The Easiest Way to Save Lots of Money: Digit, Savings App Review

The Easiest Way to Save Lots of Money: Digit, Savings App Review

This post contains affiliate links. See Affiliate Disclaimer


Are you a saver or a spender?


Do you have things you would like to do?  Like take a trip, buy a newer car, pay off debt, but never seem to get enough money in your account to do it?

What if I told you I have a totally affordable digital software that will create a reality for you where you NEVER HAVE TO SAVE a penny EVER AGAIN! And you will still have money rolling into your saving account! And it doesn’t cost more than a cup of black coffee once a month!


To good to be true right? Or not!

Let me introduce you to my most favorite app in the world!



Digit is an app that automatically helps their customers save money. In fact they have helped them save millions and millions of dollars.

My husband and I decided to try it out and after just one week, we were hooked! It is literally mindless saving rather than the typical mindless spending! It was easy to see after just one week how this could be an extremely powerful tool to help us reach our savings goals without the pain that’s usually involved!

Digit is a software, app, website, and program that links to your bank account, tracks your spending habits and after a couple of days starts determining when it is safe to save. It then withdrawals small amounts of money from your account and puts it in a “Rainy Day” Digit Savings Account.

It is literally as simple as that. DONE!!

Let me tell you:  IT ACTUALL WORKS!!!

You Can Check It Out HERE: Digit


Check out these other great ways to save money:


The “Rainy Day” account is located on the Digit site and can be accessed at any and all times.

I love this because if you have your savings and checking with the same bank it is usually pretty easy to “steal” from your savings or not put money away at all! “Out of sight; out of mind” is a great mentality when it comes to automatic saving and investing!

Digit is great because it automatically puts small amounts into savings that add up in a BIG way!

My husband is a natural spender and if he was the only one in charge of our finances I would be shocked if anything in our budget would be allocated to savings. As it is we both feel like we don’t put enough away! Or we just want a decent “rainy day fund” for those things that come up (like Christmas in December in some cases! J) that we can go to when needed!

You can make a withdrawal from your Digit account at any time, and it will take 1 business day to be returned back to the account saved from.

You can determine how much is taken at a time if you feel that what Digit is taking is too much, or too random and would like a specific amount to be withdrawn on certain days.

You can name your account so that you have an actual goal! For example; Christmas Budget, Family Vacation, New Car, House Projects, Emergency Fund etc….

Sound too good to be true? You Can Check It Out HERE for Yourself!



When you sign up for the Digit Service you automatically get a Digit Savings account. This is where your money is saved for you after it is withdrawn from your bank account. The account is FDIC insured up to $250,000 so you know that your hard-earned money is safe and sound.

Each time Digit saves money from your account it will notify you of the amount saved, and the remaining balance in your account. The amount will vary depending on your situation and the amount of money in your account. Typical amounts are no more than $20 at a time.

Whenever you are ready to spend the saved money, all you have to do is text “withdraw” back to your digit text. They will have you save their information upon signing up, and you will have been receiving texts throughout the saving process. If you would like to check your balance, text “balance.” You can also text “minimum” to set up a specified amount you would like to be saved and no more.

It really is that simple!

The Easiest Way to Become a Saver Digit app



I recommend Digit because of the simplicity it allows even the worst saver! It allows you to put your savings on autopilot and not even have to think about it. It’s like having a personal digital accountant in your pocket!


Digit does have a monthly subscription of $2.99. There are no hidden fees. No transfer, withdraws, or service fees. It is strictly a $2.99 subscription. What you see is what you get.

Digit promises that you will never overdraft. They have perfected their algorithm so well and they track your accounts so closely that they will never allow you to overdraft into your savings. They even promise that if something were to happen that causes an overdraft fee, Digit would pay for it. (However, this is EXTREMELY unlikely)



The one thing my husband was worried about when I first signed up was if I could turn it off or pause it. (We were planning a vacation at the time and he did not want it on during our trip)

The answer is YES. You are able to turn off digit or pause it any time you like, setting up a date when you feel more comfortable starting up your savings again.



When you are handling your money electronically it can feel unsafe or unnerving. Especially when connecting to your bank accounts. So I’m sure you are wondering how safe the app is to use.


