Surely you’ve heard the advice to “pay yourself first,” but what happens if you never have any money left after the bills are paid? When you wake up every day and the bills are piling up, you’ll wish you had followed this simple piece of financial advice sooner. Now you’re broke, and the money is gone. How can you possibly pay yourself first now? Why should I pay myself first? Paying yourself first sounds easy....

Family vacations are one of the most rewarding and adventuresome ways a family can spend their time together. However, planning a family vacation can be stressful, especially when trying to find a deal. There are no shortage of travel destinations, but not all places are created equal and costs can vary by thousands of dollars. How can you save your family money this year when planning a vacation? Be Flexible. The reality of budget...

The two most stressful times of your child’s school year are the beginning and the end. At the start of the school year, there are open houses, new class schedules and getting back into the normal routine after a long, lazy summer. As for the end of the school year, there’s the issue of finding the perfect gift for your child’s teacher. Best Cheap Gifts for Teachers This is something I struggle with every...

Greetings, money savers! If you read my blog A Theory of Change, you know saving money is one of my favorite things. So today I’ll share five easy tips for saving money, so you can set aside a little of your hard-earned cash going forward. Stop paying too much for banking Do you know how much you’re spending on bank fees? If not, you’re not alone. A lot of people don’t pay attention to...

Control your financial future with these top 6 habits of frugal people Getting your spending under control isn’t easy. Sometimes it’s a daily struggle! If you’ve ever wondered what makes frugal people so good at being… well… frugal, you’ve come to the right place. There are a lot of smaller behaviors we can change to increase our financial control. For my husband and me, we conquered our savings goals by setting up our savings...