Showing posts with label Finance. Show all posts
Showing posts with label Finance. Show all posts

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
Frugal Movie Night Decor #ad #YourTaxCash
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. 
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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
How to Compare Mobile Plans to Get the Most Value #YourTaxCash

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 money. If my husband and I could get the same price with our carrier that we were paying with Walmart Family Mobile it only made sense to have one company.

So I sat down and started comparing the carriers, service and prices and found that we'd be paying more by combining the kids with our service provider and getting less service.
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How to Organize Cash Envelopes using Dave Ramsey's Financial Peace University

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 about money and how it works led to using cash envelopes and becoming financially free.

In today's video, I break down exactly how we organize our cash envelopes.
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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.
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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 drop our dental coverage and save the amount of the premium in an account and self pay for dental services. 



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How to Make Your Own Cash Envelopes

One of the easiest ways I found to prevent over spending is by using a cash envelope system. I started using this system years ago and it's helped my better manage my budget.

You can most certainly buy cash envelopes, but what sense does that make when you can easily create your own.
Let me show you how easy it was to make mine.

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Blog Income Report for June 2015

It's a new month and time for an updated blog income report for ApronsAndStilletos.com. 

My June income is the highest it's been this year and it's just in time for a big financial goal we want to reach. We will finish up baby step number three in the Total Money Make Over by the end of the year and this is going to help.

How Did I Increase My Income?
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Blog Income Report for March 2015

This is month three of me sharing my blog income report and I hope my previous 2015 blog income reports gave you some inspiration in regard to the different ways you can make money blogging.

My greatest goal in sharing these reports is to give you an idea of the kind of money you can make blogging.

March was a month of growth in the area of income, but not in traffic. I was extremely focused on building out products and services for both of my sites in March and less on promotion. 

I ran successful marketing campaigns for two products which greatly increased sales, but my traffic took a hit. I'll talk more about how I plan to balance things out going forward. 

While my traffic dropped a bit, I was still able to exceed my income goal for the month!!


Shall we begin?
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Blog Income Report for February 2015

This is month two of me sharing my blog income report and I hope my January blog income report gave you some inspiration in regard to the different ways you can make money blogging.

My greatest goal in sharing these reports is to give you an idea of the kind of money you can make blogging.

February was a slow month for me because I was on bedrest for three weeks out of the month. Even with me being sick, I did pretty well in terms of actual income as well as generated income. Because I don't want these reports to get super lengthy, I only share income I've actually been paid versus accounts receivable and revenue generated.


Shall we begin?
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How to Take a Debt Free Family Vacation and Find Money in Your Budget

This shop has been compensated by Collective Bias, Inc. and its advertiser. All opinions are mine alone. #MarchIntoSavings #CollectiveBias


We vacation debt free every two to three years and this year we're taking the kids to Florida. I'm really excited since it's been a few years since we've gone.

Using our Summer Vacation Planner, we've mapped out the details and cost of our vacation. 

At the end of this post, you'll find a link to download a blank copy of our planner.
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12 Month Save the Change Challenge | February Totals

I am two months into the Save the Change Challenge and it's been a bumpy road.

I was sick the entire month of February so I didn't do much spending. Low spending means I accumulated very little change.

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Blog Income Report for January 2015

I am starting a new series here on Aprons And Stilletos that will highlight my monthly blog income. Let me start by saying, I am absolutely blessed to have a husband who provides for our family so that I don't have to work. I've been a stay at home wife and mom since our children were 11, 4, 2 and 3 moths old. They are now 21, 14, 12 and 11.

I started A Proverbs Wife, a Christian family blog in 2008 and after about a year it went from being just a hobby to a source of part time at first, then later a full-time income.

In January 2014, I started Aprons and Stilletos to share more of the creative versus marriage and parenting side of homemaking.

Here I share how I'm decorating my home, beauty and fashion tips, what's working for me in my exercise routine, recipes and so much more.

In conjunction with writing cool stuff, I get to work with awesome brands through affiliate marketing, ambassadorships and sponsored content.

That's the completely awesome part of what I do. Not only do I get an insider's peak into what brands are working on, I get to provide all kinds of fun content for you.

