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.
No Buy Month is an annual event here at Savvy Brown. It’s sort of a reset button for your finances, another chance to gain control and a truth serum for spending. What is No buy Month? In a nutshell, for the entire month of February you put yourself on a financial diet and only spend money on necessities. What constitutes a necessity? Check out the following list: Continue reading
The concept of multitasking your products is an easy one. Simply try to not buy anything that you can’t use for more than one purpose. When you start doing this, I swear it will change how you shop completely. You’ll be saving the environment by not tossing out as many containers, and saving money buy not buying as many items. Continue reading
You can save the environment and save money with a foaming pump dispenser. I have been using one of these* for a couple of months now and I’m still not out of soap yet. It’s a great way to save money on things like hand soap and dishwashing soap. I use this one with my castile soap. I poured about 1/8 cup of soap into the dispenser and added about 1.5 cups of water. The head dispenses foam instead of liquid which saves money! Continue reading
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
This is the classic chicken or the egg problem. Pay Debt or Build Savings? Which should one to do first? As we take on the No Buy Month challenge and reflect on spending habits – let’s consider this question. If you are in debt with limited (or no) savings, should you focus on building your savings or use the extra funds to pay off debt faster?
Let me tell you what I did.
Bento boxes are a great way to portion your meals and save money. Originating in Japan, they are now widely available here in the states and are one of my secret weapons for staying on budget and in shape. Continue reading
The first rule of No Buy Month is preparation and it’s actually not as difficult as it seems. Since No Buy Month starts next week, (it’s the whole month of February) I thought I’d collect some past no buy months posts to get help you get ready. You may need to buy a few things in order to make things work. If you’re at a loss how to get started consider this list your official No Buy Month Prep Guide! Continue reading
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
I’ve discovered two ways to get rid of fruit flies quickly. I made the mistake of bringing fruit home and then I forgot to wash it. It wasn’t intentional, I assure you. I usually use one of these fruit wash recipes. But as luck would have it when I walked in, my phone was ringing, my hands were full and my cat had apparently “malfunctioned” only moments before I got there. So skipped the fruit washing in order to handle everything else. Big mistake. About three days later I walked in and dropped my keys on the counter and it was like a fruit fly bomb went off. Continue reading