Penny Pinchin' Mom

MARCH 11, 2024

Here are my most effective 20 ways of saving money fast so you can start trekking toward your savings goal. Create a Budget You guys know me by now; you know I am all about creating and sticking to a family budget. You can start cutting out these expenses and see how much money you save. Believe me!

Saving Money 52

Saving Money Money Saving Credit Cards 52

Family Balance Sheet

NOVEMBER 25, 2019

My monthly savings goal was $100. This should cover my tentative 2019 Christmas budget that I based on what we spent in 2018. I challenged myself to find the cash outside of our budget. However by late summer, I found it easier to set aside the money directly from our budget. It became a habit.

2019 130

2019 November Club Christmas 130

Family Balance Sheet

JULY 25, 2019

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. This should cover my tentative 2019 Christmas budget that I based on what we spent in 2018. My monthly goal is $100.

2019 113

2019 Club July Christmas 113

Family Balance Sheet

MAY 25, 2019

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. This should cover my tentative 2019 Christmas budget that I based on what we spent in 2018. My monthly goal is $100.

2019 100

2019 Club Christmas May 100

For the Mommas

JULY 10, 2016

Welcome to the first article in our new budgeting series. Over the next several weeks we will be posting articles that will help you budget and save your money. 6 Steps to Creating a Budget You Can Stick To. Setting a budget is important for your financial health. Step #1: Calculate how much money you bring home.

Budgeting 40

Budgeting Budget Insurance Homeowner Insurance 40

Family Balance Sheet

SEPTEMBER 25, 2019

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. This should cover my tentative 2019 Christmas budget that I based on what we spent in 2018. My monthly goal is $100.

2019 100

2019 September Club August 100

Family Balance Sheet

FEBRUARY 19, 2022

Instead, he shared the story about Susan, a wife, and mother who handled all of the financial tasks in her home, from budgeting to making investment decisions. Over the years, my FOM duties included: Review the day-to-day/month-to-month budget and spending for our household. Update budgeting software on a regular basis.

Office 130

Office Family Finance Kids and Family 130

Family Balance Sheet

JUNE 25, 2019

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. This should cover my tentative 2019 Christmas budget that I based on what we spent in 2018. My monthly goal is $100.

2019 100

2019 June Club Christmas 100

Family Balance Sheet

OCTOBER 25, 2019

This should cover my tentative 2019 Christmas budget that I based on what we spent in 2018. I started the year challenging myself to find the cash outside of our budget. However by late summer, I found it easier to set aside the money directly from our budget. I offer a FREE Christmas Budget spreadsheet to my email subscribers.

2019 100

2019 October Club Christmas 100

Family Balance Sheet

APRIL 25, 2019

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. This should cover my tentative 2019 Christmas budget that I based on what we spent in 2018. My monthly goal is $100. Easy peasy!

2019 100

2019 April Club Christmas 100

Savings Corner

DECEMBER 25, 2023

For example, if you want to save for a deposit on a home you plan to buy in three years, you would input three years. Annual interest rate : The interest you earn on your savings. Good high-yield savings accounts typically have a higher annual interest rate than average accounts. Not sure where to start?

Calculators 52

Calculators Goals Emergency Fund Financial Goals 52

Savings Corner

FEBRUARY 2, 2024

Use this free savings calculator to understand how your money can grow over time. By Margarette Burnette   Margarette Burnette Senior Writer | Savings accounts, money market accounts, banking Margarette Burnette is a NerdWallet authority on savings, who has been writing about bank accounts since before the Great Recession.

Calculators 52

Calculators Saving Bank Banking 52

Prairie Eco-Thrifter

JUNE 14, 2012

Have a Budget Firstly, you must know where your money comes from and where in needs to go. This means you must have a budget and that budget must be accurate, complete and absolutely simple and easy to follow. If your current budget is so complicated you never look at it, sit yourself down and simplify it.

Simple 221

Simple Finance Budgeting Budget 221

Family Balance Sheet

JANUARY 25, 2019

We have to plan and save for it. It’s part of being a responsible family budgeter. Step 1: Create a 2019 Christmas Budget. Now start creating a budget based on what you spent in 2018. Now start creating a budget based on what you spent in 2018. If not, make adjustments to the budget. Add up the total.

