Start Saving Money… Because No One Else Will Do It For You

You work hard for your money, you deserve to keep it. Here are some of our best posts on saving money.

 

Our Most Popular Saving Money Posts

The 10 Best Ways to Transform Your Budget Right Now

Hey! I'm on holidays this week so Tim from Atypical Finance has graciously offered to help out with this weeks article. Tim knows his stuff, so I asked him to share his best ways to transform your budget. There is some great info in here so I hope you loved it as much...

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Ultimate Family Camping Checklist – Free Printable

Who doesn't love the chance to get outside and go camping with the family?! Camping is a great budget friend and frugal family outing everyone enjoys. The hardest part with camping was that we always felt we were forgetting something. Enter our ultimate family camping...

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Have You Normalized Your Spending?

A few years ago I was visiting a childhood friend who had moved to Atlanta (btw Atlanta is one of my fave places to go). As we were driving back to his place the conversation turned to money. "Remember when we would get our allowance, it was $5 and we felt like we had...

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12 Ways To Save Money Eating Out

Eating at restaurants is my financial kryptonite. Still every now and again it’s fun to go out to eat with the family or friends. The key is not going crazy. We have some tricks we use to save money eating out. There are a few key areas that if you can master make...

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Credit Card Strategy | How We Maximize Our Cash Back

Since becoming debt free we look for ways to optimize our spending. I call this Money 2.0 because it's the next level of money once you have all of your expenses and spending under control. We have been thinking about what the best way is to optimize our spending....

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Have You Normalized Your Spending?

A few years ago I was visiting a childhood friend who had moved to Atlanta (btw Atlanta is one of my fave places to go). As we were driving back to his place the conversation turned to money. "Remember when we would get our allowance, it was $5 and we felt like we had...

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How to Save Money on a Rental Car: We Saved 50% Doing This

Ideally, if you could drive your car to wherever you are going it would be better. You would save money on airfare, and you wouldn't have to worry about driving a rental car. Plus, you would have the familiarity of driving your own car. But not all trips allow for a...

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Top 5 Free Family Entertainment Ideas

(Hey! Today I have an awesome post today from Tracy over at EarnitSaveit, make sure to check out her site after you have read these great ideas on free family entertainment) Family time is priceless, but the money spent on family entertainment often leaves us with...

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Great Gifts for Your Teacher

Whether celebrating Teacher Appreciation Week or just planning to thank a teacher at the end of the school-year, it’s always best to get them something they will truly appreciate. That said coming up with great gifts for your teacher can still be a challenge. Ask your...

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How To Easily Save Money On Electronic Accessories

When it comes to saving money, obviously I'm a big fan. But I have a blind spot. Electronics. Spending money on electronics is my financial kryptonitie. So when I went to my friends house who had just decked out his man cave I had to pick his brain about how much it...

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How A Family of 4 Is Flying to Hawaii For Less Than $2000

Hawaii feels like the pinnacle of family travel.  Since I’m encroaching 40 (I feel like if I keep sharing this fact I'll get used to it... it's not working so far) I decide this was the year to do it. Now that we are debt free, we are moving to a Money 2.0 frame of...

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18 Easy Ways to Save Money On Electricity

Your electricity bill is one of your biggest on going monthly costs.  It's one of those costs that is literally costing you every second of the day. If you have anything plugged into an outlet, chances are you are paying money to keep it charged through out the day....

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Is Pay Per Mile Car Insurance Right For You?

Did you now that 65% of Americans drive less than 12,000 miles a year? Do you know what's not fair? Paying the same amount of auto insurance as someone else when you barely drive your car. It doesn't make sense. Luckily Metromile has come out...

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How to Save Fuel and Money Too!

When it comes to driving, there is one cost we can (somewhat) control and that’s fuel. Let’s face it owning a car gets expensive. Fuel is your biggest on going cost so looking for how to save fuel makes the most sense. Luckily there are a lot of easy things you can do...

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How Much Do You Know About Life Insurance Medical Exams?

This is a sponsored post in collaboration with Health IQ, for more information please see our disclosure There's a significant gender gap that no one's talking about. While our attention is focused on narrowing the gender pay gap, many don't realize that fewer women...

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7 Surefire Ways to Save Money at Target

Before I tell you some great ways to save money at Target I need to get something off my chest. Full confession. Our family is a little obsessed with Target. K. That's a lie. Our family is HUGELY obsessed with Target. Phew! I feel better getting that off my chest. I...

