Thursday, 29 January 2015

You Have to be Pretty Cheap to Cut Your Own Hair

In order for the Simple Cheap Family to live on half of a single income, we've in sourced many services that we might have paid money for in the past.  

In the Simple Cheap Household we cut our hair at home.  I cut Simple Cheap Dad's with the clippers and the scissors.  I cut my own hair using this ponytail method.  I cut the Little Miss's hair however she'll let me. 

Simple Cheap Dad was looking a little shaggy around the ears and my ukulele night at a friend's was pushed back, so I offered to clean him up a little.

Monday, 26 January 2015

Cutting Difficult Expenses: I'll Miss You Data Plan

I'm an unabashed fan of budgeting, tracking your spending, cutting unnecessary costs, and focusing on spending your money how you actually want. (Exhibit 1: Our Family Budget.  Exhibit 2: My Money Rules)

I love finding new ways to make our money stretch further so we can reach the financial goals that motivate us. I love making things do double duty and figuring out how to solve problems without spending money.

Even after years of budgeting, our budget is still changing and I'm still finding spending to cut. As our lives change, our values do too, so it makes sense that our spending plan keeps changing too.

Thursday, 22 January 2015

Signup for SwagBucks to Make Money Online

WARNING


The following is an unveiled attempt to get you to sign up for Swagbucks with my referral link.  Other than being a user, I am not connected with Swagbucks in any way.  I have received no compensation for this post.  But, if you sign up for Swagbucks using my "Refer Friends" link, I will earn referral Swagbucks.  Just like you could for referring your friends.  

You know, once you sign up.  


Get it?

Monday, 19 January 2015

Why Do You Want a Budget?

The holidays are over and now 'tis the season for many to make the annual effort to improve their finances.

When you're used to spending as you please, suddenly having to stick to a budget can seem frustrating and discouraging.

Maybe you're used to shopping for pleasure or meeting friends for dinner.  Now those activities might not fit in your budget.  Maybe you are even starting to question your values now that you have to make choices about how you spend your money and therefore your time.

Thursday, 15 January 2015

Interviewed by Debt Discipline

Did you ever want to know more about Simple Cheap Mom?  Well it's your lucky day.  Today I was interviewed over at Debt Discipline.

The Debt Discipline blog follows a family who has recently finished paying off over $100,000 of debt.  They're now shifting their focus to building their wealth and it's very inspirational and exciting.

Thursday, 8 January 2015

January No Eating Out Challenge

I've mentioned a few times that if we don't stick to our budget then we'll just eat out all the time.  It's our weakness.  We always come back to eating out.

I know cooking everything from scratch is cheaper and healthier and I'm jealous of you readers that can git 'er done day after day.

Our commitment to home cooking seems to be tested over the summer when we travel more and then fall apart in the fall. 

Monday, 5 January 2015

2015 Budget for a Family with a Toddler

Personally I love budgets.  I love the planning.  I love the math.  I love setting little challenges for our family and tracking our success.

Maybe you're one of those baffling to me people who live without a budget.

Some people are so good with their money that they can manage their spending without one.  Some people just don't manage their spending (If that's you, I'd love to hear what you think of my 3 Money Rules).

I've been trying to decide how much of our family finances I should share with you all.  You already know that we try to live on one half of our single income.  But, the details of our income and expenses have been, well, vague.