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Easy Budget Breakdown

Wondering what you should be spending in each category of your budget? Here is an easy breakdown that makes budgeting a breeze. It is just a matter of putting the following percentages into each category. Total up your available income after taxes (take home pay) and then divide it up as follows. One thing that is nice about this method is that you don’t have to agonize over little things, and you can shuffle money around as needed for unexpected expenses or gains. Here are the recommendations inspired by M.P Dunleavey, who writes a column for MSN Money. Ten percent … Continue reading →

Prada Taste on a Wal-Mart Budget

Well-fitting, trendy clothes can really make you feel great about yourself. While most of the time, as a mom who works at home, I wear the more practical uniform of jeans and a comfortable top, I do like the ability to dress up in more stylish clothes now and then. But how can you keep up with trends and dressing in style when clothes can be so expensive. If you don’t want to compromise your taste but you can’t compromise your budget, read the following post. There may just be some great advice here that you can use. Get the … Continue reading →

Fold Those Clothes to Save

Sometimes it is the little things that can help you save money, sometimes without you really realizing it. Taking care of items can help them to last longer, of course, but did you know that folding certain items of clothing can actually keep them looking good and extend their life? So throw those hangers away, or at least save them for certain items while you fold others. There are two ways that folding clothing can extend its life. The first is that it puts less pressure on the clothing fibers than does hanging. You can easily stretch out a top … Continue reading →

Department Store Clearance Shopping Tips

Sometimes the prices at department stores can be cheaper than the prices at thrift stores and even garage sales! Plus when you shop the clearance sales, you wind up with new, never used items. So, not only might you get more use out of these items (from lack of wear), but you can also gift them without guilt. Over the years, I have learned a few tricks for shopping the clearance sales. Here are some of my favorite tips for saving big and getting the items that you want and need. Shop off peak If you can shop on a … Continue reading →

How to Save Money on Underwear

Underwear is just one of those things that I refuse to buy used. I know that some others do this quite successfully, but I just cannot get over my squeamishness about it. I am fine getting most other items of clothing used for myself and my family, but I just can’t do underwear. Because gently used clothes are one of the great ways to reduce the clothing budget, and this is not an option for underwear, I’ve come up with several other ways to save money on underwear. I hope that my tips will help you save money as well. … Continue reading →

Avoid the Shopping Bug

Just like a regular virus, the shopping bug can make you ill, or in this case your finances ill. The shopping bug can be caught, and you can suffer it long term. Here are some suggestions on how to avoid catching this bug in the first place. Inoculate Yourself Having a new attitude toward stuff can really help inoculate yourself against the shopping bug. Shopping is often seen as a firm of entertainment, but at the end of the day, purchases are all just stuff. And we often have too much stuff. Why not concentrate on a few things that … Continue reading →

A New Wardrobe for Free

If you took only an hour today, I bet you could find a whole new wardrobe right in your own home! Here are some tips on how to get a new set of outfits all for free. When I read Andrea’s blog about how the 80s are back, I got inspired. Not by the 80s clothes in particular, I’ve had enough neon pink belts and acid washed jeans to last me a lifetime, but by the thought that there is usually an entire new wardrobe waiting in everyone’s closets and drawers, if only they would take the time to discover … Continue reading →

Lowering Your Frugal Setpoint

This past weekend, I had the opportunity to help out at a children’s outgrown sale. It was so much fun interacting with the staff and with the shoppers, plus during slow times or when we were fixing up the racks, the people working the sale were able to take a closer look at some of the items themselves. One thing that emerged for me was the fact that everyone there, staff and shoppers included had their own frugal setpoint. A setpoint is the point or highest price that you are willing to pay for something. This can vary by the … Continue reading →

Practical Clothes Shopping

About a week ago I had to opportunity to go out shopping with a good friend. Her mission was to get me out of my standard uniform of jeans, tops and sneakers and into something with more style. The rules were that I was not allowed to buy anything black it’s classic), and I was not allowed to buy socks. You see, my practicality being what it is, socks are infinitely useful. Besides being worn on the feet, once they become worn out, they can still be used for many other things. Plus, it is rare to find new socks … Continue reading →

My New Outlet Shopping Tip

Friday my husband had the day off for the holiday, so we took a short trip over to Lancaster County, and among other things, visited the Rockvale Outlets. These outlets have some great family-friendly brand names, such as Disney, Carter and Stride-Rite, as well as fashion-friendly stores for the adults. We only had time to hit a few of the stores, but I learned a couple of new things about outlet shopping for this trip. Here is my best new tip. Think outside the store The first store I wanted to visit was the VF outlet. Healthtex, Vanity Fair and … Continue reading →