giving charity

Guide to Giving Charity

Guide to Giving Charity

How to make charitable giving a part of your budget

I talk so much about saving and investing.  We all do. It is one of the core tenants of personal finance. Save more than you spend. Save for retirement. Your savings rate (how much money you save a month) is obviously a key indicator of financial wellness.

Money is a tool to be used to better your lives and the lives of the people around you. That means that you do have a moral obligation to help people who are less fortunate than you. This involves giving charity, as much as you can.

giving charity

Giving 10% of your income to charity

As a Jew, I subscribe to this pretty strongly. There is a Torah commandment to set aside 10% of your income for charity. This, unlike the Christian tithing, is not necessarily meant to go to the synagogue (although you can if you want) but rather to charity- to those less fortunate than you.

Giving 10% of your income (Maaser) has always been a key part of my budget. This is not really negotiable. Even when we were making very, very little money this was always set aside.

My parents were not particularly good with money but they always gave Maaser. I was always instructed to keep track of how much money I made babysitting and other odd jobs so I could give 10% of it to charity. Of course, sometimes that meant I was giving a few cents to charity!

The amount of money that you give doesn’t really matter. It’s the percentage that counts (at least according to Jewish law).

Charitable Giving Account

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7 Ways to be Frugal and Eco-friendly

7 affordable ways to be frugal and eco-friendly


Yesterday was Earth Day and even though it’s a little late I wanted to share some of the frugal things my family and I do that also are environmentally friendly.

Being frugal and being eco-conscious often work hand-in-hand. Here are some cheap and affordable ways to be a little more eco-conscious.

frugal and eco-friendly

Reduce. Reuse. Recycle.


Affordable and easy ways to save the earth


The more use we get out of items the more we save money and the more we reduce our footprint on the earth. Less garbage, less energy when getting new items, less waste. All these things go hand-in-hand.

Doing my part to reduce consumption


I am not what you would call a super eco-friendly person. For example, I do use a lot of plastic dishes and silverware, even though it something that I try to cut down on. Going zero-waste or plastic-free is not really in the cards right now but it is something I can aspire to at one point! Of course, being able to make choices like that is a privilege in of itself.  I do try to do my part to save the earth and save money at the same time.


7 ways to be frugal and save the environment

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How to Stay Sane At Home With Your Kids

So happy that we have Rebekah from SmartMoney microcast who homeschools to share some of her tips for….

Staying Sane with Kids at Home

Surviving quarantine and stay-at- home orders with kids

Hi everyone!

Since all of you reading this are likely either quarantined or in some form of self-isolation, I wanted to list some frugal ideas that will hopefully keep you sane if you are also trying to work from home and/or have kids home from school.


Just a little background – I am a stay at home mom who homeschools. And I’ve got an edge – I have two boys, 7 and 5 years old. We don’t have a TV, the kids have watched one video in their entire lives (I broke down and played I want a hippopotamus for Christmas on a cross country road trip at 10 pm), and they don’t do screen time. Trust me, I know what it’s like to have the little dears underfoot 24/7. So I wanted to list some ideas and tips for keeping everyone sane and hopefully not impact your wallet too much.

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