The Beginner’s Guide to Savings

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Eight Weeks to a Better Budget

My goal for this series is to guide you through a series of assignments intended to put you on sounder financial footing.  Basically it is eight weeks to a better budget.

Each week we will tackle one specific area to work on and then complete assignments related to that segment of our financial life.  Thus, following this series will take some effort & commitment on your part.  Unfortunately I haven’t yet figured out the magic version of saving money, where all you have to do is read about it for it to happen.  This is the blood, sweat, & tears edition. (Okay, well maybe no blood…)

And now for a few disclaimers: I am not a financial expert or certified financial planner.  I don’t have a degree in business or accounting.  I have no credentials whatsoever beyond my own experience to qualify me for teaching anyone about saving money.  There are plenty of money experts out there who could probably explain this stuff far better than me, and some I will even refer you to.  My only goal here is to try to break down the scary world of budgets and saving into manageable bites.  Yes, this is the baby steps guide to saving.

Week 1: Stop Spending

Week 2: Create a Budget

Week 3: Save on the Big Things

Week 4: Save on the Necessary Things

Week 5: Save on the Fun Things

Week 6: Save on the Special Things

Week 7: Save for the Future

Week 8: Make More Money


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{ 7 comments… add one }

  • jessica March 16,

    i am wanting to learn how to do this exterme couponing

  • しきひを June 30,

    I do like the manner in which you have framed this specific challenge plus it does indeed offer me some fodder for thought. Nevertheless, from what I have seen, I really wish as the actual comments pack on that people continue to be on point and don’t embark upon a tirade regarding some other news of the day. Anyway, thank you for this excellent piece and although I can not concur with it in totality, I value the point of view.

  • Juliette September 2,

    Hello Ruth, I came across your website by accident and was so delighted that I did! I live in South Africa where couponing is not a big thing – but I loved your tips on ‘sales’ grocery shopping. I have found that I can do a whole month’s grocery shop, by checking the sales that are running in my 3 major grocery stores that I frequent and purchasing those items, plus by doing what you suggested and purchasing an extra 4 or 5 of these items am creating a nice stock of ‘hoarded’ goods to make it easier on the budget for the month’s to come.
    Thank you too for the articles on de-cluttering – I had already hit my wardrobe, but it was nice to see I was on the right track! I did download and print your pantry inventories and as one reader suggested, laminated them and used a wipe-board marker to write on them.
    Thank you for such a wonderful website with so many innovative ideas!

  • Andrea December 27,

    I have spent so much time on here today, such great information!! Can’t wait to get started on some of these!!

  • Margaret February 28,

    Oh my gosh so excited to start march with spending less. So my DH and I went shopping today to just pick up a few items being very careful on what we spend. He drops me off at walmart and then went to SAMs to pick up some needed items. Comes to pick me up and said he had to pay memebership of 45 today. We have been members for over 10 years. What bothers me is that they have so many promtions for new members , but can’t give forever members a break. Thinking about canceling membership wondering how everyone feels about these clubs? Thanks so much love is group;)

  • Stacey Colefield July 5,

    I want to start saving we don’t have a lot of money because only my husband work. We have two kids 8 & 14.

  • Wasantha October 18,

    hi I am from Srilanka … like many I also found yr website by accident … needless to say I am enjoying every minute of it
    Tks for yr lovely yet practical tips ………..


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