Family Balance Sheet

My Word for 2021

Family Balance Sheet

Choosing a word to focus on for the New Year has been very popular over the years. I joined the crowd many years ago only to completely forget about my word by mid-March. But 2019 was different. My word was REDUCE.

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Family Budget Spreadsheets 2021

Family Balance Sheet

Are you ready for a fresh start? After the year we’ve had, I think we all are! If your fresh start for the New Year includes improving your finances, you are not alone! Saving more money is one of the top resolutions that people make…after getting in shape and eating healthier.

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How We Frugal-ed in November 2020

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November is the start of what can be an expensive season. Here’s how we frugal-ed our way through it. Frugal Wardrobe in November: I have a small bedroom closet, so I like to keep my wardrobe fairly lean, but highly functional.

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7 ALDI Soup Ideas

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Are you an ALDI shopper? I pulled together a list of ALDI soup ideas using ingredients I found at the store. These family favorites are hearty, tasty, and easy on your grocery budget.

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My 2021 Planner

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Are you looking for the perfect 2021 planner? Today, I’m sharing mine. It is highly functional, affordable, and at the moment, wide open for all the possibilities and opportunities that 2021 will bring. While I embrace the digital world, paper is the way I plan my life.

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How to Create a Family Balance Sheet + Get a FREE one for your family!

Family Balance Sheet

Need a quick snapshot of your finances? Let me show you how to create a Family Balance Sheet. I’m a firm believer that finances must be organized and neat, and a Family Balance Sheet helps you keep track of your finances in one tidy spreadsheet.

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How I Organize My Kids’ Paperwork, Artwork, and Mementos

Family Balance Sheet

Kids create a lot of paper during their childhood. They create a lot of other stuff too, but that’s for another post. Today, I’m sharing how I have handled ALL of the paper, artwork, mementos, and miscellany over the last 14+ years that I’ve been a mother. For starters, both of our girls are sentimental. They like to hear stories, especially of their birth through toddler years. They love to look at pictures and videos from before they can remember.

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How to Cook Split Bone-In Chicken Breasts

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Looking for budget-friendly protein? Consider split bone-in chicken breasts. They’re less expensive than boneless, skinless chicken breasts and won’t dry out while cooking. What is a split bone-in chicken breast? A split chicken breast is a chicken breast with the bone and skin. Two split breasts equal one whole chicken breast. Sometimes, the breasts are still intact and might be called whole chicken breast.

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How We Frugal-ed through April 2020

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April 2020 might go down as the most frugal month of my lifetime. With the global pandemic and the decline of our small business, I have flexed frugal muscles that I didn’t know I have. Operation Frugal Living is in full swing at my house. We’ve always been a frugal household by being intentional with our money, but we have been affected financially by the pandemic, so we need to stretch our dollars even further.

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How I’m Managing our Family Budget during the Pandemic

Family Balance Sheet

Like many across the globe, my family’s finances are a bit unstable due to the Coronvius Pandemic. I feel like going forward life will be known as Pre-Coronavirus and Post-Coronavirus , kind of like what happened after 9/11. Pre-coronavirus, we didn’t think twice about shaking a stranger’s hand, using the ATM keypad, or going to the grocery store without donning a hazmat suit.

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Free things to do during the quarantine

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Governors across the country have ordered many of us to stay home. Shout out to the health care workers, grocery store workers, restaurant workers, cleaning and sanitation workers, truck drivers, military personnel, journalists, and everyone else on the front lines. Thank you for your service! Personally, to pass the unexpected free time, I’ve cleaned out closets and cupboards, taken walks, spent way too much time on social media, baked, cooked, and eaten way too many snacks.

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How We Paid off Six Figures of Debt

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In September 2019, my husband and I accomplished our biggest financial goal in our almost 20 years of marriage. It was so big that I cried for two days straight– we paid off six figures in non-mortgage debts. How we got to six figures of non-mortgage debt: In the summer of 2012, we found an opportunity to purchase an office building for our small business. We had been renting for over 10 years and we were ready to find a property to move our business to and eventually build our net worth.

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7 Aldi Grilling Ideas

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Are you an Aldi shopper? Do you love to grill? I used the Aldi flyer and put together a meal plan of 7 ALDI grilling ideas. Everything was DEE-LICIOUS! A few details about this list of ALDI Grilling Ideas: ** I planned these dinners around my family of 4, which includes 2 adults, 1 teenager, and 1 tween. Both of my girls eat as much as adults. In a few meals, I used the cook once, eat multiple times method.

