frugality · Uncategorized

Debt and a Frugal Mindset

The average American family has credit card debt of just over $16,000 and total overall debt of $132,000. What? That is crazy! I hate debt. We have no credit cards. We quit using them years ago.  We have no student loans either.  We do have a mortgage and I cannot wait until the day it… Continue reading Debt and a Frugal Mindset

Uncategorized

Mommy Blogger Series: Keepers of the Home

For the Love of Writing I love writing and by the age of 42, I have been writing for the majority of my life.  Just as the types of writing changed over the years, so has the purpose and intent of my writing. As a child, I wrote to be creative. When I was a… Continue reading Mommy Blogger Series: Keepers of the Home

Christianity · Cleaning/Household · faith · frugality · Health · Homemaker · marriage · parenting

Keepers of the Home : 5 Tips on How to Set and Achieve Goals for 2018; No More Resolutions!

    How to Succeed in Achieving Your Goals in 5 Steps 1.  Write it down Goals that are written down are 80% more likely to be achieved. 2.  Make it visible Post your goals in a highly visible area to you. One where you see on a daily basis.  For example, if you are… Continue reading Keepers of the Home : 5 Tips on How to Set and Achieve Goals for 2018; No More Resolutions!

Christianity · Cleaning/Household · faith · frugality · Health · marriage · parenting

Simple Saturdays: Finances, Christmas Gift Guide, Tired Moms, Money Saving Tips, and Much More

Celebrating Christmas The past few days we were able to celebrate Christmas with some family.  In lieu of receiving an overwhelming amount of Christmas gifts, my children received a Chocolate Lab from their grandparents. Our newest family member, Zuma, named after the Paw Patrol character is already so loved within our family. Our beloved dog,… Continue reading Simple Saturdays: Finances, Christmas Gift Guide, Tired Moms, Money Saving Tips, and Much More

Cleaning/Household · frugality · Homemaker

Large Family Finances: Menu and Grocery List

We are a large family with six young children with big appetites. With five children in school, one husband who works out of the home, and me home with the youngest there is a great potential for us to have a large grocery bill. I have included my breakfast, lunch, and dinner menu for the… Continue reading Large Family Finances: Menu and Grocery List

debt · debt free

Impulse buying: The Downfall of Every Budget and Tips on How to Prevent It

I make good money, I just don’t know where it goes! I had to put it on my credit card because I ran out of money! I just had to buy that (insert any item) because it was (on sale, only one left)! I love a good sale! What is Impulse Buying? By definition, impulse… Continue reading Impulse buying: The Downfall of Every Budget and Tips on How to Prevent It

Christianity · frugality

Why You Don’t Need a Credit Score

  Once upon on a time there was a girl who graduated college and was excited to begin her future.  With stars in her eyes and a wedding ring on her left hand, she landed her first teaching job and bought her first home with her new husband. The new husband was a design engineer… Continue reading Why You Don’t Need a Credit Score