Build Holiday Memories for Free!


By: K.H.Smith

Who doesn’t enjoy spending time with family and friends over the holidays?  I know I do!  But a lot of dinners out, and gift exchanges can put a pinch on the budget.  So why not think of some fun, but free options for spending time and still build holiday memories with family and friends?

 

Here are a few of my faves…

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snowball your debts

How to Snowball Your Debts!

By: K. H. Smith

If you are like most Americans, you have debt.  Maybe you have a lot of debt, maybe you don’t. But either way, you would be better off without it. If you look at your monthly expenses, wouldn’t it be so much smaller without credit card payments, car loans, student loans, or even your mortgage? Think how much cash you would free up! It’s pretty exciting! Well, let’s talk through some way to make that happen with either debt avalanche or snowball your debts…

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Common Couponing Mistakes!

By: K.H. Smith


There are a lot of great blogs and websites out there that have great ideas on saving with coupons.  I have read a lot of them!  I think they have some great ideas! But there are a few traps that I have found myself in, and I want to help you avoid common couponing mistakes.

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How To Get Your Kids Interested in Saving!

By: K.H. Smith

Saving money is a difficult task for adults, but starting your kids saving at an early age makes it seem natural.  I think getting your kids interested in saving and money managing will serve them well for their lifetime.  Here are some ideas to start your kids saving…

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Save Money on Your Electric Bill


By: K.H. Smith

Some things I do, that I feel is pretty normal, help us save on our electric bill.  They are small savings but do add up over time. Consider some of these suggestions to save money on your electric bill this month!

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Frugal Wedding Ideas!

By: K.H. Smith


We just got married last year! It was a beautiful day celebrating with family and friends. And importantly, we did not go into debt to pay for it.  We live in an expensive area and weddings typically run $25k or more.  We just didn’t want to spend that much money on one day, even as special as it was. I want to share with you some ways we cut expenses, so you won’t go broke and still have a beautiful wedding.

Here are some of the ways I was able to cut expenses in my budget and save thousands of dollars…

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emergency savings

How to Save $1000 in 3 Months!

By: K.H. Smith

 

If you don’t have an emergency fund, you can really get into trouble with debt quickly.  Ideally, you want to have 3-6 months of your monthly expenses set aside for emergencies.  Preferably in an account that is not readily accessed, so you are not tempted to tap into it. But if you are just starting out on the debt-free journey, a $1000 savings is a good buffer.  Most emergencies, such as car repairs, ER copays, and home repairs are less than $1000.  So let’s figure out how to get $1000 into your savings account!

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