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How to Turn Your Resolution to Save Money into a Reality

Make sure that you can turn your resolution to save money into a reality when you put the following steps into place. It isn’t enough just to resolve to be frugal or cut back. You have to make a commitment and then know where to begin and how to keep it going. It takes just 21 days, by conventional wisdom, to turn a resolution into a habit. That means with just a little effort each day for the next three weeks, you can start down a path of a lifetime of saving with the end result being financial solvency. The … Continue reading →

Safe Housekeeping During Pregnancy

When you are pregnant, you may find yourself suddenly motivated to clean more than you usually do. Of course, you may not, and that is also perfectly normal. I never experienced an overwhelming urge to clean house during either of my pregnancies, although I did clean a little more than normal during my second pregnancy. Cleaning during pregnancy is not harmful in and of itself. When the urge to clean strikes, be careful about what products you use to clean, and about some of the chores that you choose to tackle. If you have been bitten by the housekeeping bug, … Continue reading →

Green up Your Memorial Day

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Memorial Day is a day to honor all those that have served in the military. It is also a day when a lot of people will have family and friends over and grill out. (This image is from MorgueFile.) But, you can still be green while doing all of this. If you are going to visit a loved one’s grave, take real flowers. I know a lot of people tend to purchase plastic flowers because they last longer, but real flowers will naturally decompose, whereas plastic flowers will eventually have to be removed by the groundskeepers and who knows when … Continue reading →

Look Good On Any Budget

I love clothes. However, my wardrobe has been looking rather shabby and not at all chic for quite some time. The reason? I have not had much time or money available for clothes shopping over the past couple of years. This afternoon while I was looking through my drawers for something to wear, I realized that there are probably ways that I can freshen up my wardrobe even with a very limited budget. Sure enough, there are tons of tips online for how you can look great for less. Here are a few that I intend to try. If you … Continue reading →

One Way to Make 2012 a Good Year for Your Business

With the New Year fast approaching and the fresh start that it brings almost here, your mind may be full of ideas for improving your home – based business. One suggestion that I have for making 2012 a better year for your home –based business is to evaluate and improve your bookkeeping practices. If you just said to yourself “Bookkeeping practices? What bookkeeping practices?” than this is definitely something that it is important for you to do. While accounting and bookkeeping are normally considered part of the administrative duties that a home – based professional must make time for as … Continue reading →

Adding a Little Sunshine to Your Home

As a new homeowner who is on a budget, I am always trying to find inexpensive ways to add some sunshine to my home. While I have a lengthy to do list of projects such as painting, bathroom upgrades, recess lighting installations, new windows, and other pretty major changes to make to my home, I know it is going to take awhile (maybe years) to get to all these ideas. In the meantime however, I would like my house to feel clean, fresh, and homey. I have found some ways to add color, cleanness and a warm feel to my … Continue reading →

Budget Binders

Nothing puts the bummer in summer like walking smack into huge back-to-school displays in the middle of July. We’re not even a month into summer vacation and already our local Target, Wal-Mart and Walgreens have rearranged their floor plans to display huge quantities of back-to-school merchandise. While the fresh pencils, paper and folders are hard to look at, there’s no escaping the fact that the sale prices for early shoppers are hard to beat. For instance, if you use 3-ring binders to store scrapbook paper, then now is the time to stock up. I saw plain binders on sale for … Continue reading →

Budgeting For Those With Irregular Incomes

Everybody knows the importance of creating a budget to keep your finances on track. There are some situations that make creating and sticking to a budget difficult. Irregular income is certainly one of these. If one or both wage-earners in a family are self-employed or work at jobs that do not pay on a traditional regularly-timed, predictable earning schedule it is hard to know how much money is going to come through the door each month. Unfortunately, the world does not provide exceptions for those of us with irregular incomes. Your bills are due on the same day every month … Continue reading →

Tips for Eating Well on a Tight Budget

It’s no secret that I like food. I love to cook, and I enjoy preparing healthy and delicious meals for my family. The biggest challenge in getting food on the table around here is our budget. We want to eat tasty, wholesome foods but like many families, we have a fairly limited grocery budget. Today I decided to look into things that families can do to help their grocery dollars stretch as far as possible without sacrificing nutrition or taste. Anyone can slash their grocery bill by eating a lot of ramen noodles and other cheap, heavily processed foods. The … Continue reading →

Keep Your Budget Fresh

Budgeting can be very good for finances, but very hard on your psyche. A budget is a financial diet. Like food diets and exercise programs we can become bored and want to do something, anything, except what we’re doing. So how do we stay on a budget? How do we keep the budget relationship fresh, new, and exciting? Just like with a diet or exercise plan, we have to make changes to keep things interesting. We tend to stray off of our diets because we want the foods we’re used to eating. Our new diet is a healthier way of … Continue reading →