budgeting

7 Smart Things to Teach Kids About Money

Image

Growing up in my family, the first rule of money was this:  We don’t talk about money.  All I ever knew is that we had more than enough.  While my parents did encourage me to work both around the house and at part-time jobs, there wasn’t a whole lot of guidance when it came to [...]

Is Your Bank Taking Advantage of You?

Image

This is a guest post from Kalyn Brooke of Creative Savings Believe it or not, your bank does not always have your best interests at heart. They are in business to make money, and to make money off your money. From interest rates to extravagant fees, not only are you beholden to the services they [...]

10 Smart Ways to Build an Emergency Fund

Image

There is nothing that can derail your financial progress faster than an emergency.  You think you’re doing okay, making headway towards your goals, and boom!  The refrigerator stops working, your car breaks down, or your child falls off her bike and needs four stiches in her chin and suddenly you are right back in crisis [...]

How to Afford Private School on a Budget

Image

Several months ago I shared the news that my husband and I had decided to send our girls back to school rather than homeschool.  It was an incredibly difficult decision to make, for so many reasons, but ultimately we decided that--at least for this year--a small private school just a few blocks from our home [...]

12 Smart Ways to Save on Utilities

Image

The basic rule of budgeting are pretty straightforward:  Don't spend more than you take in, and cut out the nonessential spending first.  None of us really need to be swinging by Starbucks every morning, or eating out twice a week, or filling our carts at Target with cute stuff we could easily live without.  And [...]

7 Easy Ways to Save Money on Meat

Image

Today I am thrilled to introduce you to my dear friend and amazing assistant, Kalyn Brooke!  When she is not helping me maintain my sanity by keeping track of all the behind-the-scenes stuff that happens here at LWSL, she is busy running her own fantastic frugal blog, Creative Savings.  Over the years I have had [...]

5 Surefire Ways to Get Your Budget Back on Track

Image

I don't know about the rest of you, but I might have gone a just a little bit nuts with my spending over the holidays.  I'd like to blame the fact that Thanksgiving was late this year, which meant I was pressed for time and then overspent because I was in a hurry, but the [...]

Holiday Planner 2013

Image

Happy November! Is it just me or has this year seemed to fly by?  I am having a hard time believing that it is already time to start planning & preparing for the holiday season once again. As my girls get older and begin participating in more activities, my husband and I are finding it [...]

Thin Waist, Fat Wallet {How to Save Money while Losing Weight}

Image

This is a guest post by Sarah of Little Progress Notes You may be aware of the health benefits of losing extra weight, but have you thought about the ways you'd save money if you acheive and maintain a healthy weight? Costs for doctor's visits are lower when you aren't sick as much, your joints [...]

How to Talk To Your Spouse About Money

Image

Few subjects can start a fight faster than talking about money. It doesn’t seem to matter how carefully the topic is raised: The second the money card is played, everyone seems to be on edge. Accusations of carelessness and being too controlling creep into the argument, and, suddenly, what started out so innocently can explode [...]

17 Awesome Money Saving Apps

Image

Am I the only one who is completely awed by the miracle of this little technological wonder called the Smart Phone?  How can one little handheld device do so much?  Besides being a stylish fashion accessory, my phone is simultaneously a camera, internet browser, radio, GPS, e-reader,  and note-taker.  It even turns into a flashlight, should [...]

DIY Home Maintenance: 5 Ways to Save Big on Home Repair

Image

This is a guest post by Angela of Angela Says: Tips for a Cleaner Home Too many times have I called a repairman out to fix something in my house and found out it was something really dumb, that I could have fixed myself causing the problem. For example, the dishwasher was leaking and not [...]

How to Shop Online Without Blowing a Cash Budget

Image

For as long as we've been together, my husband and I have placed almost all our purchases--gas, groceries, clothing, vacations, restaurants, and practically everything else we purchased--on a reward-earning credit card.   We thought we were being smart.   After all, we always paid off the balance each month, even when that balance made us [...]

Why I Don’t Always Use Coupons

Image

I love saving money with coupons.  I don’t always love using coupons.  Because, let’s face it, clipping coupons—enough to really save a LOT on groceries—is a lot of work. Yes, the payoff is often impressive—I mean, who wouldn’t want to bring home $127 worth of groceries for less than $0.25—but the truth is that using [...]

How to Save on Food for the Holidays

Image

Thanksgiving.  Christmas Dinner.  Holiday Parties.  Seasonal baking.  For most of us, food plays a starring roll in our holiday festivities.  We all have our favorites, that certain special dish we only eat once a year.  Without it Christmas or Thanksgiving just wouldn't be the same. Oh, the pressure. And while our mouths start watering at [...]