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Sunday, March 21, 2010

I will be away for a few days

I just wanted to apologize to the readers. I will be unable to do any updates for a few days. I have recently discovered that my husband is leaving, so I have to figure out my life. I am completely devastated about the separation and the fact that I am having to move out of my apartment. I just wanted to let you know that I have not gone anywhere, and I will be back updating on a regular basis within a week or two. Thank you for everything.

The plus side of the situation is that I will be focusing a lot more on my finances, so I will have things to share on a regular basis. Life is hard, but it will all be figured out.

Wednesday, March 17, 2010

Stressed about finances

I have been so stressed about my home finances the last few weeks. Our income tax check has helped, but I am trying to figure out how to pay the bills the next couple of months. I have been looking for a job, but have had not luck. My online income is doing better, but it will not cover everything that we need. It can be stressful at times.

My husband, Gabriel, has been working so hard to pay for everything. This stress is beginning to put a strain on our relationship. I am not used to being the person that needs someone to take care of me. I am used to paying my way for every thing. I have to pray that everything will be OK, and I feel it will be.

I will not let myself get depressed over our financial problems. There is too many things to be thankful for. The only thing I can do it continue to try and make our situation better. I am going to continue to look for employment, and keep working hard on my home income.

I am sharing this because I want to add a personal touch to this blog. I want you to understand that I have financial problems just like many other people in this country. I will not sugar coat my situation for this blog. This blog will show the good and bad about my financial situation. I want to help myself, as well as all of the lower income families that are out there trying to reach there financial goals by sharing helpful information.

If any of you are interested in earning a little money from home I have another blog that I share that my story on.

My At Home Income Blog

Monday, March 15, 2010

Make Saving Money A Second Income

We all look for ways to make an additional income, but why not use what we have. If you can find ways to save money in your home it is just like making money. The good part about this is you will not have to report it as an income. There are so many ways to save money on almost everything in your life. Think about things that you can reduce or even give up.

When you begin saving money, put that money away in a savings account. You can do this unless you have to use it to pay for a necessity, do not use it for play money in the beginning. Save the money until you have to have it, or for something special.

I have been doing this for a while, and it does help. We only have one full time income in our home, and my online income which is not very much at the moment. We had to find a way to make ends meet. We still have some problems paying some of our bills, but it could be a lot worse if I had not been finding ways to save when I could.

Think about it; If you can find a way to save $25 a week that would give you an additional $100 a month. That is actually 4% of a $30,000 yearly income, which is a very large amount that can add up quickly. There is an even bigger possibility of that income being a lot more if you can find even more ways to save money.

This is something to think about. Can saving money actually be the same as a second income? Yes it can if you determine ways for you to save the same amount as you would make at at the second job.

This article may be interesting for anyone trying to save money.

50 Real Ways To Save Money In Your Home

Make a Personal Organizer

A personal organizer is something that is great to have, and makes life much easier. The organizers that are available in most retails stores cost a lot of money. I have found some that have included the items that I needed for more than $40. Most of us cannot afford to pay that much for an item that is supposed to make our lives easier. It is actually very easy to make your own personal organizer without spending a fortune. This article will show you how. A personal organizer that you make is much less expensive, and you can personalize it to suit your needs.

How to Make A Personalized Organizer At Home

Tuesday, March 9, 2010

Save Money Grocery Shopping

Your grocery bill tends to be one of the most important bills. You have to feed yourself and your family. To save money on groceries you can use coupons, compare prices, and compare unit prices. I have written numerous articles about saving money on groceries, and I wanted to share them with individuals that are looking for steps to save money on there grocery bill. I hope these articles will help someone else, because there are a lot of us that need every dime that comes into our home.

How to Organize A Coupons Swap Group

Coupons can save you a lot of money, but we usually do not use all of the coupons that we get. Having a coupon swap group can help you and your friends save money by sharing coupons. This group can share coupons, money saving ideas, and recipes with each other.

Read the article in its entirety

How to Be An Organized Coupon Shopper

Coupons is a great money saving idea. Using them can be easy if you can be an organized coupon shopper. These are some very simple ideas for becoming an organized coupon shopper.

Read the article in its entirety

How to Organize Your Clipped Coupons

Clipping coupons can save you a lot of money on groceries, and many other items. One of the major complaints I hear from people is they do not know how to keep them organized. Many people miss the money saving opportunity because they can't organize there coupons in an efficient way. It is actually very easy, and inexpensive to do.

