Living Richly on a Budget http://www.livingrichlyonabudget.com Tue, 18 Aug 2015 13:41:07 +0000 en-US hourly 1 http://wordpress.org/?v=4.2.4 How Being Frugal Makes You More Happy http://www.livingrichlyonabudget.com/how-being-frugal-makes-you-more-happy http://www.livingrichlyonabudget.com/how-being-frugal-makes-you-more-happy#comments Mon, 17 Aug 2015 01:50:12 +0000 http://www.livingrichlyonabudget.com/?p=16579 I came across this phrase while I was reading another blog, The Frugalwoods. Frugality breeds gratitude. And I paused and thought about how that is so true! In my 20’s, my husband (my then boyfriend) and I were more carefree with money. We weren’t struggling with money and didn’t have financial goals. So we went […] Read more...

The post How Being Frugal Makes You More Happy appeared first on Living Richly on a Budget.

]]>




I came across this phrase while I was reading another blog, The Frugalwoods.

Frugality breeds gratitude.

And I paused and thought about how that is so true!

In my 20’s, my husband (my then boyfriend) and I were more carefree with money. We weren’t struggling with money and didn’t have financial goals.

So we went out to eat a lot… almost every meal!

And because we ate out a lot, it was the norm. Because it was the norm, we didn’t appreciate it as much. Rather, we got tired of eating at the same places.

How being frugal makes you more happy

Fast forward more than 10 years later, we’re married and we don’t eat out as often. Instead, we cook more at home because we have a family, want to eat healthy, and save money.

Now when we do eat out, I appreciate it a lot more. I even savor going to our favorite fast food burger place, In n Out.

The thing is, if we treat ourselves all the time, it will no longer be a treat but will become the norm. Things will become expected rather than enjoyed.

Last month, a sweet friend wrote me a card, congratulating me on completing my latest book, Budgeting Made Easy. And she tucked in a gift card to my favorite coffee place (not Starbucks!).

She said I could use it whenever I wanted to get away and relax. How thoughtful!

I was so surprised and floored by the kind gesture that I began to well up with tears. My daughter asked me why I was crying and I had to explain that it was because I was happy.

It’s not every day that someone acknowledges your accomplishment with a handwritten note and a special gift. It wasn’t even my birthday, Mother’s Day, or Christmas.

Being an entrepreneur is hard and it’s confusing sometimes. So to receive a note and a gift was quite validating.

If you practice frugality, you’ll appreciate little things a lot more. And you’ll need less to be happy.

 

The post How Being Frugal Makes You More Happy appeared first on Living Richly on a Budget.

]]>
http://www.livingrichlyonabudget.com/how-being-frugal-makes-you-more-happy/feed 0
How NOT to Get into Financial Trouble in College – 7 Money Traps to Avoid http://www.livingrichlyonabudget.com/get-financial-trouble-college http://www.livingrichlyonabudget.com/get-financial-trouble-college#comments Mon, 10 Aug 2015 12:00:03 +0000 http://www.livingrichlyonabudget.com/?p=15100 For college students, it’s the first time you’re going to be away from the umbrella of your parents. It’s the first time, you’ll be offered a T-shirt or some other cheap “gift” to open your first credit card. It’s the first time you join a fraternity or sorority to build lifelong friendships. But do you […] Read more...

The post How NOT to Get into Financial Trouble in College – 7 Money Traps to Avoid appeared first on Living Richly on a Budget.

]]>
For college students, it’s the first time you’re going to be away from the umbrella of your parents. It’s the first time, you’ll be offered a T-shirt or some other cheap “gift” to open your first credit card.

It’s the first time you join a fraternity or sorority to build lifelong friendships. But do you know all the costs involved?

What you do now will affect your financial future later. As corny as it sounds, it’s true.

You might think that you’ll find a great paying job right after college and be able to pay off things. Sometimes that does happen. Most times, especially in this tough economic time, it may be years before you find a well paying full-time job. And you might not even like that job!

Are you going to fall into a money trap and start going into debt or will you be prepared?

 

7 Money Traps to Avoid

1. Credit Cards

Many, many years ago, when I was in college, I came across a booth outside of the student union, that was giving away a free T-shirt. I passed this booth several time a day.

And I wanted a free T-shirt. I mean who doesn’t love free T-shirts, even if they don’t fit or you would never wear them. So I did it. I signed up for my first credit card there.

