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If frugality was the only thing keeping you afloat

Recent events have proven that even the mightiest of companies can fall.  Between bank failures, declining retail sales and the housing market being slow, far too many people are suddenly being put...

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Baby Steps to Switching to a Cash Envelope System

As mentioned before, we converted our household to our own little cash-based economy this Summer.  While the system may not be for everyone, it is working remakably well for us and I cannot encourage...

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Tracking and Banking Your Grocery Savings

People come to frugal living and couponing for so many reasons. It could be a sudden change in the finances, fear over rising prices, a simple desire to cut back on expenses…or even just because you...

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I’m Dreaming of A Frugal Christmas, Part II

Remember this post? When I wrote that post three months ago. in the back of my mind it was “wishful thinking”. I was thinking “Sure, I can get by with the majority of my Christmas Shopping being a...

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Dave Ramsey Envelope System: $12! (Today Only)

Head on over to the  Dave Ramsey website to get one of his envelope systems for just $12, today only and while supplies last (there are only 500 available at this price)! You can choose from Deluxe,...

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The Importance of An Emergency Fund

If you are trying to get out of debt, you may be following Dave Ramsey and his Total Money Makeover or some variation of his advice. When I first bought the Total Money Makeover 6 months ago, I read...

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