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Welcome to Budgeting Basics and Beyond where I teach families to organize their budget so they can selectively splurge and live a more relaxed and enjoyable life.  My philosophy is that extreme budgets, much like extreme diets, often lead to failure and make the situation worse.  We don't need to eat ramen noodles for dinner every night and deny ourselves every comfort or luxury.  But we also cannot go wild with spending in every area of our lives.  It's all about achieving a financial balance and deciding what is most important to you.

There was a time in my life where I lived on the edge of my finances, spending and splurging on anything I saw.  Guess what?  I wasn't able to do the things I loved, like travel. I frequently found myself unable to participate in social activities, even something as simple as going to lunch with a friend, if they fell too close to paycheck time, and my bills were not paid on time.  Just thinking about it makes me feel stressed.

I finally decided enough is enough.  This was not the example I was shown when I was raised, and it's not the way I wanted to live my life.  That's when I took control of my finances and developed a forward looking plan.  I can help you do the same!

Ziplining across the Royal Gorge is just slightly less frightening than facing debt.

 


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I always said (before I was married or had a kid) that if I had to drive a mom-mobile, it would be a Taurus SHO. Lots of power paired with a big trunk and 4 doors. What could be better?
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I grew up going to the dragstrip to watch my dad and my brothers race. I wanted to be the next Shirley Muldowney driving a top fuel dragster.
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As a full fledged adult these days, I still really like fast cars, but I never go to the dragstrip. I do own a Taurus SHO, just like I wanted umpteen million years ago. It was pretty darn fast until last week. A very handy thing when you need to get up to speed for proper merging. Am I right?
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The ultimate mom-mobile has some very serious issues right now. It exceeded any car fund I had available, or even any amount I was willing to spend on a 9 year old car.
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The whole thing stopped me in my tracks. How did this happen? It's paid for, it's kept in great condition, I'm up on maintenance and am very aware of anything happening that isn't right. This isn't supposed to happen to me.
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As the old saying goes, $hit happens. I'm happy to report that I did find a place to repair it for more than $3k less than the original quote. It's still a lot, but I"ll sleep better tonight.
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Meanwhile, you can catch me downloading a mileage tracking app so I have an accurate count of how often the car is used for side hustle purposes so I can write off part of this repair.
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The moral of the story? If you want to own a car that is a high performer, keep your car emergency fund proportionately high. Or get a Prius. 🚗
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My regularly scheduled programming was rudely interrupted this week by a $7500 estimate to repair my car. WHAT?!?!?! Stay tuned while I figure out the best way to handle this little conundrum.
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Spoiler alert: I'm having a towed to a different shop this morning who already quoted $600 less for labor.
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#carrepair #carrepairtips #carrepairing #carrepairs #carrepairtip #shoparound #ShopAround #moneysaving #savingmoney #shopforless #budgetingbasics #budgeting101 #budgetcoach #mompreneur #entrepreneur #momboss #aintnobodygottimeforthis
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As promsied, the Ibotta instructional video. If you haven't downloaded the app yet, use my referral code dbnqhmf to get an additional $5 to start!

DM me if you have questions using the app, it's a good one!
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A Ford Raptor PowerWheel. A cold air induction kit for a Ford F-150. Filters for a humidifier. Two rounds of miniature golf. The Heroin Diaries e-book. A juice from the gas station. New t-shirts. Hotel rooms. Oh...and numerous groceries. What do all of these things have in common?
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I got a rebate for purchasing them through the Ibotta rebate app.
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So many people think it is just for groceries, which is not true. Ibotta has deals with literally hundreds of retailers to offer rebates. Some are valid in store with a scanned receipt, and some through the retailers website. The offers and amounts change often.
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Install the app on your phone. Use my referral code dbnqhmf when you sign up to get an extra $5 to start. Click on 'Find Offers' to see what is available by category.
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Stay tuned for an instructional video later today. If you are not using these rebate apps, you are truly missing out on some good savings. So far in 2019 I have gotten $160.03 back from this app alone.
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And before you ask, NO, I have not purchased any ovaltine or other items that I wouldn't normally buy. (Somebody asked specifically about ovaltine...lol). I am buying things I would be buying anyway, just doing a little extra research to save some money.
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#ibotta #extracarebucks #couponfamily #couponcommunity #walmartdeals #ibottadeals #ibottarebates #couponing #walmart #walmartcouponing #couponer #deals #couponlife #freebies #budgetingbasics #budgeting101 #budgetcoach #budgetmom #shoponline #mompreneur #momboss #entreprenuer #ovaltine
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Who else is a Game of Thrones fan? I am such a big fan that pictured here is the cake from my 40th birthday, which was a few years ago.
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I started the books and the show at the same time, so I can objectively say I like the books better, but I would never say I don't enjoy the show. I mean, it did bring us Khal Drogo, right?
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Over the last two years while I waited for new Game of Thrones material, I re-read the entire series and re-watched every show. #dontjudge
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What did you do to keep yourself occupied during the drought?
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#gameofthrones #gameofthronesseason8 #gameofthronesinspired #gameofthronessyndrome #gameofthronesisback #gameofthronesartwork #gameofthronesfans #gameofthronesfanart #songoficeandfire #winterishere #georgerrmartin #daenerysstormborn #housetargaryen #queenofmereen #breakerofchains #queenoftheandals #dany #stark #winterfell #grrmartin #season8 #gameofthronesseason8 #fanart #budgeting101 #budgetingbasics #budgetcoach
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