The DIGIT APP IS 100% SAFE. It is FDIC Insured up to $250,000.



The Digit Service is only $2.99 A MONTH. The price of 1 small cup of black coffee! How in the world can such a fantastic service with all it’s functions and benefits be so affordable?

Digit is so affordable because it makes money off the interest in your Digit savings account. Just like a regular bank earns income off the money sitting in your accounts. It does stink not to make a return on your savings, but the money would be so small it wouldn’t even make a difference. And the trade off is so worth it to have an automated savings!



All you have to do is:

Click Here Digit Savings Service

Sign up with your phone number

Connect your bank account to your digit account

Start Saving!


What do you think of this app? I’d love to know!

Do you have a hard time saving? Does this seem like something you would really benefit from?

5 Professional Cleaning Hacks to Save You Time and Money

5 Professional Cleaning Hacks to Save You Time & Money

Cleaning is always a task that takes ample amounts of time. Cleaning has always been a favorite pass time of mine personally, but I always HATE how much time it uses up in my day.

Today I’m going to give you my 5 favorite professional cleaning hacks to save you time and the job done that much faster 😊

You may also like these other posts:



In my younger days I worked as a professional cleaner. I loved it and loved the way we were taught to glide easily through our jobs leaving it immaculate as we went!

I have adopted the methods that they taught us through my motherhood and constant cleaning tasks! I hope you find something here you can use in your daily tasks as well!

Do you ever day dream of hiring help to whip around your house? Getting it sparkling clean and smelling amazing all in the hour you hired them to do it seems like a miracle! Your house could be professionally; dusted, straightened, shined, vacuumed, mopped, swiped and wiped!


5 Professional Cleaning Hacks to Save You Time


However; rather than pay for someone to be cleaning your house while you get other things done, here are some ways the professionals are able to save so much time while getting a house squeaky clean!


Here are my 5 awesome professional cleaning hacks to save you time AND get the same results as the professionals!


  1. Pre-treat

No matter what it is, if you want to save time the secret key all the cleaning fairies are using is “pre-treating.” It could be a pot, pan, tub, or even window sill, if it is an above average grimy job, pre-treat it. This is key for the kitchen as well.

  1. Dry It Out

Ever notice how amazingly perfect hotel bathrooms are? They are fresh, crisp, and above all DRY. This is key for a perfectly clean home. When in doubt, dry it out. This goes for towels, bath mats, and slip mats, scrub brushes, wash cloths, anything that could be damp and gathering bacteria.


7 Laundry Hacks That Save Tons of Money



  1. Divide and Conquer

This one is my secret sauce, and one the professionals use every day. They start in a room picking one task and finishing it until it is perfect. Say for instance the bed. They strip, refresh, make and perfect the bed. They don’t strip the bed, bring the laundry to the laundry room, throw in a load, and then head to the bathroom to start on the toilet.

They do one task till it is perfect. This will help you in the long run because in a matter of minutes if you keep to a task till it’s finished you will find your job completed and perfect. If you don’t know where to begin think of your room like a clock, start at 12 o’clock and work your way around 😉


  1. Figure Out Your Goal

I am a perfectionist. But some days perfect just isn’t in the cards. That doesn’t mean it can’t be pretty darn good though. By knowing your schedule and prioritizing your day you know how much time you have to get certain things done well. Find your “perfect” for the day. It will look different each day.


  1. Remove Before Cleaning

This is one I’m not too great at. I like to just get in and start the job. But just like painting sometimes tasks need a little “prep.” If you are painting a room you need to sand, tape edges, and lay drop cloths. Same with cleaning sometimes.

If you’re cleaning an oven remove the racks, if you’re cleaning a stain soak up as much as possible, and vacuum sand and dirt before scrubbing the stain. Keep in mind in all cleaning situations your best bet is always to remove as much as possible before you begin. This can go for counters, bathrooms, and tables as well.


There ya’ have it! These 5 simple hacks are going to save you so much time and energy! So next time you start to clean you home just remember:








If you have any cleaning hacks that you love using I’d love to hear about it! Leave me a comment or shoot me an email!

