There’s one step in paying off debt that seems so obvious to me that I’ve never really considered an alternative. However, as I read more widely in personal finance, I discovered that many people intentionally skip this important step. The question is whether to start paying off debt immediately or to first save up an […]
Soft French Bread 🥖{Recipe and Tutorial}
We make most things from scratch around here. I’ve made sandwich bread for years, but my favorite is French bread. We all love it so much that I’ve even started making sandwiches with it! Yep- PBJs on soft French bread is what’s for lunch around here. Of course it makes a perfect companion for any […]
Yellowstone Family Trip Cost Breakdown– Family of 8
In July we took our first trip to Yellowstone National Park. We met Mike’s siblings and their families there for a family reunion. It was an amazing trip! The park is huge and there is so much to see. We packed our schedule full while we were there and we have a list of what […]
Summer Garden Tour 2022
Our garden is not manicured beautifully for a magazine or social media, but it is functional and very productive! Growing our own fresh organic produce year round helps to supplement our grocery budget. Not only do we have fresh fruits and vegetables nearly all year round, we have plenty to can, freeze, dehydrate, and freeze […]
August 2022 Family Budget Update
August was a super busy month for our family. Instead of being busy as a family like we were all summer, now everyone is busy going their own direction. We are now in a really good routine. We’re one step closer to having solar installed. The trenching and hole-digging is done. The pallet full of […]
How to Get the Best Deal on Everything– My Detailed Strategy
I very rarely pay full price for anything. I usually pay much, much less than full price. I realized that I have a pretty systematic strategy for finding the best deals on everything we buy. I have always shopped with this strategy, but it was especially helpful during the years we were working on our […]
The Best Chocolate No-Bake Cookies– A fast and frugal favorite
One of the very first recipes I learned to make as a child was Chocolate No-Bake Cookies. I found it in a children’s cookbook that my grandma had given me. It quickly became a family favorite. We simply called them no-bakes. To this day when my mom comes over (which is only once in a […]
7 Sneaky Ways Clutter is Costing You– Get Organized to Save Money!
In the range of frugal folks we have minimalists who are frugal by needing (and having) little, all the way to hoarders who show their frugality in the way the save (and hold onto) anything that might be useful. Chance are you are somewhere in the middle, like me. I’m not a minimalist. Nope, not […]
Homemade Instant Oatmeal Packets
During the beginning of our debt payoff, we had a strict Sunday-only policy for cold cereal. On the other six days of the week we would have a hot breakfast of pancakes, waffles, oatmeal, cream of wheat, or eggs. When I began to feel sick while pregnant with my youngest, we started having cold cereal frequently again. […]
4 Secrets for Successfully Budgeting a Variable Income
I’ve heard all sorts of budgeting excuses. One of my favorites is, “I can’t budget because my income is variable.” This is just not true! You can and should budget, even if your income is always changing. In fact, you can budget well and have financial security even when your income fluctuates. But, I get it. Not having […]
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