It's no shock these days that prices are rising especially with grocery costs. There isn't a whole lot we can do about that unfortunately but there are a few practical tips that can help cut back on those costs.
A thirty-something gal from Pennsylvania who loves her chihuahuas and blogs about simplifying life, organizing your home, getting your finances in order.
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Check out my Finance posts!
Showing posts with label Finance. Show all posts
Tips to Save on Grocery Costs
Wednesday, July 1, 2026
Wednesday, April 29, 2026
Spring is here and it’s a good time not just spring clean your home but also your finances which means it’s time to take a look at your budget. Here’s some tips to spring clean that budget!
Tuesday, January 27, 2026
Hobbies are fun but they can be so expensive. And hobbies are supposed to be something you enjoy. So when you start to stress about a hobby's effects on your budget, where's the enjoyment? Here's how to save money on your hobbies.
Tuesday, November 25, 2025
The holidays are coming quickly and whether you're prepared or not - these tips on how to budget for the holidays can help you this year and years to come!
Wednesday, June 18, 2025
We are a society of people who rush from one thing to the next. That means we don't pause and consider our decisions before we make them. One of the major aspects of life where this happens is with purchasing things. Anytime you make a purchase you are spending money and also bringing something new into your life and home. It's important to stop and think if it's the best decision for your life. Here's how to do that.
Tuesday, April 29, 2025
We have a problem. We have too much stuff yet we still buy too many things and then we need to find ways to store all that stuff. Sometimes you have to buy a new thing to store the stuff. Sometimes you even buy a bigger house or a storage unit just to store all that stuff. And when we buy stuff, we aren't buying good quality stuff, so it breaks and it ends up in a landfill. Some of the stuff is so cheap we don't even pay attention to how it's made or where it comes from. Luckily, it's possible to adopt a lifestyle of consuming less simply by buying less and it's easier than you think.
Tuesday, February 25, 2025
There are so many moving parts to our personal finances that if you aren't organized or don't have a system in place for every aspect of it, you can become stressed out and it can obviously have financial consequences. I've put together some ways to streamline your finances once and for all so managing them isn't such an enormous undertaking.
Tuesday, January 14, 2025
Whether it means a refund or paying the government, tax time comes around every year at the same time and we all dread it. It always seems like a pain regardless of if you do taxes yourself or have someone else do them. But one thing that seems to be the biggest hassle is getting everything together and knowing when you have it all. I put together some tips on how to make taxes a breeze as much as possible.
Monday, January 6, 2025
Have you ever noticed that gifts you need to purchase for people always seem to sneak up on you over the course of a year? Sure we all know about Christmas but what about birthdays, baby showers, and everything in between. This is why planning for these expenses for the year, every year, is very helpful. Here's how to plan for them.
Wednesday, January 1, 2025
It's a new year and a new start for all the things you wanted to do last year but haven't done. For me, one of the things I've been working on in the last year was simplifying all aspects of my life once and for all. One of those aspects of course was my finances, specifically my expenses. Sometimes it felt like I was wasting money on things I wasn't utilizing. So I took a long hard look at all of my expenses and made some changes....
Wednesday, December 11, 2024
Pet expenses can be scary. I had a big bill before for Grace (rest her soul) and I was so unprepared that I had to crowd fund to afford it. By the way, I discuss it in an article with the Seattle Times! When I got Grace in 2007 it was before pet insurance was even really a thing. But also, when it did become a thing I did a lot of research and I learned it really wasn't for me.
Tuesday, December 3, 2024
Whether you choose to have cable or not, there are plenty of streaming services out there that exist that can either replace or supplement what you watch when it comes to shows and movies. However, I notice many people say they won't waste money on cable yet they will be subscribed to enough streaming services that they pay the same amount each month for those than they would for cable. Well, I have a little life hack that I use to save money on streaming services and today I'm sharing it with you.
Monday, March 18, 2024
When it comes to saving money, cutting back on expenses is such an important piece of that process. Today, I'm going to speak specifically about one expense that I know a lot of people have and probably don't budget for - books. The thing is I have a very very easy way to save money on books. And you can still enjoy books at no cost.
Wednesday, November 15, 2023
Oh the holidays....they can really throw you off your game with your finances, can't they. What's odd is that we have literally an entire year before the holidays come, yet we still seem SO unprepared. What gives? Well, a little organization would likely help that.
