Sinking funds are freaking amazing!  They are mini saving accounts set up for the expenses you know you will have throughout the year but don’t come up every single month.  Sinking funds allow you to save little bits throughout the year, so when that quarterly, bi-annual or annual bill comes up, you totally have it…

Sinking funds, also known as the savior of the budget.  These beautiful little funds can be the difference between staying on budget for the month or having your budget completely blown out of the water.   You may be wondering what a sinking fund is and why I think it is so amazing.  Basically, a…

Have you ever been chugging along through your month, you are just nailing your budget, and then some stupid thing comes up that you should have remembered, but you didn’t?  Suddenly you are over budget by hundreds and you are kicking yourself for not planning better. So freaking frustrating! Now, imagine the exact same situation,…

When you are trying to be responsible with your money, live by a budget and move closer toward your goals, it will feel like there is always something just around the corner that will try to derail you.  This happens all the time! If you don’t know how to plan for unexpected expenses, they could…

We are all looking for new ways to save money.  This is something I am constantly searching for…where is that one thing that is going to completely change my life and get me thousands of dollars?  One day I realized, there isn’t going to be one big thing.  It is going to be a bunch…