Penny Pinchin' Mom

FEBRUARY 16, 2024

What about when your bills are simply pulling you under? While you can control where and how you shop, you can’t control the need to eat. Your bills are going to be there, and you can’t simply not save money because you have to pay bills. My family chooses to eat out once per week, for example.

Saving Money 52

Saving Money Money Saving Bills 52

Prairie Eco-Thrifter

NOVEMBER 27, 2011

Make it obvious that you want to split the bill. Even if you were invited to the occasion (as opposed to initiating it yourself), don’t assume that everyone else will automatically be prepared to pay their share of the bill when it arrives. Stay at home. Look for cheap or free entertainment options.

Bills 208

Bills Budgeting Budget Entertainment 208

Family Balance Sheet

APRIL 1, 2021

It sounds dreadful, but it is possible to reduce your grocery bill without making everyone in your family miserable. 3 – Reduce your monthly utility bills. Are you paying too much for home/auto insurance, cable, internet, cell? Collect your bills and start shopping around for new vendors. Barter your gym membership!

Emergency Fund 130

Emergency Fund Money Finds Friends And Family Sale 130

Prairie Eco-Thrifter

OCTOBER 4, 2012

Limit eating out and the activities that are outside your budget such as expensive movies and far away vacations. During weekends and family days, you can set-up some fun activities at home to lessen the expenses. Has your grocery bill been getting some attention? Well here are some.

Frugal 189

Frugal Family Budgeting Budget 189

Prairie Eco-Thrifter

MAY 2, 2011

Besides saving money, your health with drastically improve which means you can save a ton on medical bills. If you need a little inspiration, check out my friend Mr. SPF’s article on how he has quit smoking. Cook at home. Instead of eating out, why not experiment with some recipes at home.

Library 176

Library Television Televisions Money 176

Family Balance Sheet

MAY 14, 2013

We also don’t want to come home to a credit card bill. Maybe you don’t want to cook at all during your vacation or maybe eating out for every meal is beyond what your budget can handle. For dinner, we''ll plan to eat in on 5 nights and eat out 2 nights. Create A Budget. Plan your travel.

Vacation 153

Vacation Saving Money Money Food and Drink 153

Prairie Eco-Thrifter

FEBRUARY 15, 2011

Knowing exactly how much income is going out towards bills, unplanned expenses, and splurges is the first step in saving for a college fund. Eating Out. Use coupons, children eat free specials, and discounted restaurant gift certificates to save on meals. Know Your Actual Budget.

College 100

College Budgeting Budget Friends And Family Sale 100

Family Balance Sheet

NOVEMBER 19, 2014

We lowered our living expenses and looked at our bills and decided what we could live without. We ate at home a lot and watched our food budget carefully. Daniel cut some of his business expenses by cutting out a monthly fee for a co-working space and cutting out monthly charges for services he didn’t need anymore.

Debt 245

Debt Debt Free Finance Friends And Family Sale 245

Saving Cents With Sense

JANUARY 1, 2014

It is an eye-opening experience and will allow you to figure out what you can cut back on, as well as what is a necessary expense. What about eating out? Don’t shop hungry and if your kids aren’t helpful with shopping, you may want to leave them at home so you can concentrate on getting the best deals. How about clothes?

2014 88

2014 Saving Bills Emergency Fund 88

Family Balance Sheet

FEBRUARY 1, 2019

One way to track you spending is to log all of your purchases, bills, atm withdrawals, and any outgoing on notebook paper at the end of each day. Our active life goes on, so I will be planning a nice eat-at-home dinner with a special sweet treat, rather than eating out. You might find some interesting habits.

February 100

February Frugal Financial Goals Budgeting 100

Prairie Eco-Thrifter

AUGUST 29, 2012

But the next thing out of his mouth was “so, what should we do?”. We’d gotten so used to going out that we didn’t really know what to do at home. Total: Free (or, $5-$20 with wine/beer/drinks) Just Go For Dessert Sometimes, it just doesn`t feel like the start of a weekend unless you get out of the house.

Frugal 188

Frugal Wine Saving Money Money 188

Saving Cents With Sense

JANUARY 3, 2017

It is an eye-opening experience and will allow you to figure out what you can cut back on, as well as what is a necessary expense. What about eating out? Don’t shop hungry and if your kids aren’t helpful with shopping, you may want to leave them at home so you can concentrate on getting the best deals.

