Category: Entrepreneurs

budgeting, Entrepreneurs, financial freedom, lifestyle, money, UncategorizedLeave a comment

What it means to live Frugally

kspringer10

fru·gal adjective sparing or economical with regard to money or food. simple and plain and costing little.   We have lived a frugal lifestyle for quite a while. We have done it in the past out of necessity, now we do it so we can achieve our goals. We can go weeks without spending money on anything other than bills and groceries. We cook almost all of our own food, we don’t go out to eat very often, pizza is our weakness though. We plan our dinners weekly and we have a short list of snack items that we regularly … Continue reading What it means to live Frugally

budgeting, Entrepreneurs, financial freedom, lifestyle, money, UncategorizedLeave a comment

What is the Cash Envelope System?

kspringer10

You’re trying to learn to budget, or you already know how to budget, but it’s difficult to stick to your actual numbers. Some bills are hard to budget for like gas, water and electric since they are based off of usage. Other places that may be hard to stick to a budget is groceries, gas, miscellaneous or fun money. Studies have shown that your brain processes using cash different and more painful that just swiping a card. Swiping a card is easy, whereas handing over physical cash makes you double think your purchases. Using that information, if you stick cash … Continue reading What is the Cash Envelope System?

budgeting, Entrepreneurs, financial freedom, lifestyle, money, UncategorizedLeave a comment

Where to start your Debt Free Journey

kspringer10

You’ve had it! You’re tired of being stressed out about money. You’re tired of wondering what bill you’re only going to partially pay this month because you can’t afford groceries and bills. Maybe you’re like me and your vehicle is on the repo list and you have to short your rent check to get it off the list. I’ve been there, in that exact place. I thought that since I listed out my bills each month and when they were due that I was living on a budget. I thought that since I didn’t overdraw my account and that I … Continue reading Where to start your Debt Free Journey

budgeting, Entrepreneurs, lifestyle, Makeup, money, UncategorizedLeave a comment

How to stay at home on one income less than $30,000 per year

kspringer10

I can’t tell you how many times I’ve searched all over Pinterest, Facebook and any other place on the internet for the secret to be able to stay at home. I can’t tell you how many blog posts I’ve clicked on titled, “How to Stay at Home on One Income”. Every time I feel like I never get any answers! How did they all do it? Jeez, it’s hard for us to make it on two incomes! But I’m not here to give you vague tips on how to cut down your budget. No, I’m going to show you an … Continue reading How to stay at home on one income less than $30,000 per year

budgeting, Entrepreneurs, lifestyle, Makeup, money, UncategorizedLeave a comment

How to get Financial Traction

kspringer10

Even though we’ve eliminated almost half of our debt, we still have to be super strict with our budget. Part time at Dicks isn’t exactly bringing in the big bucks. We are looking at ways to increase our income, but in the meantime, our snowball has stalled. It stinks when you’re super intense about getting the debt paid off, but it feels like you’re just running in place. You know, like the roadrunner with the legs just going 100 miles per hour but not getting any traction. You have to remember in times like these that you still have to … Continue reading How to get Financial Traction

budgeting, Entrepreneurs, lifestyle, money, Uncategorized1 Comment

Grocery Shopping

kspringer10

One of the hardest places to cut spending is food. Obviously stop going out to eat. We don’t normally go out or order in, if we do, it’s usually really cheap. But we could easily spend $200 at the grocery store for just a weeks worth of meals. That adds up to $800 a month just for food! To keep costs down, we shop at 2 places, Aldi and a local grocery chain, Martins. Martins has a coupon and gas program that we take advantage of. We also plan a week of dinners at a time and shop for those. … Continue reading Grocery Shopping

budgeting, Entrepreneurs, lifestyle, money, UncategorizedLeave a comment

What are Sinking Funds?

kspringer10

When I started this, I kept seeing “sinking funds” everywhere. Y’all, I was so confused! I had no idea what they were or why they were so important. So I did some research. Sinking funds are specific items you know come up within the year, but aren’t a monthly payment. For example, Christmas, birthdays, car registration, etc. These are things you still have to pay for, just not monthly. I thought about what things were important and that I knew I needed to pay for within the next year. I came up with Christmas (next year), truck registration, birthdays and … Continue reading What are Sinking Funds?

budgeting, Entrepreneurs, lifestyle, Makeup, money, UncategorizedLeave a comment

How to boost your Income

kspringer10

One of the biggest factors in how fast you can pay off debt, is your income. If you have $30,000 in debt, $5,000 extra dollars can shave off a couple months off your debt snowball. If you’re really serious about getting out of debt fast, your best bet is to get a side hustle or two! My husband works retail, so right now with the holidays, he’s getting extra hours. I work from home as a remote assistant, it’s contract based, so I choose when and how much I work. I have a couple other things I do to bring … Continue reading How to boost your Income

budgeting, Entrepreneurs, lifestyle, money, UncategorizedLeave a comment

What is Normal?

kspringer10

These days it’s normal to have debt. Everyone has a car payment. Everyone has a credit card. A mortgage payment, if it’s not yours, it’s your landlords. There’s a pandemic of student loans. Why is it normal to have debt, but weird to pay for things in cash? Why do we worship the almighty credit score? Because that’s what we were taught. It’s the only thing we’ve ever known as millennials. Most of us remember what is known as the Great Recession of 2008-2009. I know I do. At the time I was in high school. My parents, who were … Continue reading What is Normal?

budgeting, Entrepreneurs, lifestyle, money, UncategorizedLeave a comment

Why financing Cars is a bad idea

kspringer10

I got my first car when I was 18. I searched far and wide to find something different, something just for me. I ended up finding a purple 1998 Dodge Dakota. It had 190,000 miles on it and it wasn’t perfect, but it was perfect for me! I loved it! He was lovingly named Barney for his color. I was lucky enough that my grandpa bought it for me and I didn’t have any payments. In the next 3 years I moved from California to Kansas to Colorado. Barney served me well. Going to college, getting married and then making … Continue reading Why financing Cars is a bad idea