How I Saved $600 on Clothes in One Day for my kids

How I Saved $600 on Clothes in One Day (for my kids)

Clothing 5 kids every year, all year round can feel like a full-time job at times! 😊

It is always ironic to me how I almost ALWAYS discover who needs what just as we are needing to walk out the door!!

Son #1 needs new pants because they are ALL too short!

Son #2 needs new shirts because they are ALL stained!

Daughter #1 needs new underwear because I have neglected that item on my list for far too long!

Son # 3 needs new shoes because let’s face it moms, sons just don’t pass down shoes!

Daughter #2…. well, girls can pass things down for years so she’s pretty good!

It can be overwhelming to have to purchase so many items of clothing. Till I discovered a different way to do it! A way that not only saves me thousands, but let’s me purchase for the year at a one stop shop!

How I Saved $600 on Clothes in One Day for my kids


Let me explain how I saved $600 on clothes in one day for my kids! 😊


I know we all know about thrifting but this little hack took thrifting to a whole new level!

I shop frequently at Once Upon A Child. This is the #1 kids thrift clothes store in the nation. You can find their locations HERE.

They had a sale this spring where the local high school did a Relay for Life charity drive. It was a fill a bag for $15 dollars event. I went crazy!

I filled 4 bags. One for each child. I knew in advance what each child needed and the sizes they would be growing into soon. I grabbed frantically and these clothes were AMAZING! I wound up clothing all 5 of my children for $45 dollars for the next year! I saved $600 in one day on clothes and that is just by thrift store prices! These clothes look brand new!


When we got home I tallied up the prices that the second-hand store would have charged me.


How I Saved $600 on Clothes in One Day for my kids 2


Even if I had shopped at the thrift store itself I would have spend $660.00!! I spent $60 to fill up 4 grab bags as stuffed and overflowing as I possibly could.

I had:

Swim suits

Snow gear




Name brand jeans


Rain coats

Rain boots

Church cloths



I completely outfitted 5 kids for an entire year for $60 dollars!

I know that this kind of thing doesn’t just happen in my town! Find your local Once Upon a Child, or even high school, ask and see what kind of fundraisers and charity drives they are doing! Believe me; it’s worth it!

If you have done your due diligence and there is NOTHING like this in your area an alternative is church sales!


How I Saved $600 on Clothes in One Day for my kids


Local churches especially ones that have schools attached to them will usually have huge summer “garage sales” Everything is typically marked super low because they want to move the items donated by parishioners and they would rather get your .25 cents rather than have to find somewhere to donate all their stuff.

I have found so many wonderful things not just children’s clothes at events like there. Entire King size sheets sets in perfect condition for a dollar. Artificial Christmas trees, furniture, kitchen ware, children’s clothes, men’s tools, art, coats! Look in your local paper, ask around on Facebook, I can bet money that you will find a good church garage sale in your home town!

I hope you found something here today that will really help you save thousands like I have! Sometimes it’s all about who you know! 😉

8 Homemade Cleaners that Will Save You TIME AND MONEY!

8 Homemade Cleaners that Will Save You TIME AND MONEY!

I love anything I can find that is about saving time and money! I LOVE the word: hack! If someone says “hack your” I am all ears!!

Today I’m bringing you a cleaning hack that will save you time and money! 2 blissfully beautiful things! Save a trip to the store and save that money in your pocket! 😊


If you like this sort of thing don’t forget to check out these for more inspiration:


I can’t stand recipes that are only so-so. So, I’m not about to recommend them to you! Because I’m not here to waste your time! What I want strive to provide are legit ways that I have saved time and money that ACTUALLY work! Not ones that just sound like a good idea! As a busy mom of five, I am all about trying new hacks to save myself some daily headache! J


When we set out to clean we are taking time out of our busy schedules to get a job done. We don’t have time for recipes that only work half-way or leave your surfaces feeling gritty or filmy. These recipes have been tested and work very well!


8 Homemade Cleaners that Will Save You TIME AND MONEY:


Stop waiting for life to happen


Note: Lemon essential oil is my all-time favorite. It not only spells the cleanest, but it also helps to cut grease and grim.


The fridge can either be a beautiful sight or a disgusting mess. It is home to our food. It should be as shiny and bright and appealing as possible.

Take a regular dollar store spray bottle and fill ½ way with hot water.