New Year's 40

New Year's Saving Bills Emergency Fund 40

Family Balance Sheet

JUNE 1, 2011

Maybe you don’t want to cook at all during your vacation or maybe eating out for every meal is beyond what your budget can handle. We also keep a change jar in the kitchen that accumulates quickly through out the year. My parents don't spend any $1 bills that pass through their hands through out the year.

Vacation 178

Vacation Saving Money Money Food and Drink 178

For the Mommas

JULY 24, 2016

Eat out less. One of the biggest expenses you probably incur is eating out. The average person spends over $2,000 a year on eating out. Instead of eating out, pack your lunch. Find all kinds of fun activities you can do at home. Save money by preparing your own meals.

Frugal Lives 49

Frugal Lives Frugal Living Frugal Magazine and Newspaper Subscriptions 49

Family Balance Sheet

FEBRUARY 16, 2016

Read 11 Simple Menu Planning Tips to learn how to reduce your grocery bill without making everyone in your family miserable. 3 – Reduce your monthly utility bills. Are you paying too much for home/auto insurance, cable, internet? Collect your bills and start shopping around for new vendors. Dinner time is stressful.

Emergency Fund 100

Emergency Fund Money Finds Friends And Family Sale 100

Family Balance Sheet

JUNE 16, 2015

I am a stay at home mom and freelance marketer and my husband works in the construction industry. I was 22 weeks pregnant, and left with a leg injury and a mound of medical bills. The fear of losing my baby led to the desire for me to be a stay at home mom, but I knew that would never work if we were in such debt.

Debt 100

Debt Debt Free Finds Goals 100

Saving Cents With Sense

JANUARY 1, 2015

It is an eye-opening experience and will allow you to figure out what you can cut back on, as well as what is a necessary expense. What about eating out? Don’t shop hungry and if your kids aren’t helpful with shopping, you may want to leave them at home so you can concentrate on getting the best deals.

New Year's 40

New Year's Saving Bills Emergency Fund 40

Family Balance Sheet

JULY 16, 2015

Restaurants can be a huge drain on any budget, but there are ways to enjoy a meal out without spending a lot of money. We are now more committed to save money and we eat mostly at home, BUT we do enjoy at a few meals out each month. I shared our strategies in this post, 15 Smart Ways to Save Money when Eating Out.

Budgeting 100

Budgeting Budget Thrifting Thrift Stores 100

For the Mommas

AUGUST 14, 2012

Do you like to dine out? I love to eat out, but I hate how expensive it can be. One less thing to remember at at home. The terms and conditions were clearly spelled out – I would need to spend $100 to get $50 off. Here is what what the bill ended up at: Total Bill: $102.00. - $50.00 62.00 + tip.

Restaurant.com 56

Restaurant.com Dining Budgeting Budget 56

Prairie Eco-Thrifter

NOVEMBER 22, 2012

Because so many people are living on incomes that cannot support their spending habits; living on borrowed money, moving money from account to account, buying, spending, hiding the bills, and eventually the ‘dog of debt’ will catch up to you and bite you right in your credit report. Embrace the Food Network.

Saving Money 221

Saving Money Money Budgeting Budget 221

Prairie Eco-Thrifter

JULY 23, 2014

There were no day care centers – women stayed home and raised the kids. Working from home usually meant selling stuff door to door. Toni home perms were prevalent. Hair cuts were done at home by a family member. There were no online saving or bill paying services. People cooked and ate at home.

Growing 180

Growing Home and Garden Radios Kids and Family 180

Nicoles Nickels

DECEMBER 16, 2012

I decided to use Bluebird to buy this for myself by setting aside some money every week that I would have used to buy coffee or lunch out during the week. Each week I consciously decided to make my coffee at home and bring my lunch to work instead of eating out. pay bills, online or via the app. create subaccounts.

Budgeting 59

Budgeting Budget Bank Banking 59

Family Balance Sheet

AUGUST 5, 2015

I am a stay at home mom to 3 kiddos and a cockapoo named Otis. We live a pretty busy lives and when given free weekends at home we love spending time at home on our little farm. Who handles the day-to-day finances in your home or do you work on it equally? How much debt did you pay off? What kind of debt was it?

