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How we budget for an epic international family trip

April 23, 2024 by Stephanie 15 Comments

The closer our kids get to leaving the nest, the more we are prioritizing family travel and adventure together. Our oldest will graduate from high school in just two years, so we are eager to take some of the trips that have been on our short list for a long time. If you read our […]

Filed Under: Travel

How much can you actually earn on Airbnb? Here’s how to find out!

April 16, 2024 by Stephanie 3 Comments

If you have a space to rent, whether it’s an entire space (even your own home) or just a room, there is money to be made on Airbnb. When we were looking for a house to buy back in 2016, one of our soft requirements was that the property have an extra living space, like […]

Filed Under: EARNING EXTRA, Hosting on Airbnb

The Power of Asking– Simple Questions Have Saved Us Thousands!

April 9, 2024 by Stephanie 15 Comments

Sometimes saving money just requires asking a simple question or two. With very little effort you can be saving money on your monthly bills and beyond. In many cases it is just a matter of asking to pay less. It never hurts to ask, right? The worst that can happen is… nothing, which is exactly […]

Filed Under: at HOME, FRUGAL LIVING, SPENDING wisely

What we spent and earned in March 2024

April 4, 2024 by Stephanie 11 Comments

It’s no secret that I love budgeting! Sure, sometimes it’s annoying trying to reconcile accounts and it’s frustrating that saving takes so long. Progress can feel slow when you’re working to pay off big debt, but then feeling the peace that comes when you have control of your finances is worth all of the hassle. […]

Filed Under: Personal Finance Made PUBLIC

6 Ways You Can Help Your Adult Children With Debt (without paying it)

March 19, 2024 by Stephanie 14 Comments

As parents, it’s tough to see your children struggle.  Watching them suffer in sickness or pain tugs at your heart strings. You want to relieve their suffering or take their place. It’s easy to see how the parental love that compels us to rescue and save our children would extend to other areas of hardship. With […]

Filed Under: DEBT, SPECIFIC Situations

5 Smart Ways to Use Overripe Bananas (and how to freeze them)

March 12, 2024 by Stephanie 4 Comments

If you’re trying to save money on groceries, the last thing you want to do is throw food away! Wasting food, simply put, is wasting money. In the past I’ve shared 7 ways to use milk that is almost expired to help people not waste one of the most common staples in our kitchens. Today we’ll […]

Filed Under: FRUGAL FOOD, FRUGAL LIVING, other ways to SAVE on food

Everything we spent and earned last month– February 2024 Family Budget Update

March 5, 2024 by Stephanie 2 Comments

Every month we share our family’s real budget with you in an effort to break the taboo about money and help you see how a budget can help you reach your financial goals. When we started openly sharing our finances on 2013, we had six figures of student loan debt. Through hard work and diligent […]

Filed Under: Personal Finance Made PUBLIC

Frugal Feats, Flops, and Funnies: Goodbye Sleeping Bag, Hello Long Arm

February 27, 2024 by Stephanie 3 Comments

Living frugally can be quite an adventure. As with anything in life, sometimes you win and sometimes you lose. And sometimes you just have to laugh. Years ago I regularly shared frugal feats, flops, and funnies posts to share with you some of the daily ins and outs of living the frugal life and hopefully […]

Filed Under: Feats Flops & Funnies, FRUGAL LIVING

29+ Non-food items you should keep stocked at home

February 20, 2024 by Stephanie 9 Comments

Until about four years ago, we all took for granted the ability to purchase whatever we wanted whenever we wanted. When covid hit and the world started shutting down, many people raced to the store to stock up on the most important things. Before supply chain issues had even begun to surface, panic buying cleared […]

Filed Under: FRUGAL LIVING

4 Things you should tell your kids about YOUR finances

February 12, 2024 by Stephanie 8 Comments

Learning to talk openly with your kids about your own finances is one of the best ways to give them the financial education that they’re not getting anywhere else. Keeping finances hush-hush does more harm than good.  If you don’t teach your kids about finances, they’ll likely have to get their education from the school of […]

Filed Under: DEBT, FINANCES & BUDGETING, SPECIFIC Situations

January 2024 Family Budget Update

February 6, 2024 by Stephanie 6 Comments

We’re back with a fresh 2024 budget! It might look very similar to last year, but if it ain’t broke, don’t fix it, right?! While the general budget hasn’t changed a lot with the new year, we have a new goal to work on. I can’t overstate the importance of setting financial goals. If you […]

Filed Under: Personal Finance Made PUBLIC

December 2023 Family Budget Update

January 29, 2024 by Stephanie 4 Comments

Talking about personal finance shouldn’t be taboo! That’s why we share our real budget with you every month. In fact, talking about budgeting is a great way to learn how to budget Our budget will look different than yours, and that’s how it should be. Our needs, values, and priorities are different, so it only […]

Filed Under: Personal Finance Made PUBLIC

Cost Breakdown for Our Epic San Diego Trip

January 22, 2024 by Stephanie 5 Comments

You loved hearing about what we spent on our 3-week cross county road trip, our 10-day Washington DC trip, and our Yellowstone Family Trip so I know you’re going to love hearing the financial (and fun) details of our family’s San Diego trip. For Christmas 2022, we did something we’ve never done before. Instead of […]

Filed Under: Travel

Money talk without the taboo. Here’s our family’s real budget from last month.

