Search Results for: blog three hot tips for luxury living on a meager budget

Pamper Yourself Without Breaking the Bank

If you feel like you will break your budget without adding some room for pampering, you are not alone. It is important to allow yourself a little bit of wiggle room. It is important to pamper yourself occasionally. You may want to reward yourself for reaching a savings goal, or just take a short break from paying off all that debt. You may be in a great place financially, but just do not want to spend a lot of money on pampering yourself. Here are three different ways to pamper yourself. 1) If you would like a nice massage, but … Continue reading →

Scaling Back Your Spending

One of the more difficult things to do when you are budgeting is finding areas to scale back on. While a stranger may be able to look at your budget and easily say to cut unnecessary expenses. You may feel that those expenses are necessary for your life. It helps if you can step back and put things in perspective. Also the situation you are currently in can really affect how much you need to cut out completely. If you are in a large amount of debt, and have trouble meeting the payments and buying groceries, you are in a … Continue reading →

Three ideas for quick cash. (Help me with more ideas please!)

I’ve been out of touch with all of you for about a month now, due to a death in the family. Today I come back to writing and it feels good. I hope you’ve been reading Miriam’s blog posts and will continue to come back here on a daily basis. Every weekday I’ll update you on my personal love / hate relationship with money and what I’m doing to turn it around into a win/win relationship. Today, I’ve got a money dilemma. There is this workshop I want to go to, and it costs $150.00. In earlier posts I’ve written … Continue reading →

Can Cost of Living Affect Your Budget?

Have you ever compared your budget to someone else’s? Or were you surprised at how much your expenses decreased or increased the last time you moved? The cost of living in your area will directly affect how much you spend each month. The price of a gallon on milk varies widely from location to location, not to mention housing, gas prices and taxes. When you are taking a new job or accepting a promotion with a move it is important to take the cost of living considerations along with the new salary. If you are really struggling to make ends … Continue reading →

Hotel Reservations – Spending Wisely

Hubby and I occasionally travel and stay in various hotels. The amenities and therefore the amount of money we will spend, depends upon the type of trip we are taking, and what luxuries I’d like while we are there. I always try to upgrade without spending extra! The most important tip is to ask. On a recent trip I needed wireless internet access which meant I could work from the hotel on my laptop. The price of the hotel went up in the area we were looking at, but it was worth it to me. Then I found a hotel … Continue reading →

Bickering with Spouse about Money?

Married? You are probably arguing about money. Most of us do. Overall, women like to have a nice cozy emergency fund and the roof over their head secure. Men prefer toys. Nice generalizations huh? Lets just pretend that these myths are true. Women want to have a nice emergency fund of about four months of living expenses. For most people that is between $10,000 and $20,000, but could reach much higher. I don’t recommend having less than $10,000 in an emergency fund as it will take this much or more for the average family to rebound after a job loss, … Continue reading →

Saving a Million Dollars!

Want to save a million bucks? Maybe you just want to know how long it will take to reach your first cool mil. MSN.money has a great little tool to help you figure it out. Lets check out some numbers. If you are young, and can start saving now, in thirty eight years you’ll have a million without too much effort. (I know, thirty eight years sounds like a long time, but stats show most of us will live past eighty five years old now). So, pretend you start today, with a zero balance in your account, and deposit $250.00 … Continue reading →

Celebrating the Small Victories

Are you taking time to celebrate the small victories on your path to financial fitness? It is important to acknowledge the small steps that you are taking each day to save yourself money. It may seem insignificant to others, but every penny that you save will benefit you down the road. Here are some small victories that you may want to celebrate: Cooking dinner at home. This may seem simple, but to many of us, this is huge. It is a big step in saving money, and the more you do it, the more you will save. If you are … Continue reading →

Three Hot Tips for Luxury Living on a Meager Budget.

I miss having two salaries. When I worked full time I had lots of extra money to go out, buy things, not count pennies. I didn’t know it then, but I was living the high life! Now I have to be conscious of bringing a bit of luxury into my life. Here’s three hot tips for today: Find the local gas station that still pumps gas for you. When it rains or snows, allow them to pump your gas, wipe your windshield and bring you the bill for your signature. Almost every town has one still somewhere, and when the … Continue reading →