In my mind, I wanted to start a credit history, be responsible, and feel like an adult. I was able to pay off my balance every month because I had a part-time job and it was ingrained in me since I was a child to manage my money carefully.

Unfortunately, this is where lots of people get into trouble. They get their first credit card and spend, spend, spend. And they never look at the statements or keep track of the due dates. Or they don’t have enough money to pay it off in full, which incurs finance charges.

Then they’re screwed, for years. Don’t let this happen to you (or your kid who’s going to college). When you get a credit card, know that it’s not free money. It’s responsibility.

You have to pay in full every month or you lose your 30 day grace period. And once you lose it, it’s very hard to get it back.

Lesson: When you open a credit card, make sure you have a job or income to pay for your purchases. Otherwise, don’t do it!

2. Student Loans

My parents didn’t save up money for me to go to college but luckily, I went to a state university, which was fairly affordable back then. I did have to take out a loan to pay for some of my tuition and books.

I borrowed the least amount that I could get by on. They offer you a lot more though. One of my friends, borrowed more to have extra money. When she graduated, she owed twice the amount that I did.

Even though I didn’t borrow that much, it was still overwhelming to receive loan repayment letters after I graduated. And, it was hard for me to find a full-time job right away.

Even at that amount, I didn’t think I could pay it off in the near future. Finally, I was able to pay it off with part of an inheritance. The enormous burden of owing thousands of dollars was lifted. I know most people owe more than I did but still, it was a heavy burden to carry.

Lesson: Borrow only what you need.

3. Textbooks

When I was in college, the Internet just started becoming popular. I mean I’m talking about getting my first e-mail account at school and dial-up modems. What?

E-mails were in DOS format. And I had to enter command scripts to log into my e-mail.

I had to buy used textbooks from the school bookstore. They were expensive! One friend photocopied all the pages of our textbook so others didn’t have to buy it!

Now you can rent textbooks instead of buying! Check out:

Amazon.com

textbooksrental.com

Lesson: Rent your textbooks.

4. Housing

Since I went to college closeby, it was literally across the street from my high school, I lived at home, rent-free. I didn’t even own a car as I took the bus to school and sometimes biked there for exercise. Hey, I lost so much weight doing that!

According to U.S. News, the average cost of room and board is $15,000! Wow! If you’re in high school, looking at colleges, think about this when you’re choosing a school.

If you live off campus, share a house to split rent. The more people, the lower your rent will be.

I know it’s not an option for many or you might not want to do it, but going to a nearby school and living at home will save the most amount of money. I still loved my college experience and met many wonderful people who are still my friends, while I still lived at home.

Lesson: Save on housing expenses by going to a local college and living at home.

5. Eating and Hanging Out

In college, there are endless opportunities to hang out with new friends. There’s also endless opportunities to spend a lot of money, especially on food and entertainment.

If you share a house or apt, one thing you should do in college is to learn how to cook! It will save you so much money to cook on your own vs. going out. Invite friends to come over instead of going out. Or at least have an eating out budget set. Stuff like this adds up quickly.

If you live in a dorm then you have the meal plan. Stick to the meal plan and limit eating out.

Lesson: Learn how to cook for yourself. You’re an adult now!

6. Drinking

Drinks cost an average of $5 – $20 depending on whether you’re at a bar, restaurant, or club.

I wasn’t much of a drinker in college and I’m still not, which is great because I save a lot of money that way! Not only will it save you money but you will be in control at all times. And that’s important especially if you’re a female.

If you do plan to drink, be responsible. Designate a sober driver and a trusted friend to watch over you if you get drunk.

Lesson: Don’t drink or at least know your limits.

7. Fraternities and Sororities

Part of the college experience is joining a fraternity or sorority. I wasn’t part of one but my best friend was.

When you join, you probably don’t think of the cost of formals, clothes, gifts, and events. Some people spend thousands of dollars. Check out a breakdown at Budgetsaresexy.com.

Lesson: Know the real cost before joining a fraternity or sorority.

What to Do:

1. Get a part-time job.

First things first. If your parents are paying for college, great! But don’t take advantage of them. Now is the time to start an employment history and get real life work experience. It’s even better if you can get a job working in your field.

