How to Save Money on Groceries Without Clipping a Single Coupon

Jen SmithFrugality, Personal Finance12 Comments

how to save money on groceries without coupons

The number one money saving tip people search for on Google is how to save money on groceries. Of course it is, food is one of the few things you need to survive and eating at home is way cheaper than eating out. But it’s also easy to go to the grocery store unprepared and walk out with way more than you can realistically eat. That’s why saving money on groceries is an easy way to drastically cut your spending and pay off your debt faster. I’ll also mention I’m not a huge fan of couponing, sometimes I feel like … Read More

How to Stop Spending Money at Restaurants & Start Enjoying Food

Jen SmithFrugality, Personal Finance14 Comments

how to stop dining out

If you’re looking to save money or pay off debt, avoiding restaurants is the quickest way to put big bucks back in your budget. But instead of depriving yourself, here are some ways you can make eating at home even more enjoyable than going out. What is it that drives us to revert to eating out when we’re tired or bored? Some people say it’s fun to get dressed up and go to a restaurant or it’s easier to have someone serve you your food and remove the dishes. If you really think about it, eating at home is just … Read More

Blink Health Review – How to Find Legit Cheap Prescriptions

Jen SmithFrugality, Personal Finance, Savings4 Comments

Prescriptions can be costly and often times unavoidable. They can take a tight budget and squeeze the last penny out of it. In my Blink Health review, I look at a company who’s trying to fight the status quo by the numbers. Having a surprise sickness while you’re paying off debt is not fun. Not only do you miss out on work and lose out on income, but the cost of doctor visits and prescriptions adds up fast. I see myself as a pretty healthy millennial. I’m not stressed, I eat a primarily plant-based diet, and I do Crossfit 3 … Read More

Thoughts and Feelings on the Start of our Last Month in Debt

Jen SmithDebt, Personal Finance14 Comments

We are officially in our last month of being in student loan debt. I thought this month would never come, but here it is. How I’m feeling about being almost debt-free. I’m not good at writing about feelings. If I take the time to write something I want it to help people, not give them an inside look at what’s going on inside my brain. But I see a lot of posts about people “in debt” and “debt free” but not many about being “almost out of debt.” We’re one month away from completing the journey of paying off $78,000 … Read More

9 Customizable Ways to do a No Spend Challenge to Kick Start Your Financial Goals

Jen SmithFrugality, Personal Finance6 Comments

Ways to do a No Spend Challenge

Completing a No Spend Challenge can do more for your finances than keep a few dollars in your bank account. Which of these 9 ways to do a No Spend Challenge is right for your financial goals? We’re on the cusp of paying off $78,000 of debt in less than two years. I’ve incorporated No Spend Months a few times over the course of our journey, usually after a big budget flop. I’m really bad at moderation. I’m very all-or-nothing, which has made it easier to commit to paying off our student loans but also makes me a horrible budgeter. … Read More

11 Get-Togethers That are Better Than Going Out

Jen SmithFrugality, Personal Finance20 Comments

free get-togethers

Sustaining your debt payoff momentum can be difficult and isolating. Since I’m all about journey over destination, here are 11 get-togethers that can bring friends to you and not affect your budget. 1. Game Night Games are the gifts that keep on giving. They’re reusable (as long as you can keep track of the pieces) and always a new experience. Everyone has a copy of Monopoly but og my friend, games have evolved since we were kids. Some games we love that are good for groups big and small are Saboteur, Catan, and Munchkin. You’ll be arguing about game playing … Read More

thredUP Review – The Good, The Bad, & How to Save Money Without Compromise

Jen SmithFrugality, Personal Finance13 Comments

save money on clothes with thredUP

ThredUP is the largest thrift and consignment shop on the Internet, but is it right for you? In this thredUP review, you’ll learn my experience with buying, others experience selling, and some alternatives to get you high fashion at low prices. I’ve been shopping thredUp for over a year and while I don’t buy clothes often I’m an outspoken advocate for buying them secondhand. I’m not perfect but I try to buy as much used clothing as possible. Shopping on thredUP   The thing I love about thredUP is the selection. It has more inventory than I can count and … Read More

19 Delicious Meatless Meals for Any Day of the Week

Jen SmithFrugality, Personal Finance26 Comments

meatless meals

Eating less meat isn’t just good for your health; it’s great for your budget. If you want to stretch your dollar farther at the grocery store incorporate these easy meatless meals into your week. With the release of multiple food documentaries on Netflix like Forks Over Knives, Food Inc., and What the Health, more people are looking to eat less meat and more nutrient rich foods. And for this frugal vegetarian of almost a decade, that’s a movement I can get behind. Because meat can break a grocery budget faster than a late night pizza delivery. I won’t try to … Read More

7 Best Ways to Save Money on Coffee

Jen SmithFrugality, Personal Finance19 Comments

Learning how to save money on coffee transformed my impulse spending. If you’re like me and want to spend more intentionally here are 7 ways to keep your caffeine fix from breaking your budget. For me, coffee isn’t just a jolt to get me going in the morning. It’s part of my routine, it’s a tasty treat that transitions me from sleeping to functioning. I’ve always considered myself a moderate drinker, not a bean snob but I won’t drink hot brown water just for the kick. I’m somewhere in the middle of my friends who go to Starbucks everyday and … Read More

How to do a No Spend Month That Will Improve Your Finances

Jen SmithFrugality, Personal Finance15 Comments

no spend month

If you want more money in your bank account at the end of the month and better spending habits then a No Spend Challenge might be right for you. Growing up my mom and I would hit the mall every weekend. I had ice skating lessons in a mall on Mondays so we’d go before those as well. And we were sure to make an extra trip to Target or the grocery store by the end of the week too. I was conditioned from an early age to think spending money is a hobby. I’m not the only one. The economy … Read More