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Too Much Clutter? Why It Could Be Costing You

I love January because it is my best time for de-cluttering and organizing my home and getting a fresh start. The colder weather keeps us in doors more, so not only do we notice more clutter, but we have the time to actually do something about it. Weekends are perfect for major de-cluttering and organizing sessions, but I try to fit in at least 15-30 minutes a day, each day, during the week, in order to make some real progress on our clutter. A few days ago, I attacked my food pantries. Yesterday, I started following Peter Walsh’s 31-day challenge … Continue reading →

According to a New Report, Household Debt is Increasing

Maybe it is because basic things required for living costs more these days. Food, healthcare, utilities and clothing have all seen a rise in prices. Maybe it is because we simply haven’t learned from the last economic crash. While home prices are slowly rising, so are sales of the latest electronic gadgets that sell out hours or days after being released. At the same time, U.S. income has fallen overall by 1.5 percent. Whatever it is, a need study has confirmed what may be surprising to some: household debt has seen the largest rise since 2008. How much household debt … Continue reading →

When You Want to Stay at Home

Many moms, myself included, learned how to live a frugal lifestyle in order to be able to stay at home with their kids. If you are feeling the same way, but you don’t know where to begin, whether or not staying home could be a reality, or how to convince your spouse that it is possible, keep reading. I have real life advice and experiences. It Costs Less Than You Think For most people, having one parent give up an income to stay at home has less impact on your daily finances than you might think. This is because there … Continue reading →

Are You Overpaying Uncle Sam?

Claim, claim, claim, deduct, deduct, deduct. That’s the name of the money-saving game when it comes to paying taxes. According to Kiplinger’s Personal Finance magazine, most of us are paying Uncle Sam way more than we need to simply because we are ill-informed. By reviewing current tax laws there’s a good chance you can cut your tax bill in half. For example, did you know that you can write off the casserole you made and donated to your local soup kitchen? Financial experts maintain that if generous Americans kept better records, they could easily increase the amount they list as … Continue reading →

A SLICE of Insurance for Pizza Parlor Owners

What do you do when you don’t feel like making dinner? Many families get on the phone, and place an order for delivery from a local pizza place. There is a brand new type of insurance policy called SLICE that is designed to protect pizza parlor owners in case their drivers get into an accident. Pizza parlors get a big chunk of their income specifically from people who want to have their food order delivered to their door by a driver who works for the pizza parlor. We have all had nights when even the thought of cooking dinner requires … Continue reading →

Insured Cancer Patients Have High Out of Pocket Expenses

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A study shows that some cancer patients are still paying an huge amount of money out of their own pockets, despite having health insurance coverage. This is leaving them with a big financial burden, which can lead to some difficult choices. Some aspects of this study have been questioned. A study was done by Duke University Medical Center and Dana-Farber Cancer Institute. The study included 216 cancer patients, most of whom were older women who had breast cancer. They found that on average, they were paying $712.00 a month on cancer related costs that their health insurance was not covering. … Continue reading →

The New Years Savings Plan

You got to love my husband. He just recently set up a couple of extra savings plan accounts for the new year. Into these accounts, money that is left over at the end of the month accumulates. It not only gives us savings, but serves as a real challenge. How much money can we put into it each month, and can we beat the previous month’s “record?” The New Year is a great time to start a savings plan if you don’t already have one or to revamp your existing savings plan. Your goals for this coming year may be … Continue reading →

Frugal things you do that costs more

So many times as frugal people, we get these great ideas, that in the end can be more costly. We really need to think through our ideas and other suggestions we hear before trying them. Overpacking one suitcase, hoping to save money: On one trip to California, I decided to carry one suitcase at all costs. I didn’t want to pay the cost for an extra suitcase. Knowing I would need to carry two suitcases home, I put one suitcase inside of another, and packed the inside suitcase. At the ticket counter, however, it was clear that my bag was … Continue reading →

Feeling Affluent

Most people who chose a frugal lifestyle do so initially out of necessity. Perhaps they decide to have one parent stay home and are reduced to one income, sometimes circumstances require them to cut back, and sometimes they just want to lead a simpler life with less stress and less formal work. Whatever the reason, frugal living can make you always concerned with saving money. In the beginning, especially, you are constantly calculating costs and values. Later, it gets a little more automatic. You know, for example, how to get the best price on bread, and you don’t even agonize … Continue reading →

When You Are Tempted to Eat Out 2

Would you like to save between $1,400 and $2500 a year? Eliminate eating out just once a week. I feel as though as I am always tempted to eat out. I’m been sharing some ways to overcome that temptation in my previous post: When You Are Tempted to Eat Out. Now, here are some more ideas. Another method for putting a quick damper on eating out is to calculate how many hours you have to work to earn that meal. If you make $10 an hour, that means that a typical family meal might cost you anywhere from 3 to … Continue reading →