December 2011 Budget

Last month my husband earned $2,243.54, and I earned $2,834.10 giving us a combined total of $5077.64, which is fantastic!  However, we had to pay $905 for my husband’s school fees from the fall semester and an additional $500 for rent on the new place for the last two week’s of December, so we really […]

How Do You Behave During Personal Financial Booms?

Recently, when researching my staff writing post about the current job boom in North Dakota, I ran across an interesting article, “I Doubled My Salary in North Dakota.”  The article is about a man who had formerly worked in a factory in Nebraska, but lost his job thanks to the recession.  He took the leap […]

November 2011 Budget

While on paper it looks like we should have had a fairly decent month, there are several kinks in our finances still.  Here is the ugly budget for November.  (I never did like the month of November!)  We are working on my husband’s salary of $1,671.42 (which is much lower than usual because of the […]

Create Your Own Layaway Plan

The stores are already starting to advertise for the holidays, and several major retails are pushing the option of layaway as an option to finance your gift giving. While layaway was not offered in stores for years, it is making a comeback due to the current economy. You can choose to use layaway or not […]

I Finally Discovered My Spouse’s Financial Weakness (and Why You Should Discover Your Partner’s)

When I travelled with my husband to attend his conference last weekend, I had a major epiphany: my husband has personal finance flaws. My Husband’s Financial Strengths For years, I only saw part of his financial behavior, the great part of him, which is that the man does not like to spend money.  I don’t […]

October 2011 Budget

For October’s budget, we are working on my husband’s salary of $1,888.69 and the money I earned in September, $1453.99, giving us a total of $3342.68. Here is the plan: October 2011 Budget Laundry 40 (we have to use a coin operated washer; we air dry our clothes) Rent 1000 Groceries, Toiletries & Diapers 425 ComEd […]

September 2011 Budget

For September’s budget, we are working on my husband’s salary of $1,682.61 and the money I earned in August, $875.63, giving us a total of $2558.00. Here is the plan: September 2011 Budget Laundry 30 (we have to use a coin operated washer; we air dry our clothes) Rent 1000 Groceries, Toiletries & Diapers 400 ComEd […]

7 Reasons Why You Should Start Thinking about Holiday Christmas Gifts Now

It is the beginning of August, and outside you may be faced with 90 degree temperatures.  Why start thinking about Christmas now, 4.5 months ahead of time? If you would like to have a frugal Christmas, now is the perfect time to start laying your plans.  Here are some things you can begin doing to […]

August 2011 Budget

We recently took a hard look at our finances, and it wasn’t pretty.  We have a lot of debt.   We will be looking for ways to further reduce our budget this month along with ways to increase income.  For August’s budget, we are working on my husband’s salary of $1,888.69 and the money I earned […]

What Is the Next Big Goal for Mom’s Plans?

Mom’s Plans’ Initial Goal When I started this blog, it was to share how my family was learning to live on less so I could be a stay-at-home mom.  After 2 years of blogging, I have officially become a stay-at-home mom, so I have met my main goal for Mom’s Plans.  So, what is my […]