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The What, Why, and How of Emergency Savings Accounts

This is a sponsored post in collaboration with Health IQ, for more information please see our disclosure Whether your goal is to pay off debt or save up enough money for your dream vacation, working out your budget is the first step. You can find countless articles...

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The Biggest Issue With Most Money Problems (And How To Fix It)

In the next few minutes I'm going to show you the answer to your money problems and how to fix it. But First A Quick Story (I promise it's worth it) : There once was a small child who lived in a village. Every morning the child would go to the well to help...

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How To Save Money On Electronics

With the fast-paced changes happening in the world today, especially around of technology, finding ways to save money on electronics and cut costs has become even more important.  Here's a few ways to save money on your electronics below none of which will cost you...

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How to Save Money on Alcohol

Often the biggest drains on a family's finances can be the little things that add up. Take alcohol, you probably don't spend a ton on it. But a drink here, another one there. Then that one glass of wine that somehow turns into the whole bottle over the course of the...

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21 Surefire Ways to Save Money with Kids

Do you have young kids? Are you living paycheck to paycheck or looking for new ways to save money with kids? Having young children can be very expensive. Even though they don't physically take up much space, the stuff that comes with a child and the dent in your...

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We All Work For Apple Inc a Little Bit Every Day

Like with every product launch, Apple's newest iPhone iteration drew massive lines and tons of media coverage. The one thing that stood out to me was a comment Apple CEO Tim Cook said over the weekend. He mentions that the high cost of the latest iPhone, a $999...

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How to Manage Finances in a Marriage

Marriage is a wonderful. thing. But trying to figure our how to manage finances in a marriage can be tricky. We don't all have the same values and ideas. Plus we bring with us the past experiences of how our own parents managed (or didn't manage) their money. Since...

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How to Budget For Christmas

Did you end up with a credit card bill shock last January because you didn't budget your Christmas gifts? It's the time of year to start thinking about your budget for Christmas. We don't want the same surprises as last year, so this year we are going to fix that....

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How to Handle Your Credit Card Being Stolen

You know how you worry about a ton of things. Then something happens to you that you have never worried about. And it throws your whole world of worries into disarray? That’s what happened to me this week. Tuesday afternoon my phone rang. Since my phone hasn’t rang...

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How Much Money Does A Disney World Trip Really Cost?

Disney World is a once in a family lifetime trip. It's that trip the kids dream about and that us as parents want to give them. There is just one little problem. The cost. How much does a Disney World trip cost? The answer will depend on your situation but I will...

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How to Save Money On Back To School Clothes

Every summer brings around more ways to know how to save money on back to school clothes. Because as your kids get older there will be more and more pressure to express their individuality. They are developing their own identity, and they want to be unique. That's why...

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How To Save Money On Groceries

Food is a huge area of spending when you’re a family with growing kids. Any way you can cut your food costs is a considered a win. When it comes to saving money around food, realize that it all counts. Lets get started on how you can save money on your grocery bill...

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8 Mistakes to Avoid When Buying a Used Car

 Hey Everyone! I have a great post today from  David, the founder of CarUnderstand. He's offered to share some insights into buying a used car and how to avoid some of the mistakes we all make. Owning a car is a privilege because you can get to many places without...

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Why I Fired My Financial Advisor

I had a long overdue conversation with my financial advisor this past week. For the longest time, I have been putting a little bit of money in to mutual funds. These funds haven't exactly been performing too well (understatement of the year).   To give you a...

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30+ Easy Ways To Save Money on Utilities

When we started our operation financial freedom we knew that we had to save money everywhere we could.  One of the things we did was to start looking at the recurring expenses namely: Utilities. You know, those pesky expenses that come out every month that we don’t...

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Watch out for Gateway Expenses

Not all expenses are created equal. Some things we buy and that's the end of it. Like a cup of coffee. It's just a coffee. Yet, other expenses are the beginning of a much larger more expensive pursuit. Those expenses are gateway expense.   Gateway Expense...

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28 Things We Gave Up To Be Mortgage Free

If you are new to this site, we became mortgage free at the beginning of this year. More recently, we just became debt free this past week!!! One of the questions I get a lot is "How did we do it". While I usually allude to having a big "Why" is more important that...

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4 Things You Must Do Before You Go To The Grocery Store

4 Things You Should Do Before You Go To The Grocery Store When it comes to the big 3 for daily spending it's Home, Food and Transportation. Food is by far one of the more challenging ones.  The big issue with food comes from lack of planning. When you don't have a...

