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Eight Ways to Avoid Frugal Burnout

Are you tired of pinching pennies?
Are you tired of beans and rice?
Are you tired of wondering when the debt will be paid off?
Are you tired of being frugal?
Frugal burnout is a real thing, folks!
Constantly watching your pennies and wondering when you can afford what you really need or want just gets to you after awhile. I know, for me, that I just get tired of it all. I get tired of checking my bank account constantly. I get tired of keeping track of my spending. I get tired of not being able to buy whatever I want. I get tired of saying no to my kids. You get the idea. 

Being that aware of your money all the time can wear a person out. Even though you should have an emergency fund, real life happens. Your car breaks down or an emergency room trip happens. It just makes you want to throw your hands up in the air and cry! 

You are trying so hard to get ahead! You are being as frugal as you can and life is still tough. This is where frugal burnout comes in. You get so tired of trying to be f…

Once A Month Shopping Challenge: Month 2 Update & Month 3 Beginning

Month 2 Update:

November started out with really great intentions. I was set up for the month with one grocery trip and two trips to other stores. I was hosting Thanksgiving and thought I knew how many people were coming. 

Then two days before Thanksgiving hit. We made a trip to the store when I figured I did not have enough food (I was wrong, of course). We had more people coming along with bad weather and I started to panic a wee bit about having enough food. So I went to the store and spent another $50 I should not have spent. 

If that was not bad enough, I went back the next day too! However, I am not sure I am counting that since it was Rob's food I was buying and being reimbursed for. He just couldn't make to the store after he got off work (he's a trucker).

I also made a trip to Dollar General. I had a $30 gift card that I had earned a while ago for trying a product and taking a survey. It wasn't a specific card to Dollar General, but could only be spent in certain …

Want an Easier Life? Commit to Becoming Debt Free Now!

Life is what you make of it. I want a life away from worry and stress. I want a life that I can control within reason. I can't do that when I am stressing out and worrying.

The single biggest thing that makes me worry and stress out? Debt.

Debt can rule your life. It can make you a slave to your money instead making your money work for you. It can cause your to lose sleep, become anxious, and generally be cranky towards those you love (and not love). Debt can be the factor that breaks up marriages, drives a wedge between family relationships, and can even cause medical issues due to stress and anxiety.

Who needs that?

I don't and you don't either. Do I know what I am talking about? Oh yes. I still struggle with it even today. I was doing well, but our medical bills exceeded what I had set aside in my emergency fund and savings. Ouch. I have insurance, but with deductibles and out of pocket expenses I got socked a bit. I still have a student loan that I was planning on getting …

10 Money Saving Tips for a Frugal Holidays!

Christmas time can just be a crazy time! So many people you want to give gifts to, so many things your kids want, and only so much money to spend in your wallet! What is a person suppose to do?
I am here to help you! I use these tips to help me save money at Christmas and still feel good about the holidays. These tips can help you too!
1. Set a budget! I set a budget for each kid of $75 each and try extremely hard to be under that. I don't have a budget for stockings, but I try to find item cheaply and that will take up some room!

2. Make some of the gifts yourself. Beware: some gifts cost more to make than to just buy. Be a thrifty present maker! Make sure it is a labor of love and not on your wallet.

3. Decide carefully who you are buying gifts for and who you are not. Despite the generosity of the season, not everyone needs a gift. A card stating your appreciation for all they do can be enough. A small plate of cookies is fine too. However, teachers can only get so many cups and pl…

Once A Month Shopping Challenge: Month 2 and November's Meal Plans

Here we are, Month 2 of the Once A Month Shopping Challenge!

I tried to be a little more prepared for this month. I have officially made my three planned stops as of yesterday. The first stop was to K-Mart to get:

2 bags of dog food
2 bags of cat food (grain-free for the cat with a sensitive stomach)
1 bag of cat litter
1 bottle of shampoo (for me)
1 bottle of shampoo/conditioner (for Dane)
2 bottles of conditioner (1 for me, 1 for Paige)
2 bottles of Vitamin C gummies (buy 1, get 1 free)

I cannot find the receipt right now, but I know I spent $76 with taxes and we saved $25 with coupons and discounts. Some things like cat litter have gone up a bit and that surprised me. 

