Living Richly on a Budget http://www.livingrichlyonabudget.com Wed, 22 Jul 2015 21:34:18 +0000 en-US hourly 1 http://wordpress.org/?v=4.2.3 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...

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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

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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...

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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.

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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...

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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:

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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...

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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.

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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...

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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

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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...

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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.

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Sugar-Free Dairy-Free Ice Cream Recipe http://www.livingrichlyonabudget.com/sugar-free-dairy-free-ice-cream-recipe http://www.livingrichlyonabudget.com/sugar-free-dairy-free-ice-cream-recipe#comments Wed, 24 Jun 2015 09:30:06 +0000 http://www.livingrichlyonabudget.com/?p=16097 Welcome to our June Blog Hop! This month we are focusing on Summertime and Family Fun activities. Get ready for some great ideas, inspiration and how to as you move along through the blog hop. You may just be starting the blog hop or may have come from Pam B at Hey, Miss Adventures! on our Living with Style Blog Hop. […] Read more...

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Welcome to our June Blog Hop!

This month we are focusing on Summertime and Family Fun activities.

Get ready for some great ideas, inspiration and how to as you move along through the blog hop.

You may just be starting the blog hop or may have come from Pam B at Hey, Miss Adventures! on our Living with Style Blog Hop.

If you get off track at any time, the full lineup below will help you move along from blog to blog so you make sure to see and learn from all of the articles featured here today.

Living-With-Style-Blog-Hop-for-Blog

Ice cream is a wonderfully delicious summer treat.

But those who are sugar-free and dairy-free may feel deprived as you cannot find sugar-free or dairy-free ice cream in stores.

If this is you, then make this luscious treat for yourself!

My daughter is on a sugar-free, dairy-free diet to overcome Candida, which is a yeast overgrowth from antibiotics. And believe me, the anti-Candida diet is hard.

I went on this diet for almost a year to heal my food allergies (along with special vitamins). I thought it was hard when I went on it but putting my daughter on this diet was infinitely more challenging.

sugar free dairy free ice cream recipe

I don’t like seeing her feel deprived when everyone else is having ice cream and she can’t. So I came up with this simple recipe with coconut milk, stevia, and fruit, just 3 ingredients!

Stevia is a natural sweetener that has zero calories. It is sweeter than sugar so a little goes a long way. You can find it here.

As a result, she loves it! In fact, I make it almost every week to have it ready in the fridge.

The cute ice cream mold that I use makes it feel like a real treat. The cones are made of plastic so it’s gluten-free! Just fill the ice cream part and freeze.

I also love that the cone part is hollow and catches the inevitable ice cream drip.

If you’re interested in this ice cream mold by Tovolo, you can get it on Amazon.

anti-candida ice cream recipe

Sugar-Free Dairy-Free Ice Cream Recipe

1 1/4 cup Coconut Milk
1/4 cup Chopped Fruit (frozen berries work well)
1/2 tsp Stevia

Optional: Fridge a can of coconut milk overnight. Then mix well with a hand mixer to add air. This step makes the ice cream fluffier. Sometimes I skip this step if I’m in a hurry and if I do, it becomes more of a hard popsicle than a creamy ice cream.

In a bowl, mix coconut milk and stevia as well as you can. Powdered stevia tends to clump.

Stir in chopped fruit. Then pour into ice cream molds. Freeze at least 6 hours or overnight.

See below for my tip on removing the molds.

Stir w logo

In this version, I used frozen strawberries but blueberries and raspberries work well too. Frozen fruit will help the ice cream freeze faster.

Pouring Molds w logo

Fill the molds up as far as you can.

Sugar Free Dairy Free Molds

When removing molds from the cone, soak the ice cream mold part in a cup of water for a minute before removing. Be sure to pull straight up.

I use a rubber gripper (for removing lids) to help me pull the ice cream mold out.

dairy free ice cream recipe

Now you have this mouth watering treat where the cone looks almost edible.

Love this? Please share this recipe on social media.

