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5 Easy Ways to Save on Family Pictures

Time feels like it passes all too quickly. I’ve heard this happens even more when you have young children at home. Several of my friends have kids, and they tell me that all it seems to take is the blink of their eyes to find out their kids have gone from being babies to toddlers to starting school. If you don’t take pictures of them along the way, you’ll regret it as you don’t have the opportunity to go back and do it later. So whenever possible, you should grab a camera or your phone and snap away. Another great way to capture the moment is to have family pictures taken. But that can cost quite a bit if you hire it done and order prints to give to family and friends or hang in your home or at work. It’s sad, but the cost of family pictures can deter some families from having them done a regular basis. If you don’t want to miss these family photo opportunities, but you don’t want to go broke either, here are some ways you can save on family pictures. 1 DIY Doing things yourself has become very popular these days, so why not ...

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Why it Pays to Organize Your Grocery List

organize your grocery list

I hate to grocery shop. Like I really loathe it. It takes up a lot of time no matter when I go to the store. I’ve tried going on the weekends, but that’s when all of the 9 to 5 40-hour-a-week-ers go to the store. I’ve tried going during their work hours, but that’s when the elderly people who like to walk slowly and talk in the middle of aisles tend to go to the store. That’s also when the stay-at-home-moms go and it never fails that there’s at least one screaming child in the grocery store. Sigh! (No dig to the moms, I know it’s tough to manage kids in a grocery store.) I know several other people who also dislike grocery shopping. But it’s kind of like doing laundry because it doesn’t really matter that we dislike doing it since it still has to get done if you don’t want to survive off of fast food. But there are ways to make it go faster and smoother. One way is to organize your grocery list. Here’s why you should organize your grocery list. Save Time I try to write my list in the order of where the items ...

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Financial Pros and Cons of Small Town Living

Like Kim, I too live in a small town. A few years ago she discussed some of the reasons why she and her family live in a small town, as well as some of the downsides of small town living. Honestly, I think it’s my favorite post of all time from Eyes on the Dollar because I knew exactly what she was talking about in her post. You see, I live in a small town of 7,000 and although I’ve thought about moving at different times over the past few months since I quit my job to pursue self employment, there are a lot of reasons that I keep coming back to small town living as the best option for me. Of course not all of the aspects of small town living vs big city living have to do with finances, but many of them do. If you have ever found yourself contemplating moving to a small town to get away from the big city, or vice versa, check out these financial pros and cons of small town living. Financial Pros of Small Town Living Small town living saves time. One of my favorite things about small town living is ...

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3 Reasons I’m Trying to be More of a Minimalist

A few months ago, Kim told you about how she finally came to the realization that she’s always had too many clothes. Like her, I have been realizing more and more lately that not only do I have too many clothes, I just have way too much “stuff” in general. “Stuff” has always been a bit of struggle for me and honestly, I think it’s a struggle for most Americans, even if they don’t always realize it. Last night I was looking for something to watch on Netflix while I ate my supper and relaxed before bed. I’m kind of a closet reality TV junkie, especially when it comes to shows from HGTV. I don’t really like the trashy stuff like “Keeping up with the Kardashians” but now that my secret’s out, I’ll admit that if I have the time (which is rare these days thanks to self-employment) I can sit down and watch an entire season of “Love it or List it” or some other HGTV “reality” show. Of course I know that most of these shows aren’t really 100% reality. I’m not crazy after all. 🙂 But I still enjoy them. I thought I’d exhausted the entire list ...

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Why Higher Income Doesn’t Guarantee Financial Success

achieve financial success

During my three plus years as a personal financial blogger, the majority of interaction with the public has been overwhelmingly positive. However, there are always those who like to throw out how easy it must be for us to pay off debt, save for retirement, accomplish any financial goal because we make decent income. I know you’ve heard it or though it too. If I could just make x amount of dollars, my worries would disappear. In reality, higher income doesn’t guarantee financial success and here’s why. Higher Incomes Often Mean Higher Expenses While it’s possible to live like a broke college student forever, some lifestyle inflation as your income grows is inevitable. I used to happily stay at Motel 6 and eat cheap pasta and red sauce for just about any meal. As a forty something adult, the quality of travel and groceries that are now acceptable are just a couple of things that have gone up in price. I’m not sure if it’s having a higher salary or just being a grown up, but many of the cheap things that used to suffice don’t work anymore. Spending More Than You Make Results in Debt Whether you make minimum ...

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