Debt 100

Debt Debt Free Finds Finance 100

Prairie Eco-Thrifter

JANUARY 6, 2011

Are you feeing overwhelmed with the number of bills or creditors you have to pay off? Look at cutting back on little luxuries such as eating out at lunch each day or in the evenings. Instead pack a lunch and cook some simple meals at home for dinner. Are you currently in debt? See where you can make cutbacks.

Debt 113

Debt Finance Pay Off Debt Credit 113

Family Balance Sheet

JANUARY 21, 2015

When we had our first child, we both agreed it would be best for me to stay home as long as possible. Nine years later, I am still at home! We realized that debt payments were eating into our income and potential to build wealth. If there is no direction to the money, it can go anywhere! So direct the money often and early.

Debt 100

Debt Debt Free Las Vegas Finance 100

Saving Everyday

AUGUST 1, 2022

In this post, we’ll discuss realistic ways you can save on groceries at home and at the store! How to save on groceries at home. Dining out is something you can stop immediately. Save that cash for a nicer meal out once a month. My husband and I have noticed that the more we eat out, the less special it feels.

Groceries 52

Groceries Grocery Food and Drink Saving 52

Saving Everyday

AUGUST 1, 2022

In this post, we’ll discuss realistic ways you can save on groceries at home and at the store! How to save on groceries at home. Dining out is something you can stop immediately. Save that cash for a nicer meal out once a month. My husband and I have noticed that the more we eat out, the less special it feels.

Groceries 52

Groceries Grocery Food and Drink Saving 52

Prairie Eco-Thrifter

SEPTEMBER 25, 2012

For so long, we plodded along with next to nothing while our neighbors were running up their charge cards and using home equity loans to take vacations. But, I can’t believe people are making big bucks telling other people how to control their spendthrift ways, or sharing how to shave a few cents off a grocery bill.

Thrifty 213

Thrifty Garage Spendthrift Fair-Trade 213

Prairie Eco-Thrifter

OCTOBER 5, 2014

per lunch if you just brought something at home (and I’d say that is a pretty elaborate lunch). If both you and your spouse are eating out every day for lunch, you’re looking at $128/month – on top of your regular grocery bill. per lunch x 4 days per week = $16/week.

Budgeting 245

Budgeting Budget May Lunch 245

Prairie Eco-Thrifter

FEBRUARY 9, 2011

Here are a few money scenarios to celebrate: Paying your bills on time. Eating out less. Maxing out your retirement savings account. Cooking at home. Paid the bills? Didn’t eat out. Saving an extra $50 a month. Paying cash for an item. Completing a no spend week or month.

Debt 113

Debt Eating Out Bills Cooking At Home 113

Family Balance Sheet

JULY 9, 2015

She cut her cable bill in half, rewrote her car and house insurance saving her $300, stopped the coffee runs, eliminated her dry cleaning bill. Instead she started making her own coffee and ate breakfast at home. When dining out, Olivia always used a coupon and/or went to places where kids dine free.

Debt Free 100

Debt Free Debt Budgeting Budget 100

The Frugal Girl

JANUARY 22, 2024

We are very blessed that my husband earns enough so that I have been able to stay at home and homeschool–so my “why” in saving money is to balance that out. We also want to get our kids through college without them having loans to pay back, and we are 1 out of 4 on that so far!

Rent 182

Rent Son Frugal Home and Garden 182

Family Balance Sheet

MAY 27, 2015

I’m a former 3rd grade teacher, but now a stay at home mom and a graphic designer of Joyful Art Designs. Our plans for me to be a stay at home mom on one teacher salary. He still physically pays all the bills and keeps track of any information with those companies. Using coupons for eating out.

Debt 100

Debt Debt Free Pay Off Debt Finds 100

Family Balance Sheet

JUNE 2, 2016

It was getting to the point that as soon as I got paid, covered my monthly bills and made the required debt repayments my bank account was back to zero again. It really was no way to live; constantly worrying about a surprise bill dropping through the door and how I could handle even the slightest financial emergency.

Debt 100

Debt Finds Debt Free Pay Off Debt 100

Prairie Eco-Thrifter

JANUARY 14, 2012

Some of the most oft repeated tips are how to reduce your energy bill. MoneySmartGuides : The Real Cost of Eating Out – I was looking over my budget for the previous month and something stood out. After checking and rechecking and I discover the real cost of eating out! Money Reasons : Home Security!

Credit Cards 220

Credit Cards Credit Finance Personal Finance 220