Frozen Pennies
Ways To Save Money, Get Out Of Debt, And Live Your Best Life!
Having a zero-based budget for your family gives you 100% control over all of your personal finances. It allows you to allocate every cent to achieve the money goals you deem most important. Creating a zero based budget at the beginning of each month gives you opportunities for saving, spending, and …
If you’re a follower of the cash envelope system, you might already be familiar with the Savvycents Wallet. Melinda Claudepierre started the company in 2009 after reading a bok about budgeting with cash and getting tired of the paper envelopes constantly ripping. Melinda was so sweet to send …
Being a stay at home mom or homemaker is a job. Taking care of your home and children is a lot of work. If you decide to work outside of the house or have a career and work from home, you now have TWO full-time jobs. Today, I’m going to focus on the at-home job. …
Living on half of your income allows you to save the rest of your money for something specific. Many people chose to save 50% of there income for retirement purposes. Why Do You Want to Live on Half of Your Take Home Pay? They are either planning on saving as much money as they can …
We all know that food is our biggest expense behind housing in most households. It is also the best place to reduce spending with the most flexibility. Here are more than 60 ways I have found to reduce your spending and save on groceries. How to Cut Your Grocery Bill Without Using …
Mr. Ramsey’s thoughts and teachings about debt and personal finance hold a lot of controversies. Specifically, Dave Ramsey’s recommended percentages for budgeting. He has been helping thousands of people get out of debt for decades now yet some feel his theories are not quite modern …
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