it comes to household expenses, food almost tops the list. This is true of most American households, which makes it one of the best places to start cutting back to save money. But how is it possible to do that with the ever creeping price of food? Oh, it can be done! Sometimes, we just have to be a bit creative, but cutting the food budget is definitely something that can happen.
For years – years – Rick and I struggled to overcome debt. We failed every time. Oh, there were times of debt freedom, but we inevitably fell back into debt again. So what made the difference for us between failing at getting out of debt and succeeding at getting out of debt? One huge key was attitude. We learned to overcome the mistakes that broke people make and to stop believing the lies that broke people believe.
Another vital key was that we learned to understand what it was that was prohibiting us from getting out of debt in the first place. There were several habits and mindsets that were keeping us from succeeding on a long-term basis from dumping debt. Now that we’ve overcome them and are successfully dumping our debt, I thought it would be a good time to share what we’ve learned. Enter, 7 reasons why you can’t get out of debt. Read more
We’re nearly a year into our “getting out of debt” journey here at The Frugal Farmer Family. I finally feel like we’ve got some experience under our belts, so to speak, and can share a bit about what it takes to get out of debt. For most in serious debt, there is no easy road. Most people with debt aren’t going to be able to buckle down for six months and be debt free. For the majority of those who want to get out of debt, it’s going to be a road that takes a few years to finish.
But those years are likely going to pass anyway, whether or not you choose to use them to get out of debt. So the question remains: What do you want your financial life to be like 5 years from now? Read more