Budgeting Archives – Page 3 of 4 – Simplified Motherhood

7 Myths and Overall Popular Excuses Not to Budget

September 10, 2019September 19, 2019
by Jessica Whitney

According to Gallup, 32% of Americans do not keep a detailed household budget. This fact combined with the average household debt level of $135K makes me even more motivated to get the word out about the absolute FREEDOM that budgeting can bring you. I mean, jump for joy, loving money freedom.

All of this data tells me that most likely, if you’re reading this article, you’re looking for ways to become motivated or stay motivated to better manage your money, whether it be because you’re behind on bills, because you want to make a career change, or just because want to create a secure financial future for your family.

Before you begin your first budget, you need to understand the many commonly held myths and quite frankly, popular excuses for not budgeting. It’s time to get real, friend! Do any of these apply to you?

Budgeting

9 Steps To Get On a Budget When You’re…

August 8, 2019August 25, 2025
by Jessica Whitney

When you are already behind on bills, the thought of starting a budget seems overwhelming and just not worth your time. But in my opinion, what’s not worth your time, is the weight you are carrying around unnecessarily.

Here are some tips for how to start a budget when you are already behind on all the bills.

There are affiliate links in this post, this means when you click on a link and make a purchase, I might receive a commission at no additional cost to you.

Budgeting

How to Thrive as a One Income Family Post-Baby…

May 9, 2019May 14, 2020
by Jessica Whitney

I’m going to tell you right now, this post is less about specific tactics for how to live on one income with a baby and more about encouragement and mindsets you absolutely need to live on one income with a baby.

I remember when I was considering quitting my job, I was afraid of going down to one income. “Would we be able to pay the bills?” was actually keeping me up at night, but there were other fears there too. Not only because my husband had a variable income, but because I was afraid our lifestyle would have to significantly change as well.

I decided to unpack and discover why I was so afraid to become a stay at home mom and to live on one income.

I’m here to share with you that if you desire to stay home with your beautiful babies, raise them yourself, and enjoy a stay at home mom life, then you should do it!

You shouldn’t let the fear of not being able to live on one income get in the way. Let’s discover some mindsets that will help you get there!

Budgeting

How to manage a budget at home for busy…

April 15, 2019April 30, 2019
by Jessica Whitney

Yaaaassss! I’m so excited you decided to start a budget! This post is all about how to manage a budget at home successfully even when you’re super busy.

I used to think that budgeting created more work for me – and I suppose it still does. But I associated that work with frustration and wasted time. Instead, I found the opposite! Budgeting brings peace and comfort and confidence in our financial situation, whether good or bad.

That’s why I’m here. I’m here in this blogging world because I want to help families like YOURS start budgeting with confidence in order to help you to stop feeling terrible about your spending habits and to start living a more abundant life!

If you’re new to budgeting, I encourage you to start with the Beginner’s Guide to Budgeting as well as this Simple Budget Template Printable.

Budgeting

6 Half-Way Good Reasons for Budgeting

March 9, 2019March 27, 2019
by Jessica Whitney

According to Gallup, 32% of Americans do not keep a detailed household budget. This fact combined with the average household debt level of $135K paints a picture of the perfect financial storm brewing on our home fronts. This worries me you guys!

I think I can safely assume you wouldn’t mind someone coming alongside you to support you in starting and sticking to a budget.

Let’s talk 6 real life reasons you need to start a family budget today.

Budgeting

The Beginner’s Guide to Budgeting for Families

February 27, 2019May 14, 2020
by Jessica Whitney

I’m passionate about helping moms live life abundantly by overcoming mom burnout. While this can mean many things, living by a budget reflects a life lived with intentionality, purpose, and a focus on the important things.

Ask any of your mom friends what’s one thing they wish they could change about their life, and they would probably say something like:

feel less stressed about money

This is why I think budgeting is too important to not talk about for young families. Well, really any family, but if you’re here on my blog… I’m guessing you might be a young mom just like me (Oh heyyy!).

In this post, I simplify the budgeting process and give you all the basic tools to start budgeting.

Here’s a Free Simple Budget Template Printable to get you started! Or, if you’re looking for something more detailed and customizeable, here’s a budget spreadsheet collection for families.

Budgeting

10 Tips to Save Money Fast Plus a 52-Week…

January 28, 2019October 29, 2020
by Jessica Whitney

I totally prefer to take a problem, and then break it down into bite-sized pieces to make it easier to digest. This is probably why I love money challenges so much. They are such a good way to save money fast!

The money challenge I have for you today, is especially good if you’re saving for a vacation on a tight budget, or if you simply want to build a $1,000 emergency fund because you’ve recently started a budget.

To start the challenge, here’s the free money challenge printable.

Budgeting

9 Side Hustle Ideas for Stay at Home Moms…

January 22, 2019December 11, 2024
by Jessica Whitney

After you filled out your 2020 budget, are you struggling to balance your budget because you simply don’t have enough income? Are you looking to make extra money from home as a stay at home mom working park time?

That’s great! I was in the same boat not too long ago! I get it, I worked full time until my oldest was 4 years old! And I dreamed of the day I’d be able to stay home with my kids because it seemed like I never got to see them.

We dropped our kids off at an in-home daycare at 7 in the morning and picked them up around 5. Between dinner and bedtime routine at 7:30, I spent about 2-3 hours with my kids each day. That was it! And it broke my mommy heart.

After becoming a stay at home mom a year ago, I’ve been scouring the internet for ways to make money from home with a side hustle that was worth my busy schedule.

I wanted to share some ideas I’ve found so that maybe you, too, could make a little extra money each month (without actually finding a job).

There are affiliate links in this post. This means if you click on a link and make a purchase, I might receive a commission at no additional cost to you.

Budgeting

No Spend Challenge Free Printable: Tips for a 15…

January 16, 2019January 14, 2025
by Jessica Whitney

It’s a new year, new you, right? Well, if it were only that easy we would all be meeting our New Year’s resolutions right away! One of my favorite ways to start off the year is with a no spend challenge to stretch myself and really break old habits.

My friend mentioned she and her husband do a No Spend Challenge in January right after the Christmas holidays, and I thought that was a GREAT idea for my readers who are interested in starting a budget in the new year. If you didn’t save as much as you wanted at Christmas, then this is a great challenge!

Since you all are learning to be money savvy mamas, doing a no spend challenge might be just the kick in the pants you need!

Whether you’re a beginner at budgeting or you’ve already grabbed the best budget template for couples, this is a great challenge to jump into.

There are affiliate links in this post. This means if you click on a link and make a purchase, I might receive a commission at no additional cost to you.

Budgeting

How to save money for vacation on a tight…

June 10, 2018December 17, 2024
by Jessica Whitney

In this post, I’m going to dive into my favorite tips for how to save money for vacation on a tight budget.

When we had a newborn in the house, I often dreamed about hot sand, ocean waves, and salty air. Unfortunately, with four kids we don’t get to the beach nearly as much as I want even now.

I can’t wait for our kids to get older so we can start taking a beach vacation every year! Do me a favor, and take a vacation for me!

Here are tips on how to save money for vacation on a tight budget.

Do you have a copy of the free simple budget printable?