The next stop is Laura Gelnett at Making It Happen Together on Living with Style Blog Hop! Thanks for visiting and I hope to see you again next month!

  1. Laura Gelnett at Making It Happen Together
  2. Lory Robinson at The Robin’s Nest Designs
  3. Natalie Bradley at Soirée by Natalie Bradley
  4. Brandy VanDeKop at The Dutchman’s Wife
  5. Karissa Ancell at A Fresh Start
  6. Rhonda at MultiTaskingMaven
  7. Pam Bennett at The Birch Cottage
  8. Leah M. Briick at Briick by Briick
  9. Lisa Milligan at Harmony and Happiness
  10. Dianne O’Donnell at Scrutinizing Life
  11. Abby Winstead at Winstead Wandering
  12. Cristi Wuenschel at The Keeper of the Memories
  13. Kendra Sawyer at Wonderland Kind of Mind
  14. Pam B at Hey, Miss Adventures!
  15. Fanny Seto at Living Richly on a Budget << you are here

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Free Books from the Library Summer Reading Program http://www.livingrichlyonabudget.com/summer-reading-program-library http://www.livingrichlyonabudget.com/summer-reading-program-library#comments Wed, 17 Jun 2015 17:34:28 +0000 http://www.livingrichlyonabudget.com/?p=14651 The Summer Reading Program at your local library has started and ends in August. The Summer Reading Program is a nationwide initiative to encourage kids to read and do fun, offline activities. On our last visit, while we were checking out our books and DVDs at the desk, the librarian asked us if we had heard […] Read more...

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The Summer Reading Program at your local library has started and ends in August.

The Summer Reading Program is a nationwide initiative to encourage kids to read and do fun, offline activities.

On our last visit, while we were checking out our books and DVDs at the desk, the librarian asked us if we had heard of the Summer Reading Program.

It sounded fun so we signed up.

And upon signing up, I was surprised to learn that my daughter got to choose a FREE brand new book to take home from the Summer Reading Program cart, pictured below.

 

summer reading program library

The books that are available, for toddlers to teens, are carefully curated from the New York Times bestseller list. And we found a book that was perfect for her.

Sheesh, even I wanted to sign up just to get a FREE book! Imagine that, going to the library to borrow books and ending up with a FREE book to take home and keep.

Of course, my mind starts racing. How do we get more free books? We hit up a few other libraries nearby to get a free book at each one!

The Summer Reading Program encourages kids to read on a regular basis. When we signed up, we got a sheet with shapes to fill out each time my daughter read for 20 minutes.

summer reading library

Of course, since she is just 4, I read to her. When she has done this 15 days, she can return to the library to claim a prize, a hand puppet. This is exclusive to our library.

When she reaches 30 days of reading, she can get pick out another free book and enter a raffle for several prize baskets and a $1,000 scholarship!

Each library is doing something different. Some even include adults in the Summer Reading Program and hold a weekly raffle for prizes.

Check out your local library for details.

 

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10 Ways Millionaires Think Differently http://www.livingrichlyonabudget.com/rich-people-think-vs-poor http://www.livingrichlyonabudget.com/rich-people-think-vs-poor#comments Thu, 11 Jun 2015 05:33:55 +0000 http://www.livingrichlyonabudget.com/?p=14831 I came across this book, Secrets of the Millionaire Mind by T. Harv Eker, and was blown away. It illustrates the differences of thinking of rich people vs. the not-so-rich. These are generalizations because this doesn’t represent all lower income people. But still, it’s interesting to see how the mindsets are completely opposite. If we […] Read more...

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I came across this book, Secrets of the Millionaire Mind by T. Harv Eker, and was blown away. It illustrates the differences of thinking of rich people vs. the not-so-rich.

These are generalizations because this doesn’t represent all lower income people. But still, it’s interesting to see how the mindsets are completely opposite.