Wednesday, October 4, 2023
Looking for some fun things to do this Fall that won't break the bank? Look no further!
Wednesday, July 26, 2023
Summer is the best time to host a get together mostly because you can hang around outside so you don't need to clean your home from top to bottom inside. The problem is, if you don't plan even the smallest of get togethers correctly, you may end up spending more money than you needed to. Here are 8 simple tips to save money on summer entertaining when you're the host.
Monday, April 17, 2023
You may have seen others talking about a No Spend Month so today I'm going to explain to you what it is and how you can successfully commit to your own No Spend month.
Basically a No Spend Month is when you commit to only shopping for the essentials you need without any recreational or extra spending. This means your gas, groceries, medications, and anything else that's a basic essential need that you budget for each month. This also means no eating at restaurants, no shopping for clothing, no impulse buys, and no fun purchases.
So how exactly do you do this successfully? Well...read on.
Sunday, April 16, 2023
Gold is an attractive yellow precious metal that has long been coveted; it is the very foundation of global wealth with the world of commerce and trade built on gold reserves. Gold (Au) has unique properties and due to its rarity, gold is the number one commodity on the planet.
Here are a few reasons people acquire gold.
Gold Jewellery
Both men and women love to wear elegant gold jewellery; it is estimated that 25% of all gold found was used in the making of gold jewellery. Gold purity is measured in the karat system; the system uses 24 parts, pure gold is 24k, meaning that every part of the precious metal is 99.99% pure, while 18k consists of 18 parts gold and 6 parts of alloy metal. Gold jewellery has hallmarks to determine the purity and 24k gold is very soft and malleable, making it unsuitable for jewellery.
Gold Is A Form Of Investment
Many private investors acquire gold ingots and they go to reputable gold sellers Brisbane or other cities around the world; a quick online search would lead you to a leading reputable gold bullion dealer near you. Gold is relatively stable and is used by investors as a hedge against inflation. Bar sizes range from 10g to 1000g, and it’s best to take physical possession of any gold that you purchase. Most investors have some gold in their portfolio and when the economy tanks, that is a good time to move your wealth into gold bullion. You can use Google to research gold’s performance over the past 5 years and by forging an alliance with a reputable gold bullion dealer, you have access to the real-time gold markets.
Collecting Gold Coins
Many people merge their hobby with their investment portfolio and collect gold coins. Popular coins include the American Eagle, American Buffalo, Australian Kangaroo and the Canadian Maple Leaf. If you collect gold coins for a couple of decades, you would have an impressive collection that is highly valued.
Gold For A Marriage Dowry
This is very popular in Asian cultures when the groom would present the bride with gold, cash and possibly gemstones. The gold might be presented in the form of jewellery and in some cases, the wedding dowry is returned to the couple after the ceremony to assist them in setting up a home.
Manufacturing
Certain products contain small amounts of gold; computers, smartphones, tablets and TVs all have minute amounts of this precious metal. Scientific equipment often contains gold, due to its conduction properties and many digital connectors are made from gold. You might be wondering why copper is not used, which would be much cheaper, the reason is that gold can handle higher temperatures without losing conductivity.
The Perfect Gift
Who wouldn’t love to be given some gold on their birthday? Jewellery is an obvious choice, or it might be a luxury watch. What do you buy the woman who has everything? Gold jewellery is always a winner and there are online gold jewellery retailers where you can find something suitable. Giving gold is a wise thing to do, as you are giving an asset that can be liquidated easily.
In these uncertain times when markets are volatile, it makes sense to move some of your wealth into gold bullion to protect your estate. Start by searching online for a gold bullion dealer and make an appointment to visit their offices and acquire
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Monday, March 20, 2023
As a personal finance blogger, I often get asked the question of which is better; a joint account or separate accounts for couples. So today I’m going to look at the 3 options for this. I say 3 because another option is to do both (which is what my husband and I do). There are pros and cons to each and there are situations where each will be best. So if you’re debating on what to do with finances in your relationship, check this out.
Monday, March 6, 2023
There are times in life where we have no choice but to crack the heck down on ourselves and our spending. Maybe there’s an emergency going on and we need to come up with the money for it, maybe we need to get out of an immense amount of debt as fast as possible, and maybe it’s just when we know we’re out of control with bad habits and we HAVE to put a stop to it. I’d like to think I’m pretty good at doing this by now so I put together some of my strategies that work for me when I need to stop spending and start saving.