If you don’t think you have time, then think like this. If you have time to be on Facebook, Twitter, or Instagram, you have time to work at a part-time job.

budget worksheet

2. Start a budget.

You need a budget. End of story. If you want to be rich someday, you need to budget.

Budgets help create financial freedom. Budgets help you stay on target and reach your goals.

Start by calculating monthly expenses and things that come a few times a year, like car insurance. You can get started quickly and painlessly with this Monthly Budget Planner, which is part of my Money Management Kit.

 

Once you see what’s happening for a few months, you can project what you will spend in future months. When you can plan, then you can starting creating your financial future.

It lists expenses that most people have. There’s also an option to customize your budget.

3. Track expenses.

Tracking expenses is an important part of budgeting. It can be as simple as jotting down daily expenses in a log or a Daily Expense Tracker.

Or save all your receipts and do it once a month. I think this is harder to do and overwhelming.

4. Keep expenses low.

After you start a budget and track expenses, you will start to see where you’re wasting money.

Learn to be frugal. Learn how not to spend money and instead save money.

Again, be mindful that how much you spend in college has a lot to do with your financial freedom after college. Get into debt now and you’ll be in debt after you graduate.

Rack up student loans and credit card debt now and pay for it later – 10 or 20 years later!

5. Start investing NOW.

The one thing I wished someone told me when I was in college was to start investing. Hello! Time is on your side.

Want to be rich one day? Invest your money.

Everything that you invest now, even a few hundred dollars to thousands of dollars, will grow in your favor. That means you can invest less money than a person 10 – 20 years older than you and still have more money than them when you retire.

 

The post How NOT to Get into Financial Trouble in College – 7 Money Traps to Avoid appeared first on Living Richly on a Budget.

]]>
http://www.livingrichlyonabudget.com/get-financial-trouble-college/feed 0
5 Life Lessons I Learned from UFC Champion Ronda Rousey http://www.livingrichlyonabudget.com/5-life-lessons-i-learned-from-ronda-rousey http://www.livingrichlyonabudget.com/5-life-lessons-i-learned-from-ronda-rousey#comments Tue, 04 Aug 2015 22:13:30 +0000 http://www.livingrichlyonabudget.com/?p=16283 I’m a huge UFC fan. And I LOVE the current champion female fighter, Ronda Rousey! If you watch her fights, you know that she is disciplined and super focused when she fights. During her last fight over the weekend, she knocked out her opponent in 34 seconds! And the last 2 fights before that, she won in about […] Read more...

The post 5 Life Lessons I Learned from UFC Champion Ronda Rousey appeared first on Living Richly on a Budget.

]]>
I’m a huge UFC fan.

And I LOVE the current champion female fighter, Ronda Rousey!

If you watch her fights, you know that she is disciplined and super focused when she fights.

During her last fight over the weekend, she knocked out her opponent in 34 seconds! And the last 2 fights before that, she won in about 14 seconds!

That is a monumental accomplishment. Many male fighters go 5 rounds and never get a knock out or submission to finish their opponent.

Ronda is also undefeated, meaning she hasn’t lost any UFC fights!

What is remarkable about her is that she is the first female fighter in UFC history, to reach superstar status. She is the first female fighter to headline a UFC event! Wow!

Her fights sell tickets.

Before, only guys headlined the UFC fights. Then UFC added women as the co-main event, meaning they were the secondary event next to the guy’s main fight.

One time, a male fighter had to drop out of main event, at the last minute, and Ronda Rousey’s fight got elevated to the main event and people loved it!

During the last fight, her opponent, Bethe Correia, made some callous remarks about her family, remarks that go beyond the usual pre-fight trash talk. I won’t repeat what was said because it was heartless and ruthless.

Those comments hit Ronda hard. So she vowed to punish her opponent and beat her at her game.

During the weigh-ins, the day before the fight, as Ronda was posed in a fighting stance, face to face with Bethe for obligatory photos, Bethe was basically yelling in her face.

When reporters asked Ronda what Bethe said, Ronda responded that she didn’t know because she wasn’t listening! Ronda said she was thinking of what she was going to do in the ring to Bethe!!! LOL.

She wasn’t even thinking about what she should say back because it didn’t matter. What matters is what she does in the ring, which is to win!

During the fight, Ronda knocked out Bethe in 34 seconds. Usually, Ronda ends her fight with her famous armbar, a submission technique which forces your opponent to tap out or give up.

Ronda is so hyper focused and I love it! She has inspired me to be more focused.

