Life Insurance is a Necessary Expense in Your Budget

Let’s discuss a topic that most people do not think about often enough.  Life insurance is something you should be thinking about as soon as there is someone else in your life who would be affected financially by your death. It is absolutely a necessary expense in your budget. It is always better to be protected to lessen the financial burden that death may cause for your family. While usually I am advocating for ways you should be saving money, this is an instance where I am recommending that you spend money in order to protect yourself financially in the […]


Best Practices for Managing Student Debt

This is a guest post from Drew Cloud over at The Student Loan Report. For millions of Americans, borrowing from federal or private student loan providers is a necessary component of attending a college or university to earn a degree. Nearly 70% of all graduates leave school with a student loan burden, averaging more than $35,000 per individual. In 2016, the Federal Reserve Board reported more than 19% of borrowers owe $50,000 or more in student debt – a financial obligation that represents more than a car purchase or a down payment on a home. Given that the student loan […]


How I Am Paying off $38,350 in Student Loan Debt

This is a guest post by David over at millenialpersonalfinance.com.   It is no surprise that student loan debt controls the lives of many borrowers. In fact, many of the borrowers who did take out a student loan did not fully understand the position it would put them in when they graduate. I know I did not, but I still have to pay the amount back. I have decided that I do NOT want to be making student loan payments for the rest of my life, so I will be paying down my student loan debt aggressively. Yes, this does sound […]


How to Get Started Gardening

Do you have a garden?  Have you ever thought of trying out gardening? Gardens can be an excellent source of food in the summer and can save you money as well!  I tried out gardening for the first time in the spring of 2013.  We lived in a townhouse with an extremely sunny backyard and I had lots of time on my hands so I decided to try creating a small garden. My husband helped me build a small raised bed (although it was not technically “raised”).  I think it was 6×4? We just used simple pressure-treated wood to build […]

How to Get Started Gardening

13 Freezer Meals to Make Your Dinners Easier

Do you know what feels really amazing?  Knowing that you have a month’s worth of meals prepped and ready to go in the freezer!  Freezer meals or freezer cooking is seriously awesome.  If you have not tried it, I highly recommend doing so!  There are so many situations where freezer meals can come in handy. I made freezer meals when I started teaching, knowing that I would be too exhausted to cook dinner every night when I got home – especially in the first few months.  I made freezer meals before my first daughter was born and thought it was a […]

freezer meals

Elite Blog Academy – The Best Choice You Can Make for Your Blog

A year ago today, I was sitting in your shoes.  I desperately wanted to get my blog off the ground, but I had no idea how! I felt completely stuck. I knew there had to be a better way, but I had no idea how to find it.  And then I discovered Elite Blog Academy. It seemed like the perfect solution to my problem, but, I was still scared to take the leap. You see, Elite Blog Academy is not cheap.  It was a pretty big investment for someone who had no prospects of making money off my blog anytime soon.  (There […]


Four Ways to Make Money as a Stay at Home Mom

When I quit my job as a teacher to stay home with my daughter, I always had a vague plan in the back of my mind that I would look for ways to make money as a stay-at-home mom. Just because you are at home with your kids all day, does not mean you cannot contribute some supplemental income if that is something you are interested in.  There are tons of ways to make money from home online that could be completed on your own schedule. Below are three ways I make money online and one bonus way I make extra […]


Setting a Gift Budget for All Occasions

One area of our budget that has a tendency to get out of hand is our gift budget category. In the past, I have not been very good at anticipating all of the social events that will require a gift purchase.  In turn, this usually means that we end up spending too much on a gift or just not budgeting properly for the month. There is also the pressure of being invited to a birthday party (especially a kid’s party!) last minute and needing to get a gift but knowing it is not in the budget or someone purchasing a […]


Once-a-Week Laundry Routine

It is no secret in my house that I love figuring out the most effective and productive way to get things done.  I am always trying to determine the path of least resistance that will get me the most bang for my buck. Time is money after all! As a stay-at-home-mom, one of my weekly tasks is laundry.  Everyone has their preferred laundry routine, and if you have one that works for you, that is great. I would venture to guess that most laundry routines, especially those of people who work out of the home, involve doing laundry over multiple […]


How to File Your Own Taxes with Ease

This may be your first year filing your own taxes or maybe you have been doing it for awhile now.  Regardless, I hope that tax season does not induce large amounts of stress for you.  It really does not need to be that difficult.  The keys to success when filing your taxes yourself are staying organized, starting early, and using a tax software!  I have been using TurboTax online since the first year I started filing my own taxes and I have always found the process easy and even fun (mostly because I am a numbers nerd). TurboTax walks you […]