I am a firm believer in not counting your eggs before they hatch. I never count on income until it is resting safely in the bank. However, I do think that to be a good steward with your income tax refund, you should plan ahead to avoid looking back and wondering where it went. Been [...]
NEW: Penny's Frugal Living Consultation
How would you like a Frugal Living Makeover? If you could have a professional home economist step in and look at your lifestyle and spending habits, would you? If you could have someone make an honest assessment of your financial situation, someone to serve as an unbiased third party, how much stress would be eliminated [...]
Behind the Scenes: Pruning
Living in a glass house means that you believe in complete transparency. Bill and I have always said that we have no secrets. We put everything out there with hope that someone might be helped by our mistakes or beliefs. I say this because I am about to give you more honesty than I ever have. [...]
Behind the Scenes: Did Bill Survive?
This week, you will get a peek into our family behind the scenes, deeper than ever before. Pay close attention and I will give you the ins and outs of how we make decisions, pay the bills and entertain ourselves. So, we will start the week with information for those who might be wondering if my [...]
Penny for Your Thoughts
This has been such an emotional week in our home. We started out with a tummy bug which felt much more like a monster when the headache crept in. Then, to learn that little Jensen passed into the arms of Jesus… I never had the opportunity of meeting him face to face on this side [...]
Tuesday Topics: Credit Card Trap II
“No payments and no interest until next year!” Have you heard that one before? Sounds like a really good deal. Use plastic now and get a free interest ride until next year. You get the benefit of keeping the stuff while paying absolutely nothing. Take a deep breath, get a good grip on reality, and [...]
Tuesday Topics: Credit Card Trap
My first job was in 1992 at a department store which is no longer in business named Gayfers. If you are not a native Mobilian, you will not have a clue what I am talking about but trust me, it was the place to shop. Deals galore. Everything you need. All in one place. Two [...]
Saving More: The Out to Eat Trap
How often do you go out to eat at a restaurant? Honestly, it fluctuates for us and I am ashamed to say that we have gone out to eat more since we returned from vacation than we did while we were ON vacation. CRAZY! So, how can you keep restaurant menus from draining your budget? [...]
FREE Monthly Budget Tracker
If you liked my Monthly Budget Tracker, you can download it for free HERE. Just save a copy to your computer and use it to keep up with your grocery budget and savings. Other trackers are available HERE. This download is virus and spyware free!
Over Budget?
I thought I was over budget for the month in our grocery budget because I was not (gasp) tracking my spending. Terrible, terrible! So, I sat down with my receipts this morning and discovered that I get to do some more shopping! Date Store Subtotal Tax Savings Paid by Notes 1-Mar Walmart $15.30 $1.38 $0.00 Debit [...]
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