1. Put the blinders on.

When Ronda trains, she puts the blinders on, ignores everything else, and focuses on training to be the best. When you set out to accomplish something, whether it’s a job promotion, starting your own business, or getting out of debt, stay laser focused.

Don’t pay too much attention to what others are doing or saying. Instead, focus on your progress and stay focused on your goal.

When I wrote my first ebook, Eating Organic on a Budget, I had my goal posted on the wall next to my desk, so I could see it every day. I broke those goals down to actionable steps. Each day, when I sat at my desk, I knew exactly what had to be done.

After 3 months of writing, I completed a book! And it’s still selling on Amazon.

I decided that I want to keep writing books for Amazon. That’s my next goal, a new book.

2. Focus on what will get you the most results.

There’s so much noise out there now for entrepreneurs or anyone trying to earn money online. The thing to remember is to focus on what will get YOU the most results for your effort.

What it takes is keen observation. Take a step back and study what is working and what isn’t. Don’t compare yourself to what others are doing because you are not them.

You can use this to think about whether couponing is worth your time. Is 30 minutes of searching for coupons worth saving $2? Is spending $40 for subscribing to the Sunday paper for 6 weeks worth it, when you only saved $10 using the coupon inserts?

3. Learn to adapt to different obstacles and challenges.

Everybody, I mean everybody, has an obstacle or challenge they are facing. And celebrities aren’t immune either. Look at the high rate of divorce among celebrities who seem to have it all! (eg. Gwen Stefani and Gavin Rossdale)

You may be dealing with chronic health issues, financial difficulties, loss of a loved one, relationship issues, etc. It is hard. But know that whatever it is, you’ll get through it and you’re not the only one.

I was at my lowest point when I developed severe food allergies suddenly. I didn’t know if I’d ever be able to eat and enjoy my favorite foods again or go out to a restaurant.

I was depressed because I was limited to eating certain foods. When I was invited to a family gathering at a restaurant, I didn’t look forward to it and felt left out because I had to bring my own food. I was scared of eating food prepared by someone else because of the chance of cross contamination and my allergic reaction was life threatening.

Thankfully, I got through it when I found the right holistic doctor and did acupuncture. I am now free of food allergies and my daughter is starting to get better as well!

The key is to keep telling yourself that you will find the right solution.

Be willing to try different things and be open to new solutions. The worst thing you can do is to keep doing what you were doing before, if it didn’t work.

If you’re dealing with lack of money, then figure out what you can do to earn more money. Nowadays, there are so many ways to earn money online and without a job.

If you have a disability or are unable to hold a regular job, you can still earn money doing other things. What are you good at? What are you an expert at?

People earn money making helpful YouTube videos and posting consistently. Others do podcasts, coaching, teach online courses, or write ebooks. These things aren’t easy but if you keep at it, you’ll find your success.

The world is your playground. Go and make something happen!

4. Work hard but balance your life with fun things to avoid burnout.

Ronda is at the height of her career. She recently came out with an autobiography “My Fight, Your Fight.” And she does cameos in movies to keep things fun.

Take time for yourself. Whether you work 80 hours a week or stay at home with the kids, you deserve time for yourself to do fun things.

5. Adopt a winner’s mentality.

What you say to yourself in your head, matters more than you think. What you tell yourself, matters.

When you play a broken record in your head, that you’re a failure, you’re not good at anything, then that’s what will happen.

What if you told yourself that you will be a successful entrepreneur one day or that you’ll be CEO of your company? When you tell yourself things, you start to believe them. Then things happen for you.

When I had food allergies, I told myself that I would get better someday. One day I would be able to eat anything without an allergic reaction. And through a series of events, I found the right doctor and the right solution so I know that having the right mind set works.

The post 5 Life Lessons I Learned from UFC Champion Ronda Rousey appeared first on Living Richly on a Budget.

]]>
http://www.livingrichlyonabudget.com/5-life-lessons-i-learned-from-ronda-rousey/feed 0
The #1 Tip That Will Save You Money on Groceries without Couponing http://www.livingrichlyonabudget.com/the-1-tip-to-save-money-on-groceries-without-couponing http://www.livingrichlyonabudget.com/the-1-tip-to-save-money-on-groceries-without-couponing#comments Fri, 31 Jul 2015 19:38:38 +0000 http://www.livingrichlyonabudget.com/?p=16275 The top question I get asked is “How do I save on groceries? Do I have to learn how to coupon or stockpile? But I don’t eat a lot of processed foods.” Well, I don’t either! I don’t think couponing is the answer for everyone. If you’re on a special diet and have food and chemical […] Read more...