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How Angela & Jeff paid off $58,000 of Debt in 2 Years

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Meet Angela. I watched her and her husband’s debt free scream on The Dave Ramsey Show. When I heard her mention that she had a You Tube channel, I just knew I had to ask her for an interview. I was thrilled that she agreed, and I think you are going to love this couple’s story. You can find Angela at her You Tube channel, Our Life…on a Budget , where she vlogs about getting out of debt and staying there! Angela & Jeff’s Debt Free Story.

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Delicious Summer Cookout Recipes

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Don’t heat up the kitchen! Fire up the grill! Every night is a cookout in the summer. Here are 20 delicious summer cookout recipes. Enjoy! 20+ Delicious Recipes for Your Summer Cookout. Grilling Tips: How to Grill Chicken Without Drying It Out like the Sahara – Grilled chicken breast is quintessential with summer grilling. I used to serve the most pathetic dried out grilled chicken breasts until I discovered the secret! How to Grill BBQ Chicken Without Burning It!

How our Debt Freedom Plan Prepared Us for the Pandemic

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We have hit uncertain times and this pandemic has felt like a wall that is unscalable. For many households, their finances and budgets are in limbo. Businesses have shut down, manufacturers have paused production, and many people have been laid off or furloughed. Life, as we knew it came to a halt for so many of us in mid-March, and life going forward will forever be known as pre-pandemic or post-pandemic. Everything changed. My family’s finances have also been affected.

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How this Couple Eliminated $180,000 of Debt in 12 Months!

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Meet Kristy, aka, The Former Mrs. Jones. I first heard her story on the Dave Ramsey show. The segment was so inspiring that I reached out to her to see if she would participate in the Debt Free Stories series. I was thrilled that she said yes, and I’m super excited to introduce her to you. She hosts a You Tube channel, The Former Mrs. Jones , where she vlogs about budgeting, debt free living, and family life. Meet the Former Mrs. Jones: Her Debt Free Story.

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Basic Frittata Recipe

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Looking for an easy meal, but short on ingredients? A frittata is a quick and hearty meal that is a great way to use up any leftovers or food that you already have in your refrigerator or freezer. . Basic Frittata Recipe. I love the ease and flexibility of a frittata. It makes a great dinner, breakfast, brunch, lunch, and snack. The ingredient and flavor combinations are endless, so create your own version with your favorite ingredients.

Rakuten Review: How to Earn Cash Back

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Ebates is NOW Rakuten! Same great product, just a new name! This is my honest review. All links to Rakuten are to my referral link. When you join, you will also get a referral link to share with your friends to earn additional cash back. If you do any shopping online, whether it’s at a department store, discount store, travel, or vacations, you are leaving money on the table if you’re not shopping through an online portal, such as Rakuten. What is Rakuten?

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How We Frugal-ed in January!

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Welcome to my first “How We Frugal-ed” recap of 2020. Frugal living is NOT about feeling deprived. Frugal living is being intentional with our money and creative with our resources, so we have more to put towards the things that are important to us. We want to live WELL, on LESS Money. Frugal Kitchen in January: Meal Plan. Meal Plan. Meal Plan. I started a new grocery shopping routine in January and it is working out splendidly!

My 2020 Financial Goals & A Recap of 2019

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I never really embraced the idea of choosing a word for the year. I tried it in the past and was gung-ho for the first month and then forgot all about the word. However, 2019 was the first year that I found a word that I could stand by. I adored my word and everything about what I was trying to achieve for 2019. I even kept this below image on my refrigerator. By the end of 2019, I achieved one major bullet point and the others will continue to be a work in progress.

10 Smart Ways to Become Debt Free

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It’s no secret, I am fascinated, encouraged, and border-line obsessed with debt freedom. The idea of becoming debt free makes me downright giddy. So I love to hear the success stories of others who have found debt freedom. But selfishly, I wanted to know their secret. How did they make it happen? What did they specifically do to become debt free? How hard was it? And is it possible for anyone and everyone? I wanted the nitty, gritty details.

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Christmas Savings Club | November 2019

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Today is the final meeting of the 2019 Christmas Savings Club! . On the 25th of every month from January to November in 2019, I held a virtual meeting on the blog to give updates on our progress, motivate one another, and help all of us save for a cash Christmas. The club was open to anyone who wanted monthly accountability to save for a cash Christmas.