December 28, 2023 by Stephanie 5 Comments

Where did you learn how to budget? Did your parents teach you? Did you learn in school? Of all of the really impactful things you could learn in high school, I think money management is near the top. Yet most people don’t learn about personal finance in high school. I know I didn’t! The informal […]

Filed Under: Personal Finance Made PUBLIC

5 Habits that Helped Us Pay Off $144,000 in Debt in 3 Years

December 4, 2023 by Stephanie 1 Comment

When we started paying off our law school debt, we owed over $130,000. At the time, my husband was making $39,000 before taxes and I was bringing in some side income with my Etsy shop.  We set an audacious stretch goal of being debt-free in three years, but when we calculated how much we needed […]

Filed Under: DEBT

Want to see everything our family spent and earned last month? Here are all the details.

November 24, 2023 by Stephanie 3 Comments

Talking about personal finance shouldn’t be taboo! That’s why we share our real budget with you every month. In fact, talking about budgeting is a great way to learn how to budget Our budget will look different than yours, and that’s how it should be. Our needs, values, and priorities are different, so it only […]

Filed Under: Personal Finance Made PUBLIC

Sweet Potato Soufflé– Our Favorite Thanksgiving Side Dish

November 13, 2023 by Stephanie 25 Comments

One of our most favorite parts of Thanksgiving dinner? Sweet potato souffle! While it’s not the healthiest version of sweet potatoes for your Thanksgiving spread, this sweet potato souffle is absolutely the tastiest. And let’s face it, covering your sweet potatoes with marshmallows and brown sugar, like many people do, isn’t healthy either. But sweet […]

Filed Under: cooking from SCRATCH, FRUGAL FOOD

Budgeting gets much better than Mint anyway. We switched to YNAB nine years ago and haven’t looked back!

November 4, 2023 by Stephanie 4 Comments

If you are one of the 3.6 million people who uses Mint for managing your personal finances, you might be panicking with the news that Mint will be shutting down completely by January and is hoping to push users to Credit Karma. As a long-time user of Mint, I can tell you that budgeting gets […]

Filed Under: FRUGAL LIVING

3 Inexpensive household items we use to save hundreds of dollars each month

October 30, 2023 by Stephanie 5 Comments

The internet is full of “money-saving” products with all sorts of promises to make your life easier while keeping cash in your pocket. I’m sure some of those gadgets are great and for the right people would make a financial difference, but that’s not what I want to talk about. Today I want to share […]

Filed Under: FRUGAL LIVING

Let’s normalize talking about budgets. Here are our actual expenses and income numbers for September

October 20, 2023 by Stephanie 2 Comments

Want to see what our real budget looks like? Every month we share our family’s actual budget numbers with you because we think talking about personal finance shouldn’t be taboo. In fact, talking about budgeting is a great way to learn. Your budget won’t look like ours because your priorities are different, your family is […]

Filed Under: Personal Finance Made PUBLIC

How to make your own pumpkin puree (from ANY pumpkin)

October 13, 2023 by Stephanie 45 Comments

Fall means it’s time for pumpkin everything! I love eating pumpkin all year long, but in the fall the rest of the world (well, at least the country) joins me. Do you know what makes pumpkin recipes even better? Making your own pumpkin puree! Seriously.  If you’ve never tried making homemade pumpkin puree, then make […]

Filed Under: FRUGAL FOOD, FRUGAL LIVING, growing & PRESERVING, in the GARDEN, In the KITCHEN

If a future government shutdown would affect your paycheck, make these 3 money moves now

October 6, 2023 by Stephanie 1 Comment

If you work for the federal government or depend on work as a government contractor, then you probably breathed a sigh of relief when Congress managed to pass a 45-day budget just hours before the government was preparing to shut down. We managed to avoid a government shutdown on October 1st, but we might be […]

Filed Under: FINANCES & BUDGETING

The simple 3-step calculation that will save your gas budget

September 29, 2023 by Stephanie 1 Comment

Unless you own a gas company or an oil well, you’re probably not a big fan of the gas prices lately. I paid $5.67 per gallon yesterday and that was at the cheapest station in town! It’s easy to throw our hands up in the air and decide there’s nothing we can do about the […]

Filed Under: FRUGAL LIVING

Here’s a detailed look into everything our family 8 spent and earned in August

September 22, 2023 by Stephanie 4 Comments

Welcome to another Family Budget Update where we share our real numbers with you! Why do we share all the details? Budgeting is such an important skill for everyone, but very few people are taught how to do it! It isn’t taught in most schools (except, eventually, in the School of Hard Knocks!) If you were […]

Filed Under: Personal Finance Made PUBLIC

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