The post The #1 Tip That Will Save You Money on Groceries without Couponing appeared first on Living Richly on a Budget.

]]>
The top question I get asked is “How do I save on groceries?

Do I have to learn how to coupon or stockpile? But I don’t eat a lot of processed foods.”

Well, I don’t either!

I don’t think couponing is the answer for everyone.

If you’re on a special diet and have food and chemical allergies, then couponing may not work for you. So stop feeling guilty about not knowing how to coupon!

I grew up in a frugal family. My parents never couponed and yet didn’t spend a lot on groceries.

They cooked every day with fresh ingredients. And we only ate out during special occasions.

 

We lived close to the grocery store so my dad would make frequent trips. And that kept the bill low because he only bought what we needed and nothing more.

So what did I learn from my dad about saving money on groceries?

#1 Tip That Will Save You Money on Groceries Without Couponing

The one tip that helped me stick to my grocery budget is to buy only what you need to get through the week. Buy what you need and that’s it!

This sounds simple but it’s hard to put into action, especially when you see a 10 for $10 deal. Open the store flyer and walk into the grocery store with sale signs everywhere.

Sometimes it gets confusing and overwhelming.

That’s why I find it easier to shop at Trader Joe’s, where the price is always the same. Every item has an exact price so there’s no guessing about how much a bag of apples will cost.

And I love the predictability. It’s easier to plan how much I will spend and stay on target.

We’ve been so conditioned to stock up and stock up. But what happens is that we don’t eat up the food before it spoils. That makes stocking up a waste of money.

Notes; I also want to add that there is trial and error to this. I live within 5 minutes of several grocery stores so I can always go back if I need something.

If you live far away from grocery stores, then by all means, you’re going have to stock up so you don’t have to drive all the way back!

How are you saving money when you’re always throwing food away? That doesn’t make any sense, does it?

So sit down and think about it. Are you wasting a lot of food? Is your pantry full of food you don’t eat or do you have lots of products you don’t use?

 

 

The post The #1 Tip That Will Save You Money on Groceries without Couponing appeared first on Living Richly on a Budget.

]]>
http://www.livingrichlyonabudget.com/the-1-tip-to-save-money-on-groceries-without-couponing/feed 4
Gluten-Free Brioche Recipe http://www.livingrichlyonabudget.com/gluten-free-brioche-recipe http://www.livingrichlyonabudget.com/gluten-free-brioche-recipe#comments Tue, 21 Jul 2015 16:02:28 +0000 http://www.livingrichlyonabudget.com/?p=11549 This week, I decided to be adventurous and make gluten-free bread for the first time. I’ve been inkling to try out Nicole Hunn’s recipe for gluten-free brioche from her book, Gluten-Free on a Shoestring. Somehow, I never seemed to have all of the ingredients on hand when I wanted to make it. Weeks passed and […] Read more...

The post Gluten-Free Brioche Recipe appeared first on Living Richly on a Budget.

]]>
This week, I decided to be adventurous and make gluten-free bread for the first time.

I’ve been inkling to try out Nicole Hunn’s recipe for gluten-free brioche from her book, Gluten-Free on a Shoestring.

Somehow, I never seemed to have all of the ingredients on hand when I wanted to make it.

Weeks passed and I was either short of extra large eggs, lemon, or gluten-free all purpose flour.

Finally, this week, all the stars aligned and I had all of the ingredients to make this gluten-free brioche bread and a slot of time to devote to making it.

I didn’t have a stand mixer so I improvised with my hand mixer, which turned out to be a bad idea!

gluten free brioche recipe

Because bread dough is so stiff, it burned up the motor on the hand mixer. The dough ended pushing up into the threads of the blade, making it hard to clean out. Now, I am looking into getting a stand mixer.

This recipe requires waiting for the dough to rise, something I’ve never done before. The recipe book says it take 30 – 45 minutes, but for me, this process took over 2 hours!

As I said, this is my first time making this so it was a learning process. After an hour of waiting for the dough to rise and the dough not budging even an inch, I Googled how to make dough rise faster.

