I'm going to let you in on a secret. Every month, no matter how I much I cut back, on paper there is no way we should have enough money coming in to pay our bills. Yet, somehow, it always works. Then, whenever a big expense comes up, somehow we are always able to make it work. Or something happens to make that expense more manageable. I know that the "somehow" is God. There is no way any of this would work without His help. He is very much our provider. Trusting God isn't the easiest … [Read more...]
Do You Make More Working or Staying at Home?
It's the age old question for moms. At least since working outside the home has been more standard for women. Do you go back to work after having a baby? Do you make more working or staying home? There is no "one size fits all" answer to this question. To find this answer, you must ask yourself two questions. How much does it cost you to work? Yes, working costs you money. It isn't all about earning money. You will have travel expenses (even if this is just gas, bus fare, etc), clothing … [Read more...]
Saving Money on Pet Expenses
Pets. No matter if it's a dog, cat, bird, fish, or lizard, most families have them. The one thing all pets have in common is that they cost money to take care of and feed, some more than others. If you're already living on a tight budget, you might not be ready for a pet. If you already have a pet and live on a tight budget, you probably already try to find ways to save money. But have you ever thought about saving money on pet expenses? It is possible! Here are my favorite ways to save on pets. … [Read more...]
Saving On Your Power Bill with a Phone Call
Our electric bill is always higher in the winter. We heat with wood but the blower for the furnace (forced hot air) is run by electricity. Considering it is Maine, the heater runs almost constantly from October-March/April. Usually my April power bill is lower than previous few months as we aren't running the furnace constantly. So imagine my surprise when it was $50 higher than I expected. That was when I started doing some research. A few years ago Maine started allowing competing … [Read more...]
Using Rewards Programs
Most likely you are a member of at least one rewards program, whether it is a store specific one like Kmart's Shop Your Way Rewards or an online one like Swagbucks or Ebates. And like most of us, you probably forget that you have that card or that account so you have all these reward accounts sitting and doing nothing. Or you think that it isn't worth it, you won't earn much, so why bother? I used to be that way, but now I am a firm believer in using rewards programs when possible. I like them … [Read more...]
Living Well on a Tight Budget
It's well known that we live on a pretty tight budget. There are lots of things we don't do or purchase because we just plain don't have the money for them. However, that doesn't mean we never get to enjoy the good things or only get to buy low-quality items. Sure, there are times when we are frustrated by the things we can't afford to do or buy. Most of the time, however, we are able to live quite well. There are many different methods of living well on a tight budget. Here are just a few of … [Read more...]
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