Category Archives: Family Budget

10 Money Saving Ideas for Your Home

Spend less, save more, and make your house a home with the following ten money saving ideas. 1. Buy Less Most of us have more stuff than we need, and we continually add to it all of the time. Think about borrowing instead of purchasing, and evaluate what you really can’t live without in your home. You’ll save money and have a more peaceful environment. 2. Learn to Make Repairs A simple change of a washer will cost you just a couple of dollars if you do it yourself, but if you call a plumber, you will be given a … Continue reading →

How to Set up a Simple Family Budget that Will Stick

Setting up a family budget is one thing, but getting it to stick in the long-term is another. Building a budget is one of those things that many might compare to having a root canal done, but it doesn’t have to be that bad. You can set up a family budget that is simple, effective and will be around for the long-term. Make it Simple and Easy  You won’t use a budget if it isn’t easy to follow. You also won’t use it if it takes a lot to make changes. Start with a budgeting tool that you are already … Continue reading →

Save and Earn with Your Tax Return

One motivation for getting your tax forms in early is the promise of the money you may in the form of a tax refund. The average tax refund should run about $3,000 this year. Many people look forward to that tax return all year, but what if your tax return could make a real difference in your life and your finances? Instead of applying those funds to a vacation, why not use them to pay off debt or to build wealth? Save and Earn with Your Tax Return The typical tax return is a slippery thing, and before you know … Continue reading →

Four Ways to Reduce Your Heating Bill

If the weather INSIDE is frightful because you are afraid of home heating bills, you won’t spend a very pleasant winter. A better solution is to stay warm by finding multiple ways of reducing your heating bill and then combine these strategies to reduce your heating bill to the lowest cost possible. Selective Heating Only heat the rooms you are actually using. Are there any rooms that can be closed off temporarily during the coldest part of the year? Even if your home isn’t zoned, you can make it warmer in the rest of the house by isolated unused rooms. … Continue reading →

5 Frugal Practices That May Be Costing You Money

Sometimes even the best intentions to save money fail. Are you losing money while trying to be frugal? Here are five frugal practices that may be costing you money. • Stockpiling Do you still have cans of vegetables from 2001? Have the breadcrumbs gone stale? Stockpiling is a great way to save money and to be prepared for rising prices, but when you have half a pantry full of expired food then stockpiling is costing you money. To solve this problem, don’t give up on the stockpiling, just get a little more organized. Rotate your pantry items and keep track … Continue reading →

Thrift Store Shopping Tips

You can cut almost any of your shopping budget by 60 percent or more when you shop at local thrift stores instead of retail stores. Imagine getting designer jeans for $5 or a new-with-tags name brand dress for only $3. How about that new hot video game for $15 instead of $50? It is all possible when you use thrift stores as a valuable resource to save your family budget. Getting Over the Ew Factor If you haven’t visited a thrift store lately, you should stop by and take a look. What you see may surprise you. Most thrift stores, … Continue reading →

Hanging Laundry in Winter

Just because it is winter, doesn’t mean that you have to use your clothes dryer. Hanging laundry saves money by reducing your energy costs, extending the life of your dryer, and extending the life of your clothing (all that lint caught in the trap comes from the fibers that are wearing away from your clothing in the dryer–scary). Invest in a Drying Rack A fold-up drying rack can hold quite a few items of clothing, and will work well for items that have to be laid flat as well as those that need to stay flat to dry. Make sure … Continue reading →

5 Ways to Save on Gym Memberships and Workouts

Ready to fulfill those New Years Eve Resolutions for a healthier body and a more active lifestyle? Gym memberships are a great way to make a regular commitment with professional equipment and classes that are sure to keep you on track. Here are five ways to save money on a gym membership. 1. Negotiate the Gym Fee When you are considering making a commitment to a gym membership then it is time to speak up. Tell them that you are thinking about joining but want to save some money. The health club may go ahead and waive the sign up … Continue reading →

How to Turn Your Resolution to Save Money into a Reality

Make sure that you can turn your resolution to save money into a reality when you put the following steps into place. It isn’t enough just to resolve to be frugal or cut back. You have to make a commitment and then know where to begin and how to keep it going. It takes just 21 days, by conventional wisdom, to turn a resolution into a habit. That means with just a little effort each day for the next three weeks, you can start down a path of a lifetime of saving with the end result being financial solvency. The … Continue reading →