Do you want to be cool or warm?

As things warm up or cool down we struggle to keep our homes at the temperature we want without paying a big bill. Here are some tips to help keep your home a pleasant place without breaking the budget. Keeping things clean Clogged air filters keep the air from coming through and make the motor run harder to push the …

Gifting Fabulously and Spending Little

We all wish we had the money to buy our loved ones a new car, or even a new house, but that is not something most of us can afford. But how do we celebrate special occasions with loved ones without breaking the bank? First, realize that we don’t need to get someone a gift for everything. In today’s world, …

Saving money on a budget

Saving Money When Money is Tight

We’ve all heard of the importance of having money saved for emergencies or layoffs. The question is, how do you save money when you are living paycheck to paycheck? I’m not a financial expert, but I learned a lot about stretching and saving my money when I was in college and starting out. I still use most of these tips …

Dining Out With a Budget

We’ve heard it all before, you can’t eat out it blows the budget. The first thing to cut to save money is eating out.  Hey! Just because we have a budget and need to watch where the money goes doesn’t mean we need to be martyrs, we still deserve a treat now and then. That’s what dining out is, a …

12 things to do that cost next to nothing

I’m serious, these are fun ideas that will cost practically nothing. This is a truly cheap, yet way fun, list. There is something on here for everyone! Learn About Your Town 1-We all live in someone else’s vacation destination. Utah is famous for some incredible parks, the Great Salt Lake, Dinosaurs, Skiing, and we can’t forget Jell-o. Learn about the …

How to save money on groceries

Saving Money at the Grocery Store

It’s a new year and the biggest complaint I keep hearing from people is how much they are spending at the grocery store. What can we do about it, we have to eat. How can we save money at the grocery store? It’s a common theme, one we see a lot, not just at the first of the year. There …

Breaking Generational Poverty

Generational poverty is when families grow up and live in poverty for at least two generations, usually more. It is caused by: As you can see from our list of causes, generational poverty is not something that is the result of being lazy. So often we hear people say, “oh, they are just too lazy to get a job, that’s …