First, I made the mistake of not covering the dough, which keeps it warm and moist. And I placed it on top of the preheating oven. After doing these 2 things, the dough finally rose past the lip of the pan. Success!

The inviting smell of fresh, baked brioche bread out of the oven was worth all this effort. Gluten-free brioche bread is hard to find in stores so I had to make my own.

Slightly sweet, eggy, and slightly dense. I used Gluten Free Pantry’s all purpose flour because it has no brown rice, which I’m avoiding.

Upon her first bite, a big smile grew across my almost 2 year old daughter’s face. Yes, it’s that good!

gluten free brioche bread

View the recipe for Gluten-Free Brioche Bread here.

From Nicole Hunn’s Gluten-Free on a Shoestring

 

photo (64)

Gluten-Free Brioche Bread turned in French Toast

The post Gluten-Free Brioche Recipe appeared first on Living Richly on a Budget.

]]>
http://www.livingrichlyonabudget.com/gluten-free-brioche-recipe/feed 1
How to Get Rid of Credit Card Debt Fast http://www.livingrichlyonabudget.com/how-to-get-rid-of-credit-card-debt-fast http://www.livingrichlyonabudget.com/how-to-get-rid-of-credit-card-debt-fast#comments Sat, 18 Jul 2015 22:05:34 +0000 http://www.livingrichlyonabudget.com/?p=16260 When you have credit card debt, it’s tough to see the light at the end of the tunnel. It seems like you’ll never be debt free, that it’s a hopeless cause. The truth is, anyone can get into credit card debt. It can happen when you lose a job, experience a drop in income, divorce, […] Read more...

The post How to Get Rid of Credit Card Debt Fast appeared first on Living Richly on a Budget.

]]>
When you have credit card debt, it’s tough to see the light at the end of the tunnel.

It seems like you’ll never be debt free, that it’s a hopeless cause.

The truth is, anyone can get into credit card debt.

It can happen when you lose a job, experience a drop in income, divorce, etc. And sometimes it’s not even your fault.

We live in a society that is obsessed with consumerism. What should I buy next?

But honestly, the questions should be:

What do I truly need?

Can I do without it?

How can I spend the least possible amount of money but still get my needs met?

In order to get ahead and make traction towards paying off debt, you have to change some spending habits.

How I got into credit card debt and what I did about it

Here’s are the tips for paying off a credit card.

1. Change your mindset.

If you feel like debt is the worst thing in the world, you’ll have to change that statement. Tell yourself it isn’t the worst thing in the world, because it isn’t. You will pay it off one day by making a plan.

You won’t be able to think clearly if you’re stressed out about everything. So take a deep breath, take care of yourself, and move forward.

You can do it! I know you can.

2. Stop using the credit card.

This step is the hardest and most challenging because it’s about changing an ingrained habit. But in order to make a change, you have to break this habit and switch to using cash, check, or a debit card.

It’s extremely hard, I know. And the first month is the hardest. But making this switch to using cash will mean you won’t go further into debt.

3. Cut expenses.

Everyone knows this. Cut expenses where you can. Figure out what expenses you can live without or at least cut down.

Is it the daily mocha from the coffee shop, cable TV, or deal shopping? This is another habit that is hard to break but will be worth it.

My husband and I cut down our cell phone bill by $100 and switched to Androids (we’re really iPhone people!). And we reduced our cable bill along with other expenses.

4. Increase income or sell stuff.

The thing is, a little goes a long way. What I mean is that even an extra $50 or $100 a month can make a dent towards paying off debt.

If you have a windfall, like tax refund or a work bonus, use this to pay off your debt faster.

5. Pay more than the minimum amount.

Focus on one debt at a time. For my credit card, I paid off more than the minimum amount, using the money I earned from blogging and digital products.

The extra $50, $100, and sometimes $200 I paid towards my debt, made a dent towards eliminating it.

Want a step-by-step guide on creating a budget, paying off debt, and setting financial goals? Check out my new ebook, Budgeting Made Easy.

The post How to Get Rid of Credit Card Debt Fast appeared first on Living Richly on a Budget.