2019 100

2019 Club Christmas 2018 100

Family Balance Sheet

JANUARY 25, 2013

As outlined in the first post , your goal this past month was to create a budget for your Christmas spending. Once you have a gift budget for 2013 that you are comfortable with, divide that number by eleven. That final number will be your goal to save each month between now and November 25, 2013. It's awesome. How did you do?

Christmas 127

Christmas Club Goals Budgeting 127

Penny Pinchin' Mom

FEBRUARY 16, 2024

Even if you have a strict budget and savings goal for your car fund, if you have $100 today, I guarantee you that you’ll find something to use it on unless you are determined to save it and add it to your savings account. Setting up an automatic savings account system works wonders for me.

Cars 52

Cars Car Bank Banking 52

Family Balance Sheet

OCTOBER 14, 2014

We’ll talk about cash flow, budgets, debts, and all of the nitty gritty of our finances that might not be fun to talk about, but are so important to discuss. Since the underlying theme of this series is planning and budgeting, today’s assignment is to create a gift giving fund. Welcome to 31 Days to Organize Your Finances.

Finance 100

Finance Giving Organic Organization 100

Penny Pinchin' Mom

JANUARY 16, 2024

However, if you have been following me, you know that I am quite serious about finding ways to not only get out of debt but also how to create a budget (and stick to it) as well as how to save money without necessarily depriving your family of the quality of life they deserve. I send in $50 every month to each of their accounts.

Personal Finance 52

Personal Finance Finance Tips Finance Mom 52

Prairie Eco-Thrifter

MAY 22, 2011

Create a budget. It’s time that you put yourself and your family on a monthly budget. A simple budget allows you to regulate spending as well as track cost. That’s where a budget comes in handy. Budgets are also helpful tools to identify and minimize waste. Use a savings account to pay down debts.

Debt 157

Debt Recession Unemployment Budgeting 157

Family Balance Sheet

OCTOBER 15, 2021

I don’t recall why I never used the account, but I guess it just slipped my mind. Right before the pandemic started, I opened 529 College Savings Accounts for our daughters. My oldest was in eighth grade and one of my goals for 2020 was to start saving consistently for both daughters’ college education.

College 130

College Used 2020 Saving 130

Prairie Eco-Thrifter

JANUARY 19, 2015

Would you like to end 2015 with a bigger bank account than you currently have? Yet, too often we make excuses not to save money, or we feel like our budget is just too tight to save. There are tricks you can use to save more money even IF your budget is very tight. Save all $5 bills that you get.

Money 100

Money 2015 Emergency Fund Bills 100

Savings Corner

DECEMBER 27, 2023

Managing a personal loan successfully, however, requires understanding how the payments change your monthly budget and creating a clear plan to pay off the loan. From pre-qualifying to getting funded, taking out a personal loan can be pretty painless, with many lenders offering smooth online applications and same-day funding.

Debt 52

Debt Refinancing San Antonio Rhode Island 52

Prairie Eco-Thrifter

JULY 30, 2012

Create a Budget You have to have a budget to know where your money comes from and where it has to go to. A budget is like a personal financial plan; without it, you are unfortunately doomed to financial hassles, unless you have so much money, it doesn’t matter what you spend! Find where you over-spend and decide to cut back.

Debt 202

Debt Budgeting Budget Finance 202

Family Balance Sheet

MAY 31, 2016

Need to find some wiggle room in your budget? Is an unexpected expense threatening your bank account? Or maybe you’re trying to build your emergency savings account, or save for a vehicle? It is totally possible to eat your favorite foods within a grocery budget. 31 Days to Slash Your Grocery Spending.

Grocery Spending 100

Grocery Spending Groceries Grocery Budgeting 100

Couponing 101

JUNE 1, 2013

Looking for an easy way to stretch your budget? Capital One 360 is currently offering a $50 bonus when you sign up for a Capital One 360 electronic checking account. ’ Open an electronic checking account and make a total of 3 Card purchases and/or Person2Person Payments within 45 days of account opening.

