How to Track Your Spending So It Actually Makes a Difference

How to track your spending so it actually makes a difference“Track your spending!” they say. “It’s so important!”

And so maybe you dutifully add up all of your expenses at the end of the month. (Or maybe you don’t.)

But here’s the thing:

  • Do you know why tracking your spending is so important?
  • And do you know how to track your spending so that it makes a difference in your life?

If your answers to those questions are no, you’re not alone.
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Regifting 101: Getting Rid of Unwanted Gifts Without Looking Cheap

Regifting done the right way: undeck the halls and rehome the gifts.It’s that time of year again — time to undeck the halls and get your house back into some semblance of its pre-Christmas order.

Too much clutter wears on a person, so this is an excellent time to take preventative measures for next year.

In addition to trashing or recycling any decor that may have gotten broken, deal with any gifts you may have received that aren’t quite your style or that don’t fit in your home.
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7 Easy Ways to Make the Most of Your Grocery Budget This Month

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7 ways to save money at the grocery storeEveryone likes saving money, right?

Since groceries are typically one of the larger expenses each month (and we all have to eat!) if you can find a way to save money on them it’s even better.

Here are some tips on how to maximize your grocery money.

1. Only buy what you need.

This may seem obvious, but it’s really not. Go through your cupboards, refrigerator, freezer, and recipe book before you leave for the store. Make a list of the ingredients you’ll need to make this week’s meals, plus any household goods you may need as well.

(Not sure what you’ll be having for this week’s meals? Check out my friend Erin’s $5 Meal Plan to make it super easy.)

Then, be sure you’ve had a snack before going to the store, because hunger pangs will make it much harder to only buy what you need. (If you’re like me, you’ll end up buying a bunch of junk instead.)

Leave the kids at home, along with anyone else that might be prone to throwing unnecessary items in the cart. If you must bring others, allow yourselves a maximum of one item each that’s not on the list as a treat, and set a dollar limit for those items as well.
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Want to Avoid Post-Holiday Regret? Take the Gift List Challenge

I'm taking the Gift List ChallengeAh, Christmastime. That time of year from now ’til December 24th when we hit the sales and buy buy buy, trying to find just the right thing (or sometimes just anything) for all of the people on our list.

And then comes January, with its credit card statements and post-holiday regret.

But it doesn’t have to be that way.

So if you’re with me, take the gift list challenge.
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