]]>
http://www.livingrichlyonabudget.com/how-to-get-rid-of-credit-card-debt-fast/feed 0
Summer Dollar Movies for Kids http://www.livingrichlyonabudget.com/summer-dollar-movies-for-kids http://www.livingrichlyonabudget.com/summer-dollar-movies-for-kids#comments Thu, 09 Jul 2015 21:59:15 +0000 http://www.livingrichlyonabudget.com/?p=16227 What to do with the kids this summer? Check out the $1 summer movies for kids. Regal and Cinemark theaters are offering kids movies for $1 on Tuesdays and Thursdays at 10am, through the summer. There are 5 more weeks of this movie deal left so it’s not too late. I can’t wait to take […] Read more...

The post Summer Dollar Movies for Kids appeared first on Living Richly on a Budget.

]]>
What to do with the kids this summer?

Check out the $1 summer movies for kids.

Regal and Cinemark theaters are offering kids movies for $1 on Tuesdays and Thursdays at 10am, through the summer.

There are 5 more weeks of this movie deal left so it’s not too late.

Summer dollar movies for kids

Photo by allisonmseward12 via Flickr

I can’t wait to take my daughter to her first ever movie in a theater!

Check out the theater websites for more details:

The post Summer Dollar Movies for Kids appeared first on Living Richly on a Budget.

]]>
http://www.livingrichlyonabudget.com/summer-dollar-movies-for-kids/feed 2
Do This One Thing Now to Never Pay Late Fees Again http://www.livingrichlyonabudget.com/never-pay-late-fees http://www.livingrichlyonabudget.com/never-pay-late-fees#comments Wed, 08 Jul 2015 21:07:30 +0000 http://www.livingrichlyonabudget.com/?p=15343 You’ve paid late fees more than once this past year. Ahem! You could have gone out to dinner or gotten a nice top from Thredup instead! Bills have a habit of sneaking up on you, even though the same ones come every month. What’s up with that? You don’t have a good way of tracking those bills that […] Read more...

The post Do This One Thing Now to Never Pay Late Fees Again appeared first on Living Richly on a Budget.

]]>
You’ve paid late fees more than once this past year.

Ahem! You could have gone out to dinner or gotten a nice top from Thredup instead!

Bills have a habit of sneaking up on you, even though the same ones come every month. What’s up with that?

You don’t have a good way of tracking those bills that happen a few times a year.

You run out of money and don’t have enough to pay the bills, even though you know you make enough money.

What do financial gurus know that you don’t? It’s simple, track your bills in one place.

Whether you do this on Excel, a sheet of paper, or using my Bill Pay Checklist (pictured below) from my new book, Budgeting Made Easy. It doesn’t matter what you use, as long as you do it.

bill pay checklist

1. List all of your bills.

2. Organize them by due date.

3. Create columns for each month to check off when you’ve paid that bill.

4. Create a separate sheet or section for bills that are due a few times a year, like car insurance.

5. Place this bill tracker where you can see it every day and near your checkbook.

6. Mark which bills are on autopay. Even with autopay, you still have to track and make sure the payment was completed.

7. When payday arrives, refer to the bill tracker to see which bills will come before the next pay period. Allot enough money to pay those bills. Put this money into a separate bill paying account, if you want to make it even easier.

8. Put these bills into your monthly calendar.

9. Communicate with your significant other (or anyone you’re splitting the bills with) about the upcoming bills.

Want a step-by-step guide on creating a budget that you’ll stick with? Check out my new book, Budgeting Made Easy:7 Steps to Shape Your Budget with a Money Management Toolkit.

The post Do This One Thing Now to Never Pay Late Fees Again appeared first on Living Richly on a Budget.

]]>
http://www.livingrichlyonabudget.com/never-pay-late-fees/feed 5
Budgeting Made Easy is Here… with a 3 Day Sale!!! http://www.livingrichlyonabudget.com/budgeting-made-easy-book-is-here-with-a-3-day-sale http://www.livingrichlyonabudget.com/budgeting-made-easy-book-is-here-with-a-3-day-sale#comments Tue, 07 Jul 2015 18:36:12 +0000 http://www.livingrichlyonabudget.com/?p=16202 After months of writing, stress, and anticipation, I’ve finally finished something that I hope will help you with budgeting. I must be nervous because last night, I had one of those dreams where I was cramming for a test. And I haven’t been in school in 20 years! I’m super excited to share the news that my third […] Read more...

The post Budgeting Made Easy is Here… with a 3 Day Sale!!! appeared first on Living Richly on a Budget.

