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8 Action Steps for a Frugal February!

Family Balance Sheet

How are you doing with the financial goals you made for 2023? Unfortunately, many people abandon their New Year’s goals by mid-January and everything goes downhill from there. The goal of Frugal February is NOT to feel deprived, but rather to find creative ways to get through the month without unnecessary spending.

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10 Must-Know Personal Finance Tips for Moms’ Financial Success

Penny Pinchin' Mom

Have Specific Financial Goals Financial planning is the key to financial success. You need to have very specific financial goals; what do you need to achieve by which date? Again, you’re not alone with this problem. Find yours and use it to make extra cash.

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Frugal February

Family Balance Sheet

How did you do with your financial goals in January? We have only one financial goal for 2019 and we made some progress in January. It was a great feeling to make that payment, and to continue the momentum I want to double down on our financial goal. Use up all of those odd ingredients.

February 100
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How to Start a Budget (and be successful at it!)

Family Balance Sheet

Do you look at your bank account and wonder, “where did all the money go?” Personally, budgeting has allowed us to control of our money, reach financial goals, and start planning for our dream life. We have been using this system ever since. Do you feel like you have more month than money? lined paper.

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Get your FREE Family Balance Sheet Excel Spreadsheet

Family Balance Sheet

The spreadsheet listed our short-term and long-term account balances, our debts, and our short-term and long-term financial goals. I STILL use our spreadsheet today. We are working towards some pretty big financial goals and we’ve hit quite a few already. Our goal: Increase Net Worth.

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My Life Plan

Family Balance Sheet

When you’re in the trenches, it can be very hard to think beyond the present. A few years ago, we were struggling financially and I felt like our situation was hopeless. As part of Prudential’s Women Inspired campaign, I was encouraged to think about my dreams detailing my long-term goals and aspirations. Achievable?

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How We Frugal-ed in June 2023

Family Balance Sheet

My goal has always been to live well on less while achieving our big financial goals. My plan is to use this cash first as it will come to term around the same time we will need to make the first college payment. Both our CD and high-interest savings account are FDIC-insured and are at banks that we trust.

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