Read the article in its entirety

How to Get Checked Out Quicker When Using Coupons.

In today's economy there seem to be more people looking for ways to save money. Using coupons can save a lot of money. Some people tend to not use them, because it can take longer. If you are organized, and keep things in order, it will be worth your time.

Read the article in its entirety

How to Get The Most Out Of Your Grocery Money.

Our money going towards certain aspects of our lives are getting reduced. Groceries seem to be one of those areas. No matter what happens, you have to eat. Why not find ways to get the most our of your grocery money?

Read the article in its entirety

How to Make A Personal Price Book, To Save Money.

Saving money is important to us all. We all try to buy items at the best price, but it is hard to remember every price that we see. Making yourself a price book can help you remember all of the prices, and purchase items at the best price you can find. It will give you a reference guide for comparing prices.

Read the article in its entirety

How to Determine The Unit Price Of An Item To Save Money.

Calculating the unit price can save you a lot of money. I have been in a few different circumstances where I believed I would be getting a better deal with one item, but was very wrong. There are a lot of grocers that are putting the unit price on there labels, but do not update it when the item is on sale. This makes it very important for consumers to calculate the unit price. Doing this can reduce your grocery bill.

Read the article in its entirety

Saving Money That Your Spouse Does Not Know About

There are many different reasons for saving money that your spouse does not know about. It is usually because the spouse does not save like you, or spends much more than they save. I have to save money because my spouse spends like crazy. It is only on small things, but he does not realize how fast that the spending adds up. We are already living paycheck to paycheck, so I had to start taking a few different strategies to save money for us. I wrote an article that can help if you are interested in doing this. It is easier than you think to do this, and will help both of you when times get hard.

Read The Article HERE!

Saturday, March 6, 2010


Budgeting is something that a lot of people tend to have issues with. Without a complete budget you do not know exactly where your money is going every month. I have been a follower of a great website that offers tools for budgeting. The site is Better Budgeting. There is a lot of very helpful information of the site, it it makes budgeting much easier.

Budget Worksheets from Better Budgeting:

Basic Budgeting Worksheet

Dealing with Debt Worksheet

Monthly Spending Worksheet

Annual Spending Worksheet

All of these worksheets are free to use, and they can be very helpful. There is also a lot of other great information about budgeting on the site.

Monthly "Spending" Worksheet

Monthly "Spending" Worksheet

Friday, March 5, 2010

Repair Your Credit

My husband and I have had problems with our credit. I have completed a lot of research to find some of the best ways to repair our credit, and handle the creditors. I have been writing online articles about repairing your credit, and I wanted to share them with you. I have used all of these methods, and they have worked for me. Using these I have avoided having to pay someone to repair my credit, I did it all on my own.

How to Repair Your Credit.

Your credit is very important. You should do everything you can to keep your credit score at a high number. This is exactly what I did to repair my credit. It may take a little time, and effort, but it is well worth it.

Read the article in its entirety

How to Stop Creditors From Calling Your Job.

Creditors can be harassing. If you do not handle it properly they will continue to be that way. It is one thing for them to call you personally, but when they call your job it can cause problems. I have known of people that had to be disciplined at there job because of the creditors disrupting them at work. If you follow these steps you can stop there calls.

Read the article in its entirety

How to Pay Off Your Debt, In The Least Amount Of Time.

Most of us have debt problems. In the current economy, there are even more of us in that situation. We struggle with bills, and debt. There are options, and you should check them out before making any drastic decisions in your life.

Read the article in its entirety


I have signed up for Mypoints recently. This site helps you save money with coupons, shows you where to find special sales, shows you sites that has free shipping, and more. While they are showing you ways to save money, you can earn gift cards for many different retail stores.

I have only been a member of the site for about a month, and have earned enough for a $10 gift card, but I am going to let the points accumulate. This site is great for saving money, and making a little extra.


Welcome to My Blog Saving Money and Home Finances

I want to welcome you to my blog. I have been an avid money saver for years. I use coupons, compare prices, and find any other way to save money in my life. This blog will be a place for me to share some of my ideas and tips for saving money and home finances.

I hope I can share my experiences and help others. Please let me know if you know of any articles or tips about saving money. I feel we can all help each other in this tough economic time.