The second stop was to Menards. I have this receipt! At Menards, I bought:

1 Plastic Window Kit to cover my inside windows
1 Plastic Door Kit to cover my back door until I get a new storm door
1 Garden Hand Shovel to replace the one the dog chewed up
2 different size drill bits because the ones I had were dull
1 set of sticky mouse…

The Once A Month Shopping Challenge: Month One Update

My first month's Once A Month Shopping Challenge will be done in just a few days. I will probably go grocery shopping a few days early due to how my budget works and when I get paid. However, I wanted to give you an update so you can see how it is going so far. 

The successes:

I feel like I have been freed from shopping. Really! We have found so many creative solutions to problems like Paige's Halloween costume. The kids have been on board with this challenge and they like it so far. They even went grocery shopping with me for the month. They thought about things I had forgotten to write down and what I had not fully planned out (cold lunches).

For the first three weeks, this challenge went smashingly. We are naturally frugal as a family so this challenge didn't hit us too bad. We had a lot in food storage and full freezers which helped greatly. We made a good dent in the upstairs freezer and hope to get more done there in the next month. 

We made bread like usual, brownies, m…

Want To Save Money? Learn To Live On Just Cash.

Money is necessary. It is not evil and it is not good, but it keeps gas in your car, heat in your home, and clothes on your back. Most people need to have money for one reason or another. We would all like to believe that we don't need money, but we would be lying to ourselves. 

However, money is not the problem. The way you use money can be a problem. 

Many people rely on credit cards, floating checks, and not paying bills to pay for groceries. I know all about these tricks because I have been guilty of doing all three at one time or another. Most people have done that or worse. 

In fact, my budget went bust in September due to a high rise in school expenses. I did not have that much money budgeted for school expenses (budgeted $100, actual cost $250). In addition to higher school cost in August (budgeted $125, actual $225). These were not my kids' faults and the expenses needed to be paid. High school is a little more expensive at this school. However, it didn't help my che…

Do You Want To Join The Once A Month Shopping Challenge?

Do you want to save money? Do you want to shop at the store less?

I know I do! I used to shop only once a month for groceries and I have fallen off the wagon. Sad, but true.

However, my friend Daisy at The Organic Prepper has issued a Once A Month Shopping Challenge! She is challenging fellow bloggers and readers to only shop once a month for the next six months with a little leeway for the holidays. Check her out here to see the rules and what she has planned! 

Yesterday was my grocery shopping day. I got paid on Tuesday, but was a little too busy (and lazy) to run to the store. I knew I would need some cheese, milk, meat, and produce to make through the month. 


I am going to tell you all some things up front so you will know where I am in my grocery shopping and food storage as well as what challenges we have:


1. I have a very full refrigerator right now. Some of the leftovers were ignored and need to be fed to the dog.

2. We are following a more unprocessed, low carb diet for my health. …

Is It A NEED or a WANT? What Should You Spend Your Money On?

One of the hard lessons in life that I had to learn was distinguishing between needs and wants. Sometimes I had a hard time knowing which was which. Sometimes, when I ignored that little voice in my head telling me I didn't need that item, I got myself in to some financial hot water. 

Lessons learned the hard way will stick with me the best!

As I mentioned in the 13 Ways To Save Money In The New Year post, I had to learn to commit to spending no money for anything not on the goals list, that was frivolous, or unnecessary. I had to understand that unless it was a need or on my goals list, I was not spending the money on any unnecessary purchases. 

I have my monthly goals and my homesteading goals. I have my goals built in my budget. I am also working hard at being debt free as well as getting my emergency cash fund back up to where it should be (my monthly income times three months). I also have a small blogging budget and goals that I use to pay for this site and buy materials to exp…

Pay Attention To Your Bills!

Something interesting happened to me yesterday. I got my utility bill for last month. The fun thing is that it went down!

Please let me back up and explain a few things. My whole house is electric. My bill will never be under $200 unless I put in solar panels or not live there for a month. For the last four years, I have been on budget billing which was working out for me.

Until October. The utility company decided to raise my budget for the third time in one year. From $361 to $396 to $476 a month. I thought the last raise was ridiculous and I was justifiably irked. I went online and looked at my last two years worth of bills. On my bill, they show the budgeted amount and the actual cost for the month. My bill had only reached $400 once. Last year when it got really, really cold in January/February.

I do budgets for customers where I work so I am familiar with how they are done. I did the math on my utility bill and could not come up with the amount they did of $476 for a month. Again, …