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Save Money

New Year. New Ideas. New Goals. Are You Ready? + FREE Download

In Frugal, Phenomenal

As 2014 comes to a close and we embark on a new year, it is important that we take the time to reflect on how the prior year went.  As we live, each day should be better than the last and each year should be better than the last. Does that mean that everything will be perfect? No. However, everyday that you are alive you should learn something or do something that expand your thoughts and horizons and honors God. During your period of reflection you need to think about the following questions. What went well? What didn’t? Did you meet your…

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How to Stick to Your Budget During the Holiday Season

In Frugal, Phenomenal

About 32% of Americans have a household budget.  Having a budget it an amazing start, but it is not enough.  You have to know how to follow it.  Last week I discussed the steps that you need to follow to develop a budget for the holiday season.  This week I want to share 5 strategies to help you stick to the budget that you created last week. 1.  Understand what you want to buy for each person on your list, and shop for only that.  By understanding what you want to buy ahead of time, you will reduce the time…

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5 Simple Ways to Stay Calm and Out of Debt During the Holiday Season

In Frugal, Phenomenal

The holiday season can be very stressful for a number of reasons. People may feel alone, there is more traffic than normal in the malls, and there is the pressure to buy the perfect gift. It can definitely be overwhelming, but here are some tips on how to stay calm, maintain your sanity, and actually ENJOY the holiday season. Allot more time than usual. Given the increase in shopping traffic, you may need to leave more time to get to your locations. Driving can be very stressful, and you don’t want to add to the stress due to lack of time….

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Is Your Social Life and Spending Patterns Killing Your Budget?

In Frugal, Phenomenal

How many of you get paid on a Friday and within a week you are wondering where all of your money went?  You look back over the past week and you know that you had a great time, but you’re not quite sure of where the money went.  I definitely know the feeling. Recently I had a conversation with a good friend of mine and we were reminiscing about life a few years ago.  Of course, she blamed me for why she never had money and I blamed her!  Regardless of who the enabler was in this scenario, (honestly we…

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3 Easy Tips To Learn How To Start Saving For Retirement Today

In Frugal, Phenomenal

Starting to save for retirement is extremely important. First, no one knows if social security will be around or in what form when we retire so it is important that we start to save. Starting early is best because you are able to make smaller contributions over a longer period of time, which minimizes the amount of money that comes out of your pocket. Second, about every 10 years your money will double, so the longer you have it in the market, the more opportunities that you have to double your existing balance. Therefore, it is better to start early…

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