Penny Pinchin' Mom

MARCH 11, 2024

Whether you are looking to save extra money for your emergency fund and potential unexpected expense, a new kitchen, or your kids’ college tuition—you name it—you will require self-discipline and a plan to reach any financial goal. 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

AUGUST 28, 2013

On the 25th of every month from January to November in 2013, I''m holding a virtual meeting for the Christmas Savings Club. The goal for this monthly accountability meeting is to give updates on our progress, motivate one another, and help all of us save for a cash Christmas. Happy 4 months til Christmas!

August 100

August Club Christmas Goals 100

Family Balance Sheet

JANUARY 31, 2020

Frugal Kitchen in January: Meal Plan. Found Money in January: I have an old savings account that I hold on to, because it’s at the same bank as my kids’ savings accounts. My goal was to eliminate all unnecessary spending. It was an easy goal, because I stayed out of the stores. Meal Plan.

January 130

January Frugal Green And Frugal Homemade 130

Family Balance Sheet

FEBRUARY 1, 2013

In an effort to find some extra money to fund our Christmas Savings Account , I'm doing a pantry challenge in February. My goal is to plan February's menu around what is currently in my pantry and freezer and fill in any needs at the store, but reduce my overall monthly grocery expenses. Have you ever done a pantry challenge?

February 100

February Freezers Goals Bills 100

Family Balance Sheet

JANUARY 19, 2011

My recipe binder is a very important part of my kitchen. My financial binder holds my monthly to-do list , my yearly goals, our Family Balance Sheet , our family budget, and our business budget and statistics. I keep binders for many different areas of my life.

Office 159

Office Organic Organization Friends And Family Sale 159

Family Balance Sheet

MARCH 26, 2021

I remember one morning my husband and I were sitting at the kitchen table contemplating if we should sell one of our cars. What helped us through that time was the money we had saved in our emergency account. Create a separate savings account and call it your Emergency Fund. It was a very scary time for us.

Emergency Fund 130

Emergency Fund Building 2007 Credit Cards 130

Family Balance Sheet

AUGUST 30, 2014

The Goal of the Grocery Budget Challenge is to be creative with our meal planning and grocery shopping so that we do not over-spend. We have some upcoming expenses that will be taking a bite out of our savings accounts this fall, so I will be more committed with our grocery budget.

Budgeting 100

Budgeting Budget Groceries Grocery 100