]]>
After months of writing, stress, and anticipation, I’ve finally finished something that I hope will help you with budgeting.

I must be nervous because last night, I had one of those dreams where I was cramming for a test.

And I haven’t been in school in 20 years!

I’m super excited to share the news that my third book is here! Yay!

Budgeting Made Easy book

Budgeting Made Easy

Budgeting Made Easy: 7 Steps to Shape Your Budget with a Money Management Toolkit is a 53-page step-by-step ebook with 17 printable worksheets.

Who this is for:

  • You feel disorganized about your finances.
  • You pay bills late or lose them.
  • You don’t have a budget and want a step-by-step guide.
  • You have debt and need a plan to pay it back.
  • You like writing things down on paper.
  • You like cute printables!

budgeting made easy inside

It is designed to help you:

  • create a budget
  • organize bills
  • pay off debt strategically
  • set financial goals

3 Day Sale!

Get Budgeting Made Easy for just $20, that’s 25% off the regular price! The price will go back to $27 on Friday, July 10, 2015.

Don’t miss out!

Click here to get it for $20

The post Budgeting Made Easy is Here… with a 3 Day Sale!!! appeared first on Living Richly on a Budget.

]]>
http://www.livingrichlyonabudget.com/budgeting-made-easy-book-is-here-with-a-3-day-sale/feed 0
The Real Secret to Living Richly on a Budget http://www.livingrichlyonabudget.com/the-real-secret-to-living-richly-on-a-budget http://www.livingrichlyonabudget.com/the-real-secret-to-living-richly-on-a-budget#comments Fri, 03 Jul 2015 17:30:30 +0000 http://www.livingrichlyonabudget.com/?p=16113 Since 2009, I’ve been searching for the secret to living richly on a budget. Hence, the blog name “Living Richly on a Budget.” And just like the search for the fountain of youth, it eluded me. I knew there were times when I was happy, truly happy even on a budget, but I simply couldn’t […] Read more...

The post The Real Secret to Living Richly on a Budget appeared first on Living Richly on a Budget.

]]>
Since 2009, I’ve been searching for the secret to living richly on a budget.

Hence, the blog name “Living Richly on a Budget.”

And just like the search for the fountain of youth, it eluded me.

I knew there were times when I was happy, truly happy even on a budget, but I simply couldn’t pinpoint what it was.

After writing my third book Budget Made Easy, I’m happy to report that I’ve finally figured it out. And no, I won’t be cruel and make you buy the book (which is coming out next week) to find out.

At first, I thought it was being happy with yourself and being thankful for what you have, no matter how little (or a lot). That is part of it.

But the second part, the secret, is… focusing your budget to reflect your personal values. By personal values, I mean, what makes you truly happy.

secret to living richly on a budget

So think about it. What truly makes you happy?

Is it visiting new places and traveling to Europe or Asia? Is it watching the newest episode of Game of Thrones? Is it something as simple as enjoying your favorite mocha from Starbucks every day?

What I’m saying is, it’s OK to indulge in what you truly enjoy, as long as you focus your budget that way. That means you’ll cut in other areas to put more money into the things you truly enjoy.

For me, I don’t care as much about cable TV or my iPhone. OK, I do miss my iPhone a teeny bit. =(

We lowered our cable bill to basic cable in order to watch live sports. We also switched cell phone carriers and gave up our iPhones for Androids.

What my husband and I truly enjoy is eating really good food. And that means splurging on food truck food once a month or every other month.

Alright, the cat’s out of the bag now. I’m one of the few personal finance bloggers who will openly admit that I enjoy eating out. There, I said it.

I cook a lot at home to save money but I love eating out!. It inspires my creativity and fills that part of my soul.

In The Rock’s (aka Dwayne Johnson) autobiography (yes I read his book!) he and his then wife were on a super tight budget when they were newlyweds. But they splurged on going to the movies every Friday night.

It’s OK to splurge on what you really like as long as it fits in your budget. So do what you can to cut expenses you don’t care as much about in order to fit the splurge into your budget. That’s what will keep you happy, sane, and feeling “rich” while on a budget.

Want more budgeting tips? Check out my new book Budgeting Made Easy.

The post The Real Secret to Living Richly on a Budget appeared first on Living Richly on a Budget.

]]>
http://www.livingrichlyonabudget.com/the-real-secret-to-living-richly-on-a-budget/feed 5