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The Simplest Way To Control Your Credit Card Spending

The Simplest Way To Control Your Credit Card Spending I was at a get together recently and I had this conversation with someone, that if I'm being 100% honest,  I think I have had mentally about a thousand times before I actually had it out loud. "I need your help...

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7 Things You Should Be Saving For Every Month

When it comes to my extra savings accounts I love a good plan. There are key things that we should all be saving for every month. Because things inevitably breakdown (like the hot water tank that only breaks at 2 am for some reason). Having these accounts set up in...

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The Budget That Changed My Life

The Budget That Changed My Life This past month we finally paid off the last of our debt. We are officially debt free. To celebrate this, I thought I would share the budget that we started with 10 years ago that has been the catalyst for changing our lives. The...

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4 Quick Ideas To Save On Christmas Spending

4 Ideas To Save On Christmas Spending(Before I begin make sure to check out my interview with the His and Her Money Show Podcast, I had a lot of fun talking with them about how we became mortgage free) Christmas season is officially here.If you managed to get some...

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What’s Your Daily Spending Rate?

  What's Your Daily Spending Rate? I was sitting at dinner a few weeks back with some friends and we got to talking about money. I had been playing with the idea of a personal daily spending rate and really wanted some insight. As we waited for our entrees, I not so...

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Save More Money

Save More Money (This is an updated version of a story I heard about a preacher, I adapted it for personal finance community) There once was an amazing personal finance blogger who posted incredible material every week. People from all around the world would flock to...

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7 Things to do Before Buying a House

Being a first-time homebuyer can leave even the most balanced person feeling a little off. There are so many things do before buying a home that you need all the tips you can get. Buying a home is a huge rite of passage for everyone and if done right can actually be...

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6 Cool Tips to Save Money and Avoid Debt on a Family Vacation

 (Today's great guest post is from financial writer Patricia Sanders. Enjoy!) Family vacations are a must for me since they give me an opportunity to recharge my batteries. They give me a chance to have unlimited fun without any worries about business meetings and...

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How to Stretch Your Household Income

How to Stretch Your Household Income Income disparity is growing, leaving many earners to make do, with less. But even if the middle class is shrinking, there are still ways to stretch a small income. With discipline and commitment long-term budgeting success is...

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How to Handle Your Kids Allowance

When it comes to kids getting allowances, I'm a huge fan. There are many pros to kids starting to earn their own money. But like every parenting move, I'm also left wondering if what I'm doing is right. Is what they are doing to earn their allowance too much? Too...

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100+ Ways to Save Money

There are a lot of ways to save money, from coupons to apps, to common sense things that we can forget to do there are tons of things. Here are over 100 ways to save money in your daily life. These ideas won't feel like a lot but they are a big part in how we managed...

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10 Ways to Save Money at Work

Going to work is a fact of life. One thing that we don't always think about is that work is expensiiiiiive. For all the time we spend at work making money, we rarely consider ways we can save money at work. After all we go there to make money so thinking about how we...

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8 Ways to Get Your Kids Tuned In To Scholarships

8 Ways to Get Your Kids Tuned In To Scholarships   (I have a great guest post for you today from Andrew at SchorlashipFly.com I'm not at the point where my kids will be needing scholarships but it's something that I'm starting to think about as my kids get older.)  ...

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8 Super Useful Tips to Save Money On Car Expenses

Remember your first car? Having the freedom and flexibility of driving anywhere you wanted. It was like discovering a brand new life. Shortly after you start to realize that for all the freedom a car can offer there are many more expenses that come along with it....

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Should You Pay for a Cash Back Credit Card

Sometimes doing smart things with money can feel counter intuitive. I had an interesting thing happen this past week and I thought I would share it with you. A friend and I were out having lunch, nothing fancy just a good burrito. When it came time to pay, he pulled...

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Fintech Services That Need To Come To Canada

Something I haven't mentioned very much is that I am a proud Canadian. I'll admit I have a tendency to fit into some of the stereotypes. I play hockey, this winter we built a quinzee with the kids (like an igloo, but easier), and if someone tells me to say "About" I...

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The Benefits of High-interest Savings Accounts

The Benefits of High-interest Savings Accounts RateHub.ca (Hey Everyone! I'm on holidays this week so while I'm away check out this great post from Rate hub about the benefits of High Interest Savings Accounts) If you want to save, you have a number of options of...

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How to build your family’s emergency fund

This is a sponsored post When it comes to handling family budgets as well as personal savings, couples need to set aside extra funds in case of any emergencies. In fact, experts call it ‚Äėa necessity‚Äô even though there‚Äôs an increase in the amount of people who feels...

