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How Do You Prepare A Budget With Irregular Income?

Today I’m terribly excited to be doing  a blog swap with John from Frugal Rules. Don’t miss my post about being an advocate for your own health care over at his site, AND you still have time to enter the giveaway for $100. Call me a nerd, but I love to budget! Budgeting can be an easy exercise when you know what your income is going to be from month to month. But, alas, not all people know what their paycheck will look like each time. This can be a common situation given the number of people in sales careers who depend heavily on commissions to make up the majority of their take-home pay. You could also be like me and be self-employed and have fluctuations in your monthly income. Either of these situations can make living by a budget difficult, but not impossible. So, please don’t allow the situation of irregular income be an excuse for you not to live with a budget. I’ve been able to live with a budget and not know what my monthly income will be for several years and with a few tips you can too. Know What Your Expenses Are The most vital thing to ...

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Can’t Take My Eyes Off These Blogs #14-Happy Thanksgiving

We are trying to get ready to make the 6 hour drive to see my husband’s family for Thanksgiving. It looks like the weather will be nice for our travels. I guess the good thing about traveling is that you’re off the hook for cooking. I am really looking forward to a little break. There is tons to say today, so I’ll get right to it. I have had so many breakthroughs since I started blogging. It’s kind of like I was close, but couldn’t really make that last step. I am proud to say that Jake from I Heart Budgets has been generous enough to put our numbers into a Flippin’ Sweet budget. I can cross that off my list. I’ll probably do a whole post about it, but for those of you are nosy curious about our income/expenses, it’s all in black and white for the world to see. Terrifying and exhilarating all at the same time. There seem to be a truckload of giveaways right now, including the one I’m co-hosting for $100. Mandy is giving away the coolest handmade necklace with a great background story. Also, you can still Enter Jason’s or Michelle’s giveaways for a mini iPad! Not ...

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Small Tips for Holiday Travel

  If you are getting ready to travel this holiday season, you’ve probably researched flights, hotels, and rental cars. It’s so easy to get caught up in the big things that you may forget to do some of the little things that can add up and save lots of money. If you are getting ready to hit the road, consider these small tips before you leave. Turn Down the Thermostat-Don’t forget to turn your thermostat down when you leave for a trip. You don’t want to turn the heat off in case it gets cold enought for your pipes to freeze, but you don’t need to heat the house for your furniture and clothes when you’re gone. We usually turn ours down in the fifties. It doesn’t usually get that cold in our house because we have a good amount of passive solar heat, but even if it did, things wouldn’t freeze. Bring Snacks- I especially like to bring snacks for the airport. Since you are a captive audience, they can charge whatever they want.  This also works well for road trips. Convenience stores can be almost as expensive as airports unless you are getting the 2/$1 chili dogs that have most ...

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Being Thankful

As we come toward the end of the year, no matter which holidays you might be celebrating, we all should take a few minutes to slow down and be thankful for the meaningful things in our lives. I personally have a long list of things to give thanks for.  At the top of my list is my family and my health. I am especially grateful that I don’t wake up everyday hungry and wondering how to survive the day. I am thankful that I can create a list of things I am thankful for that doesn’t have to be terribly serious. Here area few things I came up with.   Some of my Pearl Jam vinyl and fan club stuff   Home Grown Tomatoes Chiropractors Snow Plows Google Page Rank Update Garbage Collection Service Heated Seats in My Car Spinning Class Pearl Jam Our Public Library Our Awesome Neighbors Taxes (I wouldn’t owe them if I had no income. Hard sell though) My New Blogger Friends Credit Card Rewards Cheesecake KindergartenTeachers Flannel Sheets Dansko Shoes My Veterinarian That Yertle, our 1999 Honda Civic, starts every morning And Giveaways! I am co-hosting a giveaway with several other amazing bloggers for a grand prize of $100 in Paypal cash or an ...

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Can Once a Month Cooking Help Your Grocery Budget?

If you have read this blog with any sort of regularity, you know that I am trying extremely hard to curtail our grocery spending. I’ve made attempts before, but like tons of busy families, we shopped too much and often restocked the things we eat most rather than coming up with ways to use up existing food supplies. I finally found a way to make myself stay away from the store: By playing the Grocery Game at Canadian Budget Binder. I know I sound like a broken record, but by posting everything you buy, you become much more aware of what you are spending money on. I have noticed that we spend way too much on snacks and convenience foods. I’m convinced Mr. CBB could whip up a yummy, frugal recipe out of a turnip and saltine crackers, so it’s a hard act to follow. Recently I’ve discovered the idea of having a cooking marathon one day a month from Mandy at  Money Master Mom and Catherine at Plunged in Debt. The idea is to cook like a fiend for one day so that you can take a cooking vacation for a few weeks. Also by having ready made meals in ...

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