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Christmas Savings Club | July 2019

Family Balance Sheet

Welcome to the 2019 Christmas Savings Club. The club is open to anyone who wants monthly accountability to save for a cash Christmas. On the 25th of every month from January to November in 2019, I will hold a virtual meeting on the blog to give updates on our progress, motivate one another, and help all of us save for a cash Christmas. My monthly goal is $100. This should cover my tentative 2019 Christmas budget that I based on what we spent in 2018.

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Find out how Lydia & her Husband Paid off $36,000 in Debt in 2 Years

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Today’s Debt Free Story is from Lydia. She blogs about living a limitless life on a limited budget at Frugal Debt Free Life. Tell us about you and your family. Where are you from? What do you and your spouse do for a living? What are your hobbies? Include anything that you’d like to add to give the reader an idea about your personality. I am Lydia and my husband is Jason and we have two little boys, Ryals and Isaac.

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15 Smart Tips to Save Money When Eating Out

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Who doesn’t love to dine out? The thought of someone else preparing my meal, serving it, clearing the table AND doing the dishes is quite dreamy. At one time, we ate out every Friday night and again on Saturday and Sunday for lunch. In fact, there were many weekends that I didn’t cook, because we ate out for every meal. Those days are long gone for us now as we’re working hard to cut corners and save money.

Summer Fun Guide 2019

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After a long-snowy-polar vortex winter, are you dreaming of blue skies and sunny days? We are! Summer is my kids’ favorite season. What’s not for them to love? My kids have three months off from school, will spend their evenings and weekends at the community pool, and hang out with the neighbor kids. As a family, we are looking forward to camping trips and a week at the beach.

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5 Easy Budget Categories to Reduce

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Need to cut your spending? We did too and these categories were the easiest to cut without feeling too much pain. The 5 Easiest Budget Categories to Reduce. Groceries. If you are trying to reduce your expenses, groceries should be the first thing you attack. They are by far the easiest & quickest category to reduce in a household budget. And my absolute #1 way to save money at the grocery store is to PLAN OUR MEALS.

Family Travel Destinations: U.S. National Parks

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Welcome to your guide to the U.S. National Parks. As a family, we have dreams of traveling extensively throughout the United States. And with travel comes planning, both financial and logistical, so my goal is to create a database of travel bloggers’ reviews of the U.S. National Parks. The History of the US National Park Service.

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30 Taco Tuesday Recipes

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Take your next Taco Tuesday up a notch with this list of 30 creative Taco Tuesday Recipes. From sandwiches and salads to casseroles and skillet dinners, you’ll transform your next Taco Tuesday from a plain taco night into a festive and delicious event. Taco Meat is a staple ingredient at my house. I make a big batch of Turkey & Black Bean Taco Meat to store in the freezer and then I always have a protein available. Taco meat is so versatile and is used in most of the following recipes.

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Christmas Savings Club | October 2019

Family Balance Sheet

Welcome to the 2019 Christmas Savings Club. The club is open to anyone who wants monthly accountability to save for a cash Christmas. On the 25th of every month from January to November in 2019, I will hold a virtual meeting on the blog to give updates on our progress, motivate one another, and help all of us save for a cash Christmas. My monthly goal is $100. This should cover my tentative 2019 Christmas budget that I based on what we spent in 2018.

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Introducing: Family Budget Spreadsheets

Family Balance Sheet

I’ve been working behind the scenes on a tool that I personally use to track and organize our finances: Family Budget Spreadsheets. This package of 9 Microsoft Excel spreadsheets is designed to help you organize your finances, plan for major purchases, create a budget, understand your cash flow, and track your net worth. Many years ago, we could say yes to the questions in the above graphic. This blog was based on my very first spreadsheet, the Family Balance Sheet.

2019 Debt Freedom Plan Update

Family Balance Sheet

Our Debt Freedom Plan has been a long winding road. The journey started in 2012 when we bought an office building for our business and then found ourselves with a lot of debt and not enough cash flow. We were trying to be responsible. We ran the numbers of the purchase and they looked great on paper, but paper doesn’t account for a new server, a roof leak, unexpected medical bills, and other calamities.

