Fall wreath

Four Ways to Save on Fall Decor

I love how decorations look and make your home feel. However, my frugal ways do not like spending hundreds of dollars on seasonal decorative items. Yes, they can be used year after year (if you remember where you store them), but the costs can add up if you go overboard with decorating. So, here are 4 ways to save on…

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Cutting College Costs

Cutting Costs on College: 7 Ways to Save on Tuition

I finally made the decision to return to school and finish my master’s degree. I started it back in 2011 when my previous employer paid for my tuition and books. I completed five courses and earned a “graduate certificate” in Nonprofit Management. Then, when I transferred to my current organization, I stopped pursuing the degree. Part of the decision was…



HSA

Considering Health Insurance Options: 4 Ways An HSA Is Saving Us Money

If you are employed full-time, then your employer likely offers a health care plan (there are exceptions for small businesses and companies). With legislation around Affordable Care Act guidelines, it is required to obtain health insurance or pay a penalty. All politics aside, having health insurance is actually a very wise financial decision and obviously comes with other benefits. Even…



gift cards

Buying Discount Gift Cards

For us, the summer time is often busy with birthdays, holiday celebrations, weddings and baby showers. Consequently, it’s also a potential budget buster time of year for us too. Don’t get me wrong, we love celebrating with our friends and family, and the gifts are well deserved. But just because we buy gifts, doesn’t mean we have to break the…



No Picture

How We Save Money On Food Without Meal Planning

Over the past year, I have done a lot of thinking about how to creatively lower our food costs, yet still eat healthy delicious food. Our first decision was a no brainer and it saved a lot of money: limit how much we eat out. A lot of finance blogs and tips suggest this and it makes a lot of…


insurance policy

Car Insurance Renewal: “Finding” the Discounts

Well, it was time for our 6 month renewal with Progressive. Once again, they hit us with the typical increase of about $3 a month, or $18 for the policy period. Now, that isn’t much, but its still more money for the same insurance policy. A little annoyed, I decided to give them a call. I had just participated in…