Budgeting 97

Budgeting Budget Electronics Money 97

Family Balance Sheet

OCTOBER 10, 2014

We’ll talk about cash flow, budgets, debts, and all of the nitty gritty of our finances that might not be fun to talk about, but are so important to discuss. Every month, we transfer this money into a savings account that is connected to our checking account. Budget Financial Freedom Financial Organization'

Finance 100

Finance Property Taxes Organic Organization 100

Family Balance Sheet

MAY 25, 2013

If you are new, please read more about the Christmas Savings Club in the first post and join us. My offer for a FREE Christmas Gift & Spending Budget excel spreadsheet is still available. Our monthly goal of $100 is now a part of our monthly budget and I was able to transfer the full $100 to our savings account in May.

Club 100

Club Christmas May Goals 100

Family Balance Sheet

OCTOBER 8, 2014

We’ll talk about cash flow, budgets, debts, and all of the nitty gritty of our finances that might not be fun to talk about, but are so important to discuss. To begin, gather all of your recent bills, receipts, checking & savings account statement, and/or credit card statements. This exercise is NOT your budget.

Finance 113

Finance Money Organic Organization 113

Penny Pinchin' Mom

FEBRUARY 16, 2024

What you can do is control how much of your money you spend on bills in any given month and how much of it you save for your long-term financial planning and security. Also See: How to Budget Money on a Low Income How Much of Your Salary Should You Save? Yet, your kids simply can’t stand the store brands.

Saving Money 52

Saving Money Money Saving Bills 52

Prairie Eco-Thrifter

FEBRUARY 6, 2013

Millions of Americans and Canadians are experiencing what the emptiness feels like…the emptiness of their savings accounts, the emptiness of their wallets, and the emptiness of their kitchen cupboards. The truth is that you can fill your cupboards to overflowing even on a tight budget, if you know the tricks. Dare to Compare.

Groceries 252

Groceries Grocery Bills Used 252

Family Balance Sheet

JULY 25, 2013

If you are new, please read more about the Christmas Savings Club in the first post and join us. My offer for a FREE Christmas Gift & Spending Budget excel spreadsheet is still available. Our monthly goal for Christmas savings is $100. If you have not done so, complete the Christmas Gift & Spending Budget worksheet.

Club 100

Club Christmas July August 100

Family Balance Sheet

JUNE 25, 2013

If you are new, please read more about the Christmas Savings Club in the first post and join us. My offer for a FREE Christmas Gift & Spending Budget excel spreadsheet is still available. Our monthly goal for Christmas savings is $100. If you have not done so, complete the Christmas Gift & Spending Budget worksheet.

June 100

June Club Christmas Goals 100

Family Balance Sheet

APRIL 9, 2015

This new number will become a line item on your monthly budget. Every month, transfer this money into a savings account that is connected to your checking account. When you are ready to pay a bill, transfer what is needed from the savings into the checking to pay the bill. Will you start one?

Bills 100

Bills Real Estate Insurance Taxes 100

Family Balance Sheet

JANUARY 2, 2013

Before the first meeting on January 25th, there's a little bit of prep work to do on your end: Step 1: Create a Christmas Gift Budget. On the budget, list all of your purchases for Christmas 2012 gifts and add up the total. If you're spending was too far out of your comfort zone, make adjustments as you fill in the budget for 2013.

2013 113

2013 Christmas Club January 113

Family Balance Sheet

APRIL 25, 2013

If you are new, please read more about the Christmas Savings Club in the first post and join us. I''m still offering a FREE Christmas Gift & Spending Budget excel spreadsheet, click that link for more information. We have made gift giving a line item in our budget since it can be a budget buster unless it is planned for.

April 100

April Club Christmas Goals 100

Prairie Eco-Thrifter

APRIL 25, 2011

Show them how to create a budget. You can teach your child about budgeting by sitting down with them and helping them create their own budget. A budget is pretty simple to make and can be constructed in a few minutes. Here’s an easy way to make a budget by hand, Have them make three rows. Don’t make this mistake.

Bills 174

Bills Finance Budgeting Budget 174

Family Balance Sheet

MARCH 25, 2013

If you are new, please read more about the Christmas Savings Club in the first post and join us. I'm still offering a FREE Christmas Gift & Spending Budget excel spreadsheet, click that link for more information. It is a big change for us, but I was able to put some of that difference towards our Christmas savings account.

March 100

March Club Christmas Goals 100