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Reviewing A Spending Journal

Are you ready to review your spending journal? You should have had some time to record your everyday purchases. If you haven’t started your spending journal yet, don’t worry. Just go back and read the earlier article, Creating A Spending Journal. Then you can come back and join us to review. So let us take a look at your journal. Look for patterns. Do you spend more during the week or on weekends? Do you buy a lot of convenience items that a little planning could eliminate? Where are your biggest impulse purchases? Trying to see the patterns of how, … Continue reading →

Creating A Spending Journal

Whether you are new to frugal living or have been practicing it for a while, creating a spending journal is always a good idea. A spending journal allows you to see exactly what you are spending and the information it provides can really help you reduce that budget. A good spending journal keeps track of your purchases, with detailed information, such as when you spent money on something and even why. If you are just getting into frugal living, a spending journal is a great way to start, because when all of that information is in front of you, you … Continue reading →

Smart Buys for Stimulus Checks

Those Stimulus Checks should be here soon. You know the rebate checks given out to every tax payer that meets a certain income? With our family of two adults and three kids, we are looking forward to the extra money. How about you? Before you run out and spend that money (and hopefully help boost the economy), take a look at the following smart buys for those stimulus checks. Food With food prices going rising astronomically (and continuing to rise in the future according to financial analysts), it is a smart buy to invest in food for your family. No … Continue reading →

Frugal Summer Cooling

Now that the temperatures are getting hot, you might find that some of your money is burning up with all of that summer heat. This year, we have been able to reduce our summer cooling cost significantly. Last year, during the summer months, our electricity bill was more than $200. This year, so far we have managed to keep it under $86 a month. And, lest you think it has been a cool summer, let me tell you that we are already on our third heat wave. So how did we do it? Here are some of the strategies. One … Continue reading →

Frugal Living Week in Review: June 25th Through July 1st

Here is another review for you, as we continue top play catch up. There are some great articles here, and we hope that you enjoy them. I always like to review earlier articles myself. It helps keep me on track with frugal living. And so, here is the Frugal Living week in review for the date range of June 25th through July 1st. June 25th Four Frugal Summer Activities Summer is a wonderful time to have some great family fun. My kids are so excited about the summer and all that they can do. Well, my son told his kindergarten … Continue reading →