If we replace the rich people phrase with Donald Trump, we can see how these statements reflect on him. After wavering through 4 corporate bankruptcies, he emerged richer than before.

secrets of the millionaire mind

There is something about having a positive, creative mindset. These are some of the principles from the book.

1. Rich people believe “I create my life.” Poor people believe, “Life happens to me.”

2. Rich people think big. Poor people think small.

3. Rich people focus on opportunities. Poor people focus on obstacles.

4. Rich people admire other rich and successful people. Poor people resent rich and successful people.

5. Rich people choose to get paid based on results. Poor people choose to get paid based on time.

6. Rich people focus on their net worth. Poor people focus on their working income.

7. Rich people manage their money well. Poor people mismanage their money well.

8. Rich people have their money work hard for them. Poor people work hard for their money.

9. Rich people act in spite of fear. Poor people let fear stop them.

10. Rich people constantly learn and grow. Poor people think they already know.

What do you think? Do you think like a millionaire?

 

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4 Ways I Make Money Online http://www.livingrichlyonabudget.com/4-ways-i-make-money-online http://www.livingrichlyonabudget.com/4-ways-i-make-money-online#comments Thu, 04 Jun 2015 08:29:59 +0000 http://www.livingrichlyonabudget.com/?p=13178 I’ve been blogging since 2006, with my food blog, YummySF.com. At that time, food blogs were exploding online. Some food bloggers became celebrities and even got cookbook deals. It was fun having my own blog and getting invitations to fun food events. But I couldn’t figure out how to make money with the food blog so […] Read more...

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I’ve been blogging since 2006, with my food blog, YummySF.com. At that time, food blogs were exploding online. Some food bloggers became celebrities and even got cookbook deals.

It was fun having my own blog and getting invitations to fun food events. But I couldn’t figure out how to make money with the food blog so I went into another direction and started this blog, Living Richly on a Budget in 2009.

Not long after that, I found a job and my blog fell into the back burner. After being laid off two times in a row, I decided to try harder to earn money online. At the time, being pregnant was a huge motivation.

After working hard for 3 years, I’m finally at the point where I earn a part-time income. My goal is to earn a full-time income by next year. And by full-time income, I mean enough to cover all of our monthly expenses and then some.

I don’t want to give you the impression that making money online is easy because it isn’t. After you get your blog up, work on SEO, and write good content, monetizing it is tough.

I’ve been blogging for almost 10 years and only recently have I learned to be more focused. I have stuck with it because deep down, I enjoy being creative. I enjoy creating things and writing.

It was a long time dream of mine to write books and I’ve made it happen. Now, I never pictured myself self-publishing but I love it.

Ways I Earn Money Online

1. Advertising

There are different ways to earn money with advertising. But first, your blog or website needs to have enough traffic coming in, at least 10,000 pageviews a month or more.

For my food blog, I barely made anything in the beginning. It took over 8 months to earn $100, which is pretty dismal.

I have used a mix of pay-per-click, cost-per-impression (CPM), and private advertising. Check out Google Adsense and BlogAds.

eating organic on a budget ebook

2. Affiliate Marketing

Affiliate marketing is when you earn a commission after a visitor clicks through a link on your site and makes a purchase. You have to earn a minimum amount before you get paid.

Popular affiliate marketing programs are Amazon Associates, Commission Junction, Linkshare, and ShareaSale. This brings in the smallest portion of income, sadly.

3. Sponsored Posts

I write sponsored posts from time to time but only if they fit with my blog. I don’t do these as much as I’m more picky about the content that goes on my blog.

4. eBooks and Digital Products

eBooks are hot right now. It gives you the ability to self-publish and earn a decent portion of the sales. And it’s a great way to start earning passive income.

My first ebook, Eating Organic on a Budget, was published on Amazon Kindle in 2012. And my second ebook, Eating Gluten-Free on a Budget, was published a year later in 2013.

Budgeting (36)

 

I will be launching my third ebook, Budgeting Made Easy very soon! It will be included with my Living Richly Budget Printables.

How do you make money online?

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