10 No Nonsense Ways to Save Money on Your Utility Bills

10 No Nonsense Ways to Save Money on Your Utility Bills

ByKori
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If you’re looking for every day ways to save money, because who isn’t looking to save money, one area of life to examine is your utility bills. Things like electricity, heat, and water can add up quickly if you’re not mindful of how you’re using them. And it’s more than likely that you’re already doing one or more of the things listed.   And if not, you can make these changes easily.   We know that recent changes with the pandemic have made utilities and all sorts of bills shoot up. There are so many ways that you can reduce your costs in the home but what you pay to electric companies can come down if you know how to reduce your electricity usage at…

Getting and Staying Out of Debt

Getting and Staying Out of Debt

ByKori
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As a college student, I’ve unfortunately accumulated a bit in student loans. I’ve tried to keep them to a minimum, but sometimes I just needed the extra to help pay for books or to cover whatever wasn’t covered by grants and scholarship money. I’ve also tried to keep my other spending habits in check and actually don’t have a credit card that isn’t attached to a debit card/bank account. Those are just two ways that I’m trying to avoid getting into debt, but how else can someone go about getting and staying out of debt? It’s one thing to get out of it, and it’s another to stay out of it. But, with both you’re hopefully setting yourself up for financial success. Debt can help…

5 Questions to Ask Yourself Before You Start a Budget

5 Questions to Ask Yourself Before You Start a Budget

ByKori
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We have talked about 8 steps to creating a family budget, but is a budget really necessary?  Sure, having a budget in place may help you manage your money smartly, but at the same time; it just might not be for you. Sometimes creating a budget will be the easy part, but actually sticking to that budget might be the struggle. Here are a few questions to ask before you start a budget. Sometimes, even with the best of intention, and even after creating what seems like the ideal budget; it just doesn’t work out. This could be for any number of reasons and if you fall into this category- don’t think of yourself as failing. You tried and that certainly should count for something….

Do you feel like you're consantly living paycheck to paycheck? Here's how to save money on the household essentials that your family needs.

How to Save Money on Household Essentials

ByKori
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Does it feel like, no matter how accurate you think your family budget is, that you just don’t have enough? Do you feel like you’re constantly living paycheck to paycheck? I understand how you feel. Though we do manage just fine and make ends meet, there were times that I just had to wonder how we were going to get through the month. Of course, the priority was making sure that the kids had enough to eat and that we had other household essentials taken care of. It’s a stressful way of life but one that many of us are used to. But what can we do about it? Sure, we can make a budget and then hope that everything works itself out. We could…

Wanting to coupon but overwhelmed with where to start? Here are a few tips from a disorgnized couponer.

Couponing Tips for the Disorganized Couponer

ByKori
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My life, at times, is what I like to call “organized chaos” … and by that I mean, sometimes I almost have it all together and other times I wonder how I’m making it all work. And no matter what, somehow it all seems to balance itself out. Still, I thrive with organization and it’s something that I’m working on over the course of this year. To take a little bit of the chaos out of my organized chaos and that extends to everything. I’ll admit, one of the reasons that I’ve shied away from couponing and using coupons regularly is because I’m not organized enough for it. The very thought of using a coupon binder makes me cringe. I mean, who has time for…

How to Adopt a Frugal Lifestyle in 2020

How to Adopt a Frugal Lifestyle in 2020

ByKori
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One resolution that many make at the start of a new year, is to save money. This may translate into simply setting aside a certain amount from each paycheck or may be as complex as developing a sophisticated budgeting system. Or, it may involve a series of lifestyle changes. So how just how difficult is to be frugal? And is there a simple formula for adopting a frugal lifestyle? While some may argue that it’s complicated and that they’ve already tried; being frugal is more than just saving money. Being frugal, to me, means being resourceful and taking on a new mindset towards money. Just How Difficult is it to be Frugal? You might really want to save money and be frugal, but just can’t…