A balanced approach

Pick one thing

It’s overwhelming to start. Whether it’s a project of saving money (Have you signed up for the $1000 savings challenge yet?) or paying down debt or just getting a better handle on your finances. This is particularly true when you have a lot of big expenses that pile on one after the other.

It’s tempting to start looking at your budget and just SLASHING things from it. When you are looking to cut costs you may want to analyze your grocery bill and go to all the different stores to get all the deals and coupons and points.

Diving in head first and committing totally to a new lifestyle usually doesn’t work. Becoming extreme right away works for a short amount of time and then fails spectacularly. This is part of the reason why I don’t recommend No-Spend Days. If you are feeling overwhelmed with your finances and your goals, then here is my advice. Take it or leave it as you will.

If you are attempting the $1,000 Savings Challenge and you want to see results that will really change your life than do this: Continue reading “A balanced approach”

Save Money Feeding a Large Family

This post contains affiliate links. Please see my disclosures for more details.

The best way to save money on food when feeding a large family….

is a tip that you don’t want to hear.

In fact, its not necessarily a “tip” or a “hack” but a complete lifestyle change. When you are feeding a large family then your food costs are multiplied exponentially. Its much harder to save money using couponing etc. You need some drastic measures.

feeding a large family
feeding a large family on a budget

I always get a lot of backlash when I share this in real life or any of the forums I frequent. I am curious if this blog post will get the same type of dismissive reaction.

The best way to save money on food, particularly if you are cooking and feeding a large family, is something you probably don’t want to hear and you certainly don’t want to implement. I am going to share it anyways because it really is the most effective and the most healthy way to change your diet. If you do agree to begrudgingly give it a try it will change the way you eat forever. ( OK, I actually can’t promise “forever”- we have been doing it for 4 years and it has changed the way we eat but that is all the data I have on the subject.) I don’t have such a large family but I grew up in one so I know the struggle of feeding a large a family on a budget.

Feeding A Large Family when you Eat Kosher

Continue reading “Save Money Feeding a Large Family”

How You are Budgeting Backwards

Are you Budgeting Backwards?

Asking the wrong questions

The one mistake you are making when it comes to creating a budget and how to change your budget to something that works for you.

 

A question I see raised very often on various forums and social media sites (which I spend way to much time on) is some form of the following explains why so many people are budgeting backwards:

“I’m trying to create a budget and…

How much should I spend on… food or eating out or clothing?

How much does everyone spend on these categories?”

This is a question that comes up again and again usually by people who are attempting to get their finances in order and are trying to start living on a budget.

But they are asking the wrong question.

backwards

They are approaching their budget backwards.

Continue reading “How You are Budgeting Backwards”