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That Time I Almost Threw Away $100

There is nothing worse than buying something and feeling like you have paid too much. Or finding out you could have saved (more) money if you had only done it a little differently. This is how I just about threw away an extra $100 in this past week. Quick Background...

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Review of FreshBooks

Last time Family Money Plan posted about Freshbooks we were giving their 30-day free trial a shot. Here is a quick review of Freshbooks and what we thought of it. What is Freshbooks? FreshBooks is an online accounting software that helps millions of non-accountants...

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How We Cut Our Home Phone Down to $4 a Month

  How We Cut Our Home Phone Down to $4 a Month - Ooma Review 2018 How We Lowered Our Home Phone Costs to $4 a Month (This is a review for Ooma a home and smartphone service, I have been with them for 2  3 years and I love their phone system. It's nice to have a phone...

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How to Save for Disney on $20 a Day

There comes a time in every parents life where your kids realize that Disney just isn't movies. (Sigh..) They realize it's the most magical place on earth.  Usually, that realization comes when someone else in your kids class goes to Disney first and comes back and...

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How to Get Better With Money: 5 Obstacles You Must Overcome

Getting better with money can feel like this maze that is something out of a Stephen King novel, but when you break it down there are only a few reasons why we slip up when it comes to money. Once you know these you can get better with your finances and start yourself...

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Is Debt A Drug?

Here's a question for you: Close you eyes and figure out what I'm describing... Wait! Open your eyes, this won't work unless you are reading. Doh! Ok. Ready? Here we go: What would you call something that: Is easy to get your hands on. Gives you instant gratification,...

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How I Saved $630 in The Save My Savings 30 Day Challenge

Just over a month ago I had an idea to start tracking my savings from all my purchases. It seemed pretty simple. Any money that was saved between the regular price and the sale price would go into a separate bank account. At the end of the month, I would see how much...

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Do You Need Insurance?

I don't like to think about the final D word. Right now we are in the process of re-evaluating how much insurance we need. There's a lot of questions around all of this. These are the biggest one's I keep coming back to and the ones that I need to figure out right...

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The Simple Retirement Calculation Keeping Me Up At Night

The Simple Retirement Calculation Keeping Me Up At Night Do you remember what it was like being a kid and not being able to fall asleep because you were so excited?! How you would lie in your bed starring at the clock wanting to fall asleep, but getting so excited...

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Take the Save the Savings Challenge

Introducing the Save the Savings Challenge The whole idea of this goes back to a conversation I would have with my dad every few months. Whenever I would buy something new (or used in a lot of cases) I would proudly come home with it and show it to my dad. He would...

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Giving Freshbooks a Try

Since starting this website I have had a bunch of new business items come up. Getting ready for tax time this year made me realize that I need to get some systems in place. Otherwise I'll be wasting a ton of time in a year organizing and recording things.  While I...

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How to get financially smart in the year ahead

If there is something we can all use after the holidays it's a financial check-up. If you feel like your credit card bill is so big it needs it's own mailbox, you aren't alone.  It seems to come every year... family gatherings, work outings, shopping, christmas...

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I’m Not Cheap, I’m Being Frugal There’s a Difference

I have to say this first off I absolutely love the personal finance blogging community! It's a great group of people being frugal minded (sometimes) and sharing their great (and not so great) experiences with money as they go through life. I'm the new kid on the block...

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Easy Ways to Save Money on Every Purchase

Everybody loves a good deal. The question is "Are there Easy Ways to Save Money on Every Purchase?" There are some easy ways to save money, personally I have a few strategies I use when I want to buy something.  While it can be easy to get caught up in the emotions of...

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How to Start Asking for a Better Price

I love a good deal. I'm from Winnipeg, a place where you don't brag about what you bought. You brag about the deal you made.   The actual product you get is a distant second to deal that you got from asking for a better price.   Some people love the thrill of the...

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My First Money Lesson

There are a lot of first in our lives. The one that I am always curious about is the first lesson someone has about money. I call it...   My First Money Lesson I believe that this can be a truly defining moment for a person. It definitely was for me. When all my...

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How To Save On Satellite Radio: We Saved 40%

This past year we finally broke down and bought a new car. We spent a year looking at the one we wanted. Weigh all the pros and cons and ended up buying a brand new 2015 Toyota Highlander.   It's not frugal but it makes sense for our family and honestly I love it. We...

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