Category Archives: Budget

savvy brown_no buy month

Frugal Fitness for Emergencies

What would you do if you lost your job? Do you have enough savings? Where would you cut back? What if you were out of work because you were recovering from surgery or an illness? What if you went through a divorce and the lawyer fees were astronomical? What would you do? I’m not asking these questions to freak you out, I’m asking them to get you to think about your worst-case scenario and how to be prepared for it. In other words you need Frugal Fitness for Emergencies.

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Other Uses for Coffee Filters, savvy brown

25 Other Uses for Coffee Filters That Are Really Helpful

In the No Buy Month Facebook Group, someone had a dilemma where they were frying food and were at a loss as to what they should use instead of paper towels to drain their food with. I suggested using coffee filters. Curious what else they could be used for I did a little research and voila! This list was born. (All of these are for the standard flared coffee filter variety unless otherwise stated). Continue reading

budgeting, savvybrown, no buy month

A (Realistic) 10 Step Guide to Budgeting

I read something very interesting the other day about dieting. Apparently, people who track what they eat, lose twice as much weight as those who don’t. Regardless of whether or not they make any changes to their diet or exercise more. Just the act of writing things down and keeping track of them makes people MORE MINDFUL.

The same goes for budgeting. Continue reading

savvy brown, no buy month, 3.0

Savvy Brown No Buy Month Challenge 3.0

Every February for the past two years I’ve done something called “No Buy Month” on the blog and invited others to participate. The purpose of No Buy Month is to basically put you on a financial diet for a month. It’s a great way to learn how to save money if you’re not that disciplined at following a budget. I was inspired by Frugalista, and how she got herself out of debt. The rules of No Buy Month are pretty simple. Don’t buy anything that is not a necessity. That means you can only pay for groceries, bills, medication, kid’s stuff (school supplies, clothes) and transportation. (gas, subway or train passes, parking passes for work). The first reaction I usually get is “No way! I can’t do that!”. My response is. What if you had to? Well, that happened to me, just last year. Continue reading

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Guest Post: Debt Free Divas Talk Budget Basics

Budget Basics

As “No-Buy” Month winds down and everyone begins to reevaluate spending choices, a conversation about budgeting seems appropriate. Creating a regular budget is your ticket out of debt. Period! You can dress it up. Call it a spending plan. Do whatever floats your boat. Bottom line, operating on budget makes your money behave. Without it, you have a finger in the wind approach to managing your finances. Like my favorite quote states, “When you know better, you can do better.” Continue reading

cable free, no buy month

10 Ways to Watch TV Cable Free

Continuing No Buy Month, here are some tips on how to save money on your cable bill. If you have internet access, then it’s pretty redundant of you to be paying for cable. With a little setup, you can save a ton of money on those cable packages and still watch your favorite shows cable free! Continue reading

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10 Things You Don’t Need to Pack When Traveling

I’ve been doing a lot of traveling lately for work and family and the one thing living out of suitcases teaches you is what you don’t need. After staying in a few hotels, friends houses and my folk’s place off and on over the past year I’ve got packing down to a science.The main thing I realized is that I was packing too much.

 

So this holiday season, if you’re headed out of town, here’s 10 things you don’t have to pack on unless you’re backpacking through the mountains. It’ll make your bags lighter, (and that’s money these days!), and your back straighter (the best part!) Continue reading

no buy moth, savvy brown

20 Things I Learned During “No Buy Month”

I hope all of you who participated in “No Buy Month” during February learned as much as I did. Not only was I surprised by what I could actually do without for a few weeks, it really made me think about what I actually spend my money on. As outlined in the “No Buy Month Rules” I paid bills and bought groceries, but didn’t buy anything extraneous unless it was with points or on a gift card that I already owned. Below is a list of what “No Buy Month” did for me. Continue reading