Frugal Living

Why We DON’T Budget for House Projects

posted by Andrea | 07/21/2017 | 25 comments

Over the last 6.5 years, Dave and I have spent a considerable amount of money fixing up, renovating, remodeling, and decorating our home… and since I share the renovations on my blog, I’m regularly asked how we budget and plan for all our home projects.

I’m guessing many of you would be shocked to know that Dave and I actually DON’T budget for house projects… that’s what I’m talking about today!

How We Enjoy the Fruits of Our Frugalness

posted by Andrea | 05/30/2017 | 35 comments

I have always been good at making the most of our MONETARY resources. However, in many ways, this has caused me to squander my resources of time and energy. Also, we weren’t really enjoying any tangible benefits from all my frugal habits.

Today I’m sharing how our family has introduced a little more MODERATION into our savings and spending over the past 4-5 years, and how we are now regularly enjoying the “fruits” of our frugalness!

Save More: Buy What You Need Versus What You Can Afford

posted by Andrea | 04/7/2017 | 22 comments

We wouldn’t have very full lives if we ONLY allowed ourselves to buy exactly what we needed to survive and nothing more. It’s fun to splurge a little every now and then and it can be a special treat to do or buy something we might not normally do or buy.

But I do think we (myself included) could all save a lot of money if we simply stopped to ask “Do I NEED this?” versus “Can I AFFORD this?”

Our Best Tax Refund Tip

posted by Andrea | 03/24/2017 | 131 comments

With just over 3 weeks until the official end of tax season, Dave and I figured it was perfect timing to share one of our best tax refund tips — especially since we were pleasantly surprised with the extra-large refund we received for 2016!

How Dave Watches March Madness Without Cable

posted by Andrea | 03/20/2017 | 26 comments

As many of you know, Dave and I nixed cable a while ago… and we really have no regrets.

However, the one time of year Dave really misses cable is during March Madness. The man is a basketball junkie and would probably watch every single game if he could — thankfully, he found a very frugal solution that allows him to watch as much basketball as he wants… without cable!

Why We Don’t Have College Funds for our Kids

posted by Andrea | 03/14/2017 | 86 comments

Almost immediately after Nora was born, I was asked if Dave and I were planning to set up a college fund for her and for any future children.

The short answer is “no, probably not” — and today, I’m explaining more about that decision in an updated post from one I wrote 3 years ago.

10 (more) Things I’ve Never Spent Money On

posted by Andrea | 03/6/2017 | 37 comments

Over the past 7+ years of blogging, I’ve shared a few “Things I’ve Never Spent Money On” posts, and they are always SO fun to write and so fun to read the comments!

I recently thought of several more “things I’ve never spent money on” so I figured it was time for another post!

7 Simple Ways We Save A Little Bit More

posted by Andrea | 02/9/2017 | 21 comments

I’ve gotten lots of money-saving questions over the past few weeks… so today, I thought I’d share a handful of relatively small and simple ways we save quite a bit every month and every year.

Most of these simple ways to save won’t instantly change your financial situation, but (as with most things in life) the changes will come about more slowly. However, by starting small and sticking with your savings goals, you will be on your way to create the very valuable habit of SAVING!

The Questions We Ask When Debating Whether to Save or Splurge

posted by Andrea | 01/30/2017 | 4 comments

Today I’m sharing a list of questions Dave and I ask when we’re contemplating saving or splurging.

Of course, there is no right or wrong way to save or splurge, but I’ve found that my mental checklist of questions helps put my purchase into perspective, resist impulsive spending, and still enjoy regular splurges and special treats for myself and my family (without feeling guilty!)

5 Ways I Find Free (and Frugal) eBooks

posted by Andrea | 01/25/2017 | 14 comments

I realize there are literally hundreds and hundreds of online resources for free and frugal eBooks, but since I like to keep things super simple, I’m sharing MY top 5 today.

And of course, I’d love to know what your favorites are too!

It Can’t Hurt to Ask

posted by Andrea | 01/11/2017 | 30 comments

Although I’m not nearly as frugal as I was 10 years ago, I still try to use our money wisely, get the best value, and save when it’s not too much of an inconvenience.

One of the ways I save quite a bit (without sacrificing much time, effort, or quality of product) is by simply asking the right questions to the right people.

Banish Unnecessary Guilt Once and For All

posted by Andrea | 12/20/2016 | 57 comments

Making assumptions without knowing all the facts has the potential to make us look like idiots… however, have you ever considered WE might be the ones who are negatively affected by falsely assuming our friends, family, neighbors, coworkers, and social media acquaintances are better or superior to us based on only half the story?

Today I’m sharing one fairly simple concept that could free you from lots of unnecessary guilt.

My Favorite Way to Shop and Save on Clothing

posted by Andrea | 11/30/2016 | 8 comments

Anyone who’s read my blog for any amount of time knows I’m a huge advocate for buying secondhand whenever possible — and if I can save a bunch buying secondhand online, I’m even happier yet!

Today I’m sharing one of my favorite ways to shop and save ONLINE with thredUP (and I have a great discount coupon for new customers too!)

One More Simple Way to Save

posted by Andrea | 11/21/2016 | 19 comments

A few years ago, I shared one of my simplest and best tips to save money on every purchase by taking 1 minute to quickly look over my receipt before I leave the store.

Today, I’m sharing another simple thing I do every time I buy anything… and I’m always amazed how much I save!

One Very Simple Tip to Increase Your Savings

posted by Andrea | 10/20/2016 | 19 comments

Today I’m sharing one of the simplest, most basic things Dave and I have done to continually grow our savings account with little to no effort or thought on our parts.

I am not a financial expert and have no formal training in this field; however, I’ve always been good at saving my money… and that counts for something. Right?!

How I Stop Money Leaks by Tracking Our Expenses

posted by Andrea | 10/14/2016 | 29 comments

Today I’m sharing a bit more about how using my finance-tracking workbook has helped me find “money leaks” in our budget — and then address them before they get out of control.

I’m certain we have saved thousands of dollars over the past several years… and it only takes me a few minutes a month!

10 Reasons We Love Our Library!

posted by Andrea | 10/13/2016 | 24 comments

Even though I’m not personally an avid reader, I spend a fair amount of time reading to my kids AND taking them to the library.

I realize that going to the library (especially with small children) can seem overwhelming if you’ve never done it before; however, I would encourage all of you (no matter your age) to visit your local library every once in awhile. Even if you aren’t a big reader like me, there are still so many free programs and resources you can take advantage of!

My New Favorite (Online) Dollar Store!

posted by Andrea | 10/6/2016 | 13 comments

With the holiday shopping season right around the corner, I thought it might be the perfect time to share another fabulous online shopping resource I’ve been using the past couple of months.

For those of you who hate shopping (like me) you’ll enjoy finding great deals at dollar store prices — all from the comfort of your own home!