5 Tips for Gift Giving on a Budget

5 Tips for Gift Giving on a Budget

My 5 Tips for Gift Giving on a Budget and this shop has been compensated by Collective Bias, Inc. and its advertiser. All opinions are mine alone. #SaveWithHopster #CollectiveBias One of the most rewarding things for me is saving money. Whether it’s getting a deeply discounted deal, or earning cash back through the Hopster Mobile Rebate App, I enjoy finding ways to stretch my coins especially during gift giving season. A few years ago, I challenged myself to pay for Christmas gifts completely debt free. To start, I committed to use only money saved to pay for Christmas gifts. Do you know that I fully funded not just one, but three consecutive Christmas’s doing that? It was very simple to do once I got into [Click here to continue reading]

Frugal Movie Night Decor

Disclosure: This shop has been compensated by Collective Bias, Inc. and its advertiser, Walmart Family Mobile. All opinions are mine alone. #YourTaxCash #CollectiveBias A few weeks ago when I got my income tax return I was in the market for new phone and phone plans for the family. My goal was to get the most bang for my buck, save money and use as little of my tax return as possible to make this all come together.  Value After comparing mobile phone plans to get the most value, I decided to upgrade my kids Walmart Family Mobile and get them a new phone. I switched them to the Walmart Family Mobile PLUS Plan which gives them Unlimited Talk, Text, & Data, includes up to 10GB of [Click here to continue reading]

How to Compare Mobile Plans to Get the Most Value

This shop has been compensated by Collective Bias, Inc. and its advertiser, Walmart Family Mobile. All opinions are mine alone. #YourTaxCash #CollectiveBias I love hunting down the best prices for the best value on everything I buy. I’m equally excited about making my money, especially my income tax return stretch as far as possible.  Just a few weeks ago my phone stopped working and I needed a new one. I told my husband that since we had to buy a new phone for me, we might as well get a new phone for the kids and switch them from their plan with Walmart Family Mobile over to our carrier.  Before we could finalize the decision, I had to make sure the switch would save us [Click here to continue reading]

How to Organize Cash Envelopes using Dave Ramsey’s Financial Peace University

Germaine and I have been using cash envelopes for over a decade and we absolutely love the control it gives us over our money. I can clearly remember when we decided to start using envelopes to manage our cash. It was around the same time we decided to cancel our credit cards. The fear that gripped me when we cut up our credit card was scary, but it was one of the best financial decisions we’ve ever made. Over a decade later I realize I’d been swayed into believing I had to have a credit card to be considered normal, to pay for things and for have in case of emergencies. That was so far from the truth. The financial freedom that came from learning [Click here to continue reading]

How to Create A Budget plus Printable Budget Sheets

At the end of every month Germaine and I sit down and create a new budget for the coming month.  We do what’s called a zero based budget. We assign a purpose to every dollar of our pay check on paper before the month starts. Whether saving, eliminating debt, paying bills or spending, we decide before we’re paid. We assign a purpose to every dollar on our monthly budget sheet, then update the sheet each week as we’re paid. There are three major sections to the sheet as you’ll see in the video. Our focus in managing our money is knowing what’s coming in and going out. Before you watch my budgeting video, hop over to my channel and subscribe. I create new videos weekly [Click here to continue reading]

3 Tips to help you prepare for tax seasons with confidence

Today’s tax preparation tips are sponsored by TurboTax. All opinions are mine.  I’m just going to come out and tell you that I get excited about financial management, literacy and tax season. Sharing ways to better managing finances is important to me. When I became a better manager of our families money I brought a sense of freedom and empowerment.  Now that tax time is upon us I want to share a few ideas to help us this year and moving forward.  Stay on top of your earnings.  I encourage you to look at your paycheck regularly to see if there are any work related deductions that can be eliminated or reduced. My husband and I recently realized it would be cheaper for us to [Click here to continue reading]