Monetizing my blog has helped me get closer to my goal of being 100% debt free by my 40th birthday. We don't owe any debt aside from our mortgage so we may be able to reach our goal if my income continues to grow.

One thing I will tell you guys is that I'm a laid back entrepreneur. I don't try super hard to make a lot of money. While I'd love to make six figures a year, I'll only do it so long as it doesn't require me working more that the few hours a week. 

My primary focus is a wife and mom not an entrepreneur. Helping my husband reach our goals as a family, leave a legacy for our children and make an imprint on the lives of those around us is the most fulfilling thing I've ever done. 

Being and entrepreneur is exciting. What I do is fun and provides extra money, but it doesn't define me and to that I attribute my on-going success a business woman. I define my business. It doesn't define me.

Let's begin!
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3 Simple Categories for my Tax Return

My #MaxYourTax tips and this shop has been compensated by #CollectiveBias, Inc. and its advertiser. All opinions are mine alone.  

My husband and I sat down a few weeks ago to write out our budget for our income tax return. 

We have three categories that help us decide how to use tax return.

Here's how it's broken down.
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12 Month Save the Change Challenge | January Totals



We are one month into the Save the Change Challenge and it's time to see what we saved. If you started the challenge in January, share your end of month totals in the comments below. 

Before I share my totals, I want to tell you about one thing I'm doing differently this month. 

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12 Month Save the Change Challenge | Debt Freedom

Are ready to get out of debt and start saving money?
Over the next 12 months, I'll be sharing the results of my Save the Change Challenge. I'll share the details so if you want to take the challenge with me you can. 
(Scroll to the bottom for my Monthly Totals)

Before you begin, you should know that I'm completely debt free except for my mortgage.

I paid off all of my consumer debt while at home full-time and while our household only had one income.  Between taking surveys, couponing, and my husband's income, we were able to pay off over $30,000 in debt. 

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How to Organize Your Monthly Cash Budget


I try to spend cash as much as possible and stay within my budget. I find it easier to stick to my budget by keeping my cash organized in and accordion file.

This way I never forget what money is designated to what household category.

Take a look at the video I made explaining how I organize my monthly cash budget.


If you're not already subscribed to my YouTube page be sure to subscribe here so you'll be notified whenever I upload a new video.

For more budgeting and money saving ideas, check out more of my tutorials here.


What are your budgeting, couponing or organizing challenges? I've been doing this since 2008 and would love to share some tips with you. 



This post may contain affiliate links. Please see my disclosure statement for more details.

How to Keep Your Grocery Store Shopping Trip Organized


One of the most common issue couponers face is how to keep everything from their insert to their shopping trips organized.
In today's video I'll explain how I keep my coupons organized when shopping the grocery stores.

Check out: How to make extra money for couponing.


If you're not already subscribed to my YouTube page be sure to subscribe here so you'll be notified whenever I upload a new video.

For more budgeting and money saving ideas, check out more of my tutorials here.

And to make extra money for gas, couponing or a small bill check out my extra money category here.



This post may contain affiliate links. Please see my disclosure statement for more details.

How to Keep Your Coupons Organized When Shopping the Drugstores


One of the most common issues couponers face is how to keep everything from their insert to their shopping trips organized.
In today's video I'll explain how I keep my coupons organized when shopping the drugstores.

Check out: How to make extra money for couponing.


If you're not already subscribed to my YouTube page be sure to subscribe here so you'll be notified whenever I upload a new video.

For more budgeting and money saving ideas, check out more of my tutorials here.



This post may contain affiliate links. Please see my disclosure statement for more details.

How to Organize Coupons | Whole Insert Method

 How to Organize Your Coupons | Whole Insert Method
 
There are many methods for organizing coupons but the whole insert method is my favorite.

Organizing your coupons using the whole insert method is the least time consuming.

Check out: How to make extra money for couponing.

Some say that you can miss out on deals organizing your coupons this way. To them I say, you're going to miss out on deals no matter which way you organize you inserts.

In fact, my goal is not to get every deal any way.

I don't carry a coupon binder in the store...EVER. That's just not what I do. Based on my couponing experience, I don't think it's necessary.

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