Saving Money – The Challenge & How to Overcome!

I get asked quite frequently how I manage to save money. It’s simple, I use a few different methods that work for me. Once you start and get in a routine with saving, it becomes second nature.

Here are a few tips that help me save!

1. I use a mason jar and have a bingo savings chart taped to the front. It is a fun way to start saving, without having the feeling that you’re super broke. You basically can either mark off 1 number a week or whenever you want to put a little money aside. Depending on if you’re strapped for cash or can let a little more go to the jar. It’s a great method for saving because you can put $1 away, $5, $50, whatever you can spare for the week. I tend to mark off a number and then hide the jar out of site so I’m not tempted to use the money. I love this method because I love seeing the colorful squares get filled up. Makes me excited to save money!

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2. The 2nd thing I do to save money, is use Swagbucks. For me, it’s a great way to earn a little extra money for things like car parts, Christmas gifts and more. That means I don’t have to spend money from our paycheck on fun stuff. If you already make a lot of money and just want to do it as a way to save money, then that’s a great thing too! You can totally earn money on there and put that in the jar and just let it grow.

Here’s my link to sign up!: http://www.swagbucks.com/refer/dumptdaily

3. Coupons – Yes, couponing does help me save money. I always check to see what coupons are currently out and if there’s anything out for what I usually buy. The other week there was a great coupon for cereal and a deal at Walgreens. So I ended up getting 5 boxes of cereal for hubby for $0.88 each! Definitely way better than spending $2+ a box.

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Those are the basic things I use to help save money. Even if you’re working part time, you to can save money! Even if it means putting $1 aside a week. It’ll add up over time. Honestly though, it does take a LOT of dedication and restraint to save money. You have to be willing to put aside the money and not touch it. But don’t give up! Reach those goals!

 

xoxo Katie

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Gotta Save Dat Money >> 52 Week Challenge

Hi Ya’ll!!

Been quite a long time since I last wrote but I wanted to discuss the new year with everyone. New Year usually means new resolutions and things to change about yourself. At the beginning of this year I started the 52 week challenge. It’s a money savings challenge to help with what else . . . saving money! I was able to make it to April before having an emergency come up and having to withdraw from the jar. This time I’m starting fresh and I plan on making it till the end of the year and hitting that lovely savings total at the end of December.

Not sure what the 52 week challenge is?

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It’s simple. You just add $1 each week. Week 1 you put $1 in the jar. Week 2, you put $2 in the jar and so on till the end of December where you will have saved $1,378! If you want to read more on my first time trying this out. You can check out my blog post here.

Now since I have only been doing photography as my income, it’s a little hard for me to put away each week. So, I started the challenge a little early. I figure while I have some extra cash, I might as well start putting it in the jar that way I’m not scrambling between photoshoots to get money for the jar.

Let me know if you’re going to start the challenge too! Also, if you have any money saving tips that work for you, comment below and let me know!

& if you find yourself bored reading this post, go check out my photography page and “like” it.

 

The Struggle is Real

Ever find yourself running low on cash and wondering where it’s all going? Well most likely, you aren’t budgeting and money is going into stupid things instead of the really important things such as: Rent, Car Insurance, Bills (general). I fall victim of getting paid and then not knowing where my money went a few weeks later. When you look at it, we make a decent amount of money for the most part. We’re not rich but we’re not living off minimum wage either. There are days I will look at what we make and add up mine and Steven’s incomes and think , “Holy crap! We have this much money!” and then at the end of the month it’s more like, “Where did all that money go!”. Bills only take up about $1100 of what we make. So what’s happening to the rest of our income? Well, thanks to this lovely lady over at Thirty Handmade Days, she’s posted a great budget planner for everyone to print out. It helps you keep track of what you’re spending on bills, groceries and extra expenses for the month. There’s also a grocery list available as well as a monthly meal plan.

 

Over the years I’d say I’ve been really frugal with my money spending. I’m not the type of woman to go out shopping everyday and buy purses and jewelry that I will not use or wear. I tend to hold onto what money I have for as long as I can. I do fail at holding onto my money when it comes to going out to eat. I think most of you feel the same. You get home late from work and you don’t have anything in your kitchen to cook and are too lazy to go to the grocery store and then come home and cook . . .so we just go out and get the closest fast food we can and deal with it. Yup, happens to us all at some point. I’ve decided that this year, I’m going to change that! I’m going to crack down and start making more and more meals at home and saving the hubby and me some money.

My reasons for saving money: 

  1. I’m saving money….duh! more money more money!
  2. I dream to own a house one day
  3. I want to have my wedding in California
  4. Emergency back up for vet bills and medical bills
  5. Emergency back up for car issues

With a new year comes new goals. My goal for the year is to start putting more and more money into my savings account to have for emergencies. I also plan to keep a jar of coins (hidden from the hubby since he likes to dip into it too much) and use that toward a house or vice versus. Either way, I want to start saving money. I’m tired of it getting down to the end of the month and having to pay bills and something like a vet bill keeping me from getting my cat’s medical issues taken care of. Hopefully I can stick with this and get a good chunk of money set aside by the end of the year.

My savings goal: reach $1200 by the end of the year

 – – – – If you have any money saving tips, please feel free to leave a comment below and let me know what works for you! – – – –