Why a Budget Can Make or Break Your Homeschool

Budgets.  Yes, budgets.  They’re often the least favorite household chore.  In fact, according to a Gallup poll, two out of three households don’t even have a budget! Yet if you want to homeschool, I find budgets to be essential. Why Are Budgets Essential for Homeschoolers? You’re Likely A One-income Family If you homeschool, you’re likely […]

Maintaining a Spirit of Gratitude When You Don’t Get Ahead Financially As Fast As You Would Like

My flash savings challenge to save $3,000 in our emergency fund was so successful, it inspired me to think long and hard about a huge, hairy audacious goal.  I am not ready to reveal that goal just yet, but I planned to start setting money aside for it now that our $3,000 emergency fund is […]

How We Plan to Feed Our Family of 5 Healthy, Organic Food on a Budget

You may have noticed lately that much of our recent budget shortfall comes from food purchases, specifically locally grown and organic food.  Here is what we have paid upfront for food in the last two months: -$538 for a vegetable and fruit CSA.  This CSA will begin in early June and will run through late […]

March, 2012 Budget

Last month, after my blogging expenses, I earned $2,142.18 and my husband earned $2,114.17, giving us a combined total of $4256.35.  While this is great, we also had a number of expenses that weren’t in the budget, so you will see that this budget runs negative.  Through a series of different activities, I plan to […]

March Budget – We Have a Problem Here

I sat down to do our budget last night and realized that March’s budget is horrible.  While we earned $4,256.35 for March expenses our checking account is exactly $300 short that amount.  Why?  My husband and I looked hard at our budget and realized Japanese preschool for my daughter cannot happen this year.  Maybe we […]

How Simple Dietary Changes Can Save Your Grocery Budget and Improve Your Health

For years my husband and I bought lunch meat every week and packed our sandwiches for work.  While we were making a smart financial move by packing our lunches rather than eating out at work and school, we were still spending more than we needed to by buying lunch meat at a cost of $4.99 […]

February, 2012 Budget

Last month, after my blogging expenses, I earned $1562.03 and my husband earned $2,370.61, giving us a combined total of $3,932.64. February 2012 Budget Laundry 30 (we have to use a coin operated washer; we air dry our clothes) Rent 1390 Groceries 200 (this is very low, but I overspent in January, so I am relying heavily […]

Get Dave Ramsey’s Kids Money Education Monster Pack for $48

As I have mentioned previously, my seven year old son is quite the spendthrift.  So, when I saw this Dave Ramsey’s Kids Money Education Monster Pack, I knew I needed to buy it for my son as one of his birthday presents.  While he is a spendthrift, he is also learning from the financial conversations […]

Steps To Take If You Can’t Manage Your Finances

If you find yourself deep in debt with not enough income to cover your monthly bills including the minimums on your debt, you may feel worried and depressed.  You may feel like there is no way out of the endless of cycle of debt, but there are several options available to you. 1.  Hire a […]

January, 2012 Budget

Last month, after my blogging expenses, I earned $1697.65 and my husband earned $1,930.97, giving us a combined total of $3,628.62. January 2012 Budget Laundry 30 (we have to use a coin operated washer; we air dry our clothes) Rent 1390 Groceries 300 (we just finished a large freezer cooking bout, so we are fairly well […]