½ cup white vinegar

½ tsp. of dish soap

20 drops of lemon essential oil

Give it a good shake and get to work 😉



A bottle of cheap vodka

4-5 lemons





8 Homemade Cleaners that Will Save You TIME AND MONEY!


This recipe is amazing for all kinds of wood floors. It leaves it shiny, and smooth. It also smells clean and fresh!


Get spray bottle from the dollar store

Fill it with:

1 cup hot water

½ cup white vinegar

1 tsp. dawn dish soap

Spray an area on the floor and wipe clean with a flat head mop. Which you can find a great option for a fabulous price for HERE.



Baking Soda

Essential Oils

Side note: I purchased Arm N’ Hammer Carpet Deodorizer a while ago. The smell gave me such a terrible headache from all the chemicals. I set out to find a better alternative. This is the best option for a gentle and mellow deodorizer for your carpets. It’s also great for cars, let sit overnight and vacuum up the next day for a clean and fresh smell!!



I tested about 5 recipes for my oven throughout the years. This one is a conglomeration of all the aspects I thought worked well for oven cleaner. As a renter the ovens were always my nemesis. After I created this recipe oven cleaning became a breeze!

An empty spray bottle.

2 cups white vinegar

½ cup of salt

½ hydrogen peroxide

¼ cup of Dawn Dish Soap


Sprinkle baking soda all over your oven and racks. Then liberally spay the recipe above until the oven is drenched. Scrub with a steel wool brush, (if you don’t have one on hand roll up a ball of aluminum foil and this works as a GREAT scrub brush!)

Let sit overnight, and the next day it will literally wipe off with a hot wet washcloth.


Homemade Clorox Wipes


8 Homemade Cleaners that Will Save You TIME AND MONEY!


I absolutely LOVE this recipe. It not only saves me money, but it helps the environment as well! I love that I don’t have to spend $4 on a jug of wipes that just get thrown in to my trash at the end of my chore day!

Take any old rags, t-shirt strips, or old socks would even work! Put them into a big jar.


1 cup water

¼ cup of rubbing alcohol

2 tbsp. Dawn Dish Soap

2 tbsp. ammonia (optional) (can be found at the dollar store 😉)

You may need to add more water depending on what kind of cloth you used to absorb the soap.



½ cup of Downey Unstoppables

¼ cup of white vinegar


Fill the remaining with water

After the mixture is in the bottle put the spray cap on and swirl around until the unstoppables have dissolved. This can take up to an hour.



I recently discovered that plain old baking soda isn’t as effective as “washing soda.” Washing soda is still baking soda it is only baked at a temperature that alkalize it so that it isn’t edible anymore, making it clean your home and clothes that much better!

To make washing soda:

Take a stainless-steel baking tray (preferably with sides such as a 9×13

Baking Soda about a ½ inch thick in the pan

Turn your oven on 400

Bake for 1 hour. Stirring 1 or 2 times in that time.

Regular baking soda has a silky feel. Washing soda will turn grainy. At this point take out of the oven and cool. Place in a sealed jar in a cool dry place.


I hope these homemade cleaners that will save you time and money work as well for you as they have for me! My home is still clean, and I don’t spend ½ the amount of money at the store anymore on toxic chemicals!

If you have a recipe that you love that helps you clean something in your house and saves you time from the store and money on the supplies, we would all LOVE to hear about it!! Feel free to email me or put it in the comments below!

Have a great day😊


Hidden Amazon Discounts You've Never Heard Of

Hidden Amazon Discounts You’ve Never Heard Of

This post contains affiliate links. See Affiliate Disclaimer

Do you think you are getting Amazon’s best prices? You might be surprised to learn that even with Prime Memberships, you may be leaving money on the table!

There is great and EASY way to find EVERY one of the hidden amazon discounts you’ve never heard of!


Hidden Amazon Discounts You've Never Heard Of

Amazon is known for its massive savings, free shipping, and best deals. But did you know that they may not ALWAYS be giving you the best deals out there?

