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Overhaul Your Monthly Budget: Tips to Save Now So You Can Splurge Later

Saving Cents With Sense

The most significant chunk of your monthly budget is likely spent on mortgage payments, and the Federal Housing Administration (FHA) suggests homeowners can lower monthly mortgage payments by refinancing their mortgages. Heating and cooling costs account for about half the average energy bill, according to the U.S.

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Meet a Reader | M from the PNW

The Frugal Girl

Luckily, not poor enough to wreck our lives, but basically we lived paycheck to paycheck—our philosophy was “As long as the bills are paid, spend it all.” I want it to be what they want to wear within our budget! It’s just not in our budget. It’s amazing how much “little splurges” add up. I miss eating out!