The Frugal Girl

JANUARY 29, 2024

When my daddy passed last January, I inherited all the heavy farm labor responsibilities- I never knew I could have impressive muscles😊 It feels like I’ve been going to a homesteading college this year, it’s a love/hate relationship. I was born frugal, into a super frugal family. How did you get interested in saving money?

Arkansas 180

Arkansas Frugal College Kids and Family 180

Family Balance Sheet

APRIL 30, 2014

We don’t want to make our families miserable with bland meals, boring snacks, and not enough food in the house, but we must stay on budget. O n the 30th of each month, between January and November in 2014 , we will meet here to discuss our challenges and successes for the month with our grocery budget. How did you do in April?

Budgeting 100

Budgeting Budget Groceries Grocery 100

Prairie Eco-Thrifter

OCTOBER 26, 2014

Make a list of all of the family and friends you buy for and how much you usually spend. And come January, remember that saving a little bit each week for the entire year is a much easier way to go. Take these steps to determine how much money you’ll need to spend and then to lower your costs. You can also try taking surveys.

Holiday 169

Holiday Emergency Fund Homemade Eating Out 169

Family Balance Sheet

FEBRUARY 10, 2017

As I reflect back to January 2016, I started that year pretty determined to pay off the balance of our non-mortgage debts. And we were on a roll in January 2016. It turns out this was the best decision for our family. Build up our Emergency Funds to 3-6 months of expenses. Start college funds for both girls.

Debt 100

Debt 2017 Student 2016 100

Family Balance Sheet

JANUARY 1, 2015

Every January 1, I get caught up in the hopeful feeling of the upcoming new year. Most of them are related to our small business, my husband’s chiropractic office, but last January I got a bee in my bonnet about debt…thank you, Dave Ramsey. I will be sharing more about my family’s everyday life.

2015 100

2015 Money Debt Home and Garden 100

Family Balance Sheet

AUGUST 11, 2014

Tell us about you and your family. The company I had worked at for 12 years when I started my journey in January 2013, announced it would be making significant job cuts summer 2013. I’m working on baby step 3 (3-6 months emergency fund) while paying cash for my new home projects. Welcome to Debt Free Stories.

Debt Free 235

Debt Free Debt Mom Goals 235

Family Balance Sheet

JANUARY 26, 2016

Fortunately we have an emergency fund and a personal escrow account for our yearly and quarterly expenses to keep us stable, but we do need to be diligent at staying within our budget. If we’re successful, life WILL be different in January 2017…for the better. The Game Plan: 1. Do you want to eliminate debt too?

Financial Goals 100

Financial Goals Goals 2016 Debt 100

Family Balance Sheet

FEBRUARY 2, 2017

Jacki and her husband take the month of January to map out their goals for the year. Will it be your spouse, coworkers, family, a Facebook support group? They took it one step at a time though, first by building up emergency funds as quickly as possible, then by paying off the credit cards and committing to no new debt.

Financial Goals 100

Financial Goals Goals Debt Budgeting 100

Family Balance Sheet

FEBRUARY 4, 2015

Tell us about you and your family. In January 2013 there was a blog post on Keeper of the Home that first awakened me to the concept of living debt free. I wasn’t comfortable keeping only $1,000 in an emergency fund with two little ones and just one income, so we didn’t follow that part of his plan.

Debt Free 100

Debt Free Debt Financial Goals Budgeting 100