Budgeting

complete review YNAB

10 Reasons YNAB is Worth the Money: Review for You Need a Budget

YNAB is by far, our favorite online budgeting tool for tracking spending and money management. YNAB costs $6.99/ month (billed annually), and the most frequently asked question I get about it is, “Why pay when there are free budgeting tools available like Mint? Is YNAB worth the money?” This YNAB review is meant to answer …

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Here are 10 simple tips for how to save money on groceries without using coupons. I do most of these each month and we spend less than $400 per month for our family of 4.

How To Save Money on Groceries: 10 Simple Ideas & NO Coupons

I recently wrote about how I got sloppy at budgeting towards the end of my pregnancy with our 3rd baby. Especially with our grocery budget! Oddly enough, even with 3 kiddos under 3.5, I have way more energy and mental stamina to think about budgeting (and blogging) again now that I’m not pregnant. That 3rd one …

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How to stop impulsive spending: The one thing I did to change my spending habits completely!

How to Stop Impulsive Spending

I recently read “The Power of Habit,” by Charles Duhigg. Besides being full of fascinating insight about the habits of our brains, our corporations, and our society, it also gave me some key realizations about what some of my personal habits are, and how to truly change some of them. I hadn’t thought much about it until …

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FREE BUDGETING FOR BABY WORKSHEET: how much does it cost to have a baby? This simple process will help you plan for a new baby, regardless of how big your budget is.

Free Spreadsheet: How Much Does a Baby Cost? (Less Than You Think!)

When we got pregnant with our first baby, I was a private piano teacher making approximately $26,000/ year (before taxes) and he was a full time graduate student. Then, I landed a luxurious public school teaching job that was a slight pay increase with health insurance. (Can somebody say sugar momma?)  When we got pregnant …

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cutting costs at Christmas: brown paper packages tied up with string

Cutting Costs at Christmas

I love this time of year. From right before Thanksgiving all the way through New Year’s. I love how simple Thanksgiving is, and I love Thanksgiving food dessert. Then, I love baking cookies and getting out the tree. I love the mostly quiet mornings and evenings by a dimly lit tree reading my advent devotional. I …

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