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Nifty Nifty, Guess Who’s 50…

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If you guessed this girl, you would be correct! If you’re a long time reader, you’ll remember that I turned 40 once. That birthday was surreal too, but back then I was in a mommy fog with my 3 and 1 1/2 year olds. Now, those squirts are 13 and 11, and I’m in a middle school fog…prayers are much appreciated…lol. Over the past year, I’ve been watching my high school and college class mates turn 50…thank you Facebook, and in September, I joined the club.

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Find out how Deacon & his Wife Paid off $52,000 of Debt in 18 Months

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Today’s Debt Free Story is from Deacon. He is a financial coach and blogs at Well Kept Wallet. Tell us about you and your family. Where are you from? What do you and your spouse do for a living? What are your hobbies? Include anything that you’d like to add to give the reader an idea about your personality. My name is Deacon Hayes and I am a business owner. My wife’s name is Kim and she is a High School teacher.

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Christmas Savings Club | August September 2019

Family Balance Sheet

Welcome to the 2019 Christmas Savings Club. The club is open to anyone who wants monthly accountability to save for a cash Christmas. On the 25th of every month from January to November in 2019, I will hold a virtual meeting on the blog to give updates on our progress, motivate one another, and help all of us save for a cash Christmas. My monthly goal is $100. This should cover my tentative 2019 Christmas budget that I based on what we spent in 2018.

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Find out How Brian & His Wife Paid off $109,000 in Credit Card Debt

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Today’s Debt Free Story is from Brian. He writes at Debt Discipline about about how his family of 5 deals with money, budgets and debt. Tell us about you and your family. Where are you from? What do you and your spouse do for a living? What are your hobbies? . We’re a family of five, including, me, my wife and 3 children: 15 year old fraternal twins and a 12 year old son. We live in New York. I work full time in IT and my wife works part time in retail.

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Find out how Jessica & Her Husband Paid off $175,000 of Debt

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Today’s Debt Free Story is from Jessica. She writes about living naturally and intentionally at Jessica Munday. Tell us about you and your family. Where are you from? What do you and your spouse do for a living? What are your hobbies? Include anything that you’d like to add to give the reader an idea about your personality. Hi, We’re the Gann Fam!

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Jen & Her Husband Paid off $212,000 in Debt & Medical Expenses in 48 Months

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Today’s Debt Free Story is from Jen. She is a speaker, author, and volunteer firefighter. Her website is The Iron Jen. Tell us about you and your family. Where are you from? What do you and your spouse do for a living? What are your hobbies? Include anything that you’d like to add to give the reader an idea about your personality.

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My Cute Summer Dress Was #SavedBySkimmies | PLUS a Chance to Win $100 Jockey.com Gift Card

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This cute green summer dress was banished to the back of my closet for a few years. It was a 40th birthday gift to myself and even though I love the dress, I never truly felt comfortable (or cute) in it. The dress can be worn in all occasions, from dressy to casual. It’s made of cotton and spandex which makes it very clingy, and therefore displays visible panty lines for all the world to see. And that caused me all sorts of stress.

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Shannon & Her Husband Paid off $22,000 in 9 Months

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Today’s Debt Free Story is from Shannon. She writes at Growing Slower. Tell us about you and your family. Where are you from? What do you and your spouse do for a living? What are your hobbies? Include anything that you’d like to add to give the reader an idea about your personality. Hi all! I’m Shannon Brown, and I’m a crunchy Christian mama blessed to live in beautiful North Idaho. My husband and I met in architecture school.

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Earn Cash Back with these Four Simple Grocery Apps

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It took me awhile to jump on the grocery app bandwagon. They seemed more time consuming than they were worth. But I have found 4 grocery apps that I now use regularly and I have a system in place to use them efficiently. Every time I plan my grocery list, I also browse these 4 apps to see if anything on my list is a current reward. To save even more, I’m able to stack the app rewards with store sales, store, and manufacturer’s coupons. These apps will give you CASH BACK.

Turn 1 Rotisserie Chicken into 3 Easy Meals

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Rotisserie Chickens are one of my time savers. They are extremely convenient, inexpensive and my family thinks they’re delicious. You could buy raw whole chickens for less per pound and roast yourself, but rotisserie chicken makes a very quick dinner when time is short. I buy them often in the warmer months when I want the taste of roasted chicken, but don’t want to turn on my oven. I pick one up at Costco during my once a month shopping trip.

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