cutting expenses

When You Spend More Than You Make


By: K.H. Smith

One good thing about making a budget is that it shows you where your money is going.  (How to Make a Budget) However, if you  spend more than you make, then you know you have to cut somewhere.  Your budget can show you some places you can trim your spending.  Depending on how much spending needs to be cut, you may need to make small or large changes in your habits.

 

Chances are if you are reading this post, you are spending more money per month than you should.  So the question of what to cut or trim out of your budget comes down to what are my needs? Obviously, food, shelter, and bills are essential, but that doesn’t mean you shouldn’t take a closer look at those expenses.  Look at every part of your budget and consider what can be changed, reduced or dropped all together.

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planning for expected expenses

Planning for Expected Expenses


By: K.H. Smith

Finance bloggers and experts talk a lot about creating an emergency fund for those unexpected expenses.  And that is still a necessity.  However, there are big expenses that come up that you know are coming.  Things such as major car repairs, needing a new car, house maintenance items like a roof, furnace, or appliance replacements, etc. are expected expenses that you know are coming.  Don’t forget about birthdays, Christmas and graduation presents. These items should not cut into your emergency fund.  They should be planned for in advance and paid for in cash if possible.   The question is how do you go about that?

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financial hangover

Holiday Financial Hangover Cure


By: K.H. Smith

Well, your best laid plans of staying in budget for the holidays failed.  Now it is January and your credit card statement is here! Ouch!  Kinda feels like a hangover, doesn’t it? A financial hangover! Now what?  How do you recover from the damage done in December and start this new year off right? Well first things first…put a hold on any shopping, eating out, and unnecessary spending.  Not sure if it’s absolutely necessary, then it probably isn’t!
Now assess the damage.  How much do you owe? Don’t beat yourself up, just move forward.  Hopefully it is not as bad as you thought, but either way it’s time to make a plan. In order to pay off this debt you need extra money, either through earning more or spending less. Here are some suggestions on how to do both.

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free winter activities

Free Winter Activities


By: K.H. Smith

Even with chilly outdoor temperatures there are plenty of free winter activities to have fun and keep your entertainment budget low!  Free entertainment ideas are an easy way to trim your budget.  You and your family will still be able to find fun things to do.  You just might need to get creative! Here is a list of free winter activities to get you started!

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Chicken taco chili

Chicken Taco Chili Recipe


By: K.H. Smith

This is my go-to cold rainy day meal.  Chicken Taco Chili is easy to make, and even my picky-eater son will eat it! You can prepare it on the stove top, but I prefer to use the crock pot. It takes very little prep and it will warm you up for sure! Just throw in the ingredients around lunchtime and by dinner it is done and for an added bonus your house will smell wonderful!

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Eating at Home

Eat At Home Challenge


By:  K.H. Smith

 

Eating at home is a great way to cut expenses!  However, if you don’t like to cook, or don’t feel that you have time to cook, the idea of eating at home is less appealing.  I know how you feel! I am not a great cook, nor do I love prepping and cooking all day.  However, I AM a fan of saving money and I also like the added benefit of eating healthier that can come with eating at home. Below are some tips that have helped me enjoy cooking a bit more, as well as some easy recipe ideas that have lessened the stress of daily home cooking.

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Favorite Crock Pot Recipes


By: K.H. Smith

Some meals do require more prep than others.  You can choose to use all fresh ingredients, or use cheats, like canned or frozen ingredients.  I won’t judge!

 

If you search the web there really are amazing ways to use your crock pot to prepare dinner, desserts, drinks, and even breakfast! Some of the ideas are a little too far-fetched for me to try, but I digress. I have put together a few delicious crockpot meals to try. Note the variety of flavors you can cook in a crock pot, and this is just the tip of the iceburg!  Add some of these to your meal rotation. Make a larger batch for leftovers or freeze for a meal next week.  The weather has been perfect for a warm savory dinner at home!

Bon Appetit!

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