We have all purchased items on Amazon and maybe even over-spent a bit while we’re at it! After all it’s so simple and easy to just click a button and have things delivered right to your door! Amazon makes it that way! It’s very smart on their part to have everything simple and convenient even down to suggested items or “Amazon’s Pick” of an item you search for on the site. But are you getting those items in your shopping cart at the absolute best price? The answer is; usually not!!!


how to get hidden amazon discounts you've never heard of


We have pretty much all heard of Groupon, Ebates, or even iBotta (if you haven’t click HERE to learn more) and other coupon saving apps and widgets, but have you heard of Honey?

It’s the simplest way to save money on Amazon that I have ever found! It does all the work for you! It is just a browser add-on that makes sure you are getting the cheapest price for your items! It does all the price comparing for you! And you get the reward of saving any money that there is to be saved!

No work, No Hassle or your part! It’s the best tool I have ever found out there for saving money while online shopping! You can learn more about it HERE!!!

I couldn’t believe it when I found this amazing little add on for my web browser. I was skeptical until I downloaded it and saw for myself that I could save $3 dollars on a school workbook for my son I had waiting in my cart! The item was already in my cart waiting for me to purchase and Honey made sure I got it for the best price possible! It’s THAT simple!!!!

Imagine how much you can save with Honey if you are a regular (like weekly) Amazon shopper!

There was literally NO EFFORT on my part. I clicked download, and all of the sudden I had savings!

This was just the beginning my friends!

As you all know I am a saver and am constantly preaching a frugal lifestyle as a way to reach your goals! I LOVE to save money and then put the money I saved from my efforts straight into my savings account. This Easy and Free way to save money is a game changer for me!

This widget is completely 100% safe and FREE!!!!!!


how to get hidden amazon discounts you've never heard of 4


Go HERE to read more and start saving today!

Check out these other Great Ways to save more of your hard-earned money:

How to Save Money When Decorating Your Home

5 Simple Ways To Save Money Today

How we Cut our Grocery Bill in HALF

10 Easy Habits Smart People Do to Save Money

How we Saved $600 in Just One Month


How to Save Money when decoration your home

How to Save Money When Decorating Your Home


We are thrilled to have this guest post from Kim over at! We highly recommend checking out her site for all things design and organization inspiration to turn your home into a sanctuary! She also knows how to stay frugal in the process of reaching your dream home goals! Just see how to start below!

Have you ever wanted to decorate your home and realize that kind of thing costs money?  So many times I get stuck in a jam when planning my budget and realize I don’t have the funds to redecorate. Here are some great tips on how to save money when decorating your home.


Hi there! My name is Kim from Our Home Living. Grace and Scott were kind enough to let me share some of my insight for decorating when on a budget. This truly is a topic most people tend to overlook when creating their budget. So let’s dive in, shall we?

Save Money When Decorating

What Can You Afford?

Most of us have a general understanding what our income is and where it goes after it hits the bank. The issue when it comes to decorating is having that allocated fund for everything you need.


What I want to stress first is that it is extremely important to pay your bills before you start buying decor. I have been guilty of this and it was a hard lesson learned. I was stuck in a pinch because I saw a pretty sign at Home Goods and thought it would look amazing in my living room. Little did I realize I didn’t have enough money to pay the car insurance bill later that week.


I knew I didn’t have a lot of money to work with when I bought that sign but I gave in to impulse. In that sort of situation, I wish I had started my fund/budget for decorating and had some cash on hand.


So make sure you have the money and it isn’t reserved for the important stuff before making a purchase.

Start With Baby Steps

This is in reference to figuring out what you can afford in order to save money when decorating your home.


If you know you want to redecorate your family room but are not sure where to start financially, take a step back. Plan everything. For instance, if I would have taken my time to plan the funds necessary I wouldn’t have succumbed to impulse and purchased that sign.


I would have planned out step by step based on my budget, even if it would take a while to get everything I would need to decorate.


If you don’t know where to start when decorating your home and need a little inspiration, check out my post: Need Inspiration for Decorating?




Getting What You Want for the Cheapest

Price shop. Really that is what it all boils down to. If you want to save money when decorating your home you have to shop smart.


Make sure to pay attention to sales. Some great sales are always after major holidays. So if you think you can hold off decorating a room until after such a time, I highly recommend you do.

Can You DIY It?

This is a question that should be asked every time you want to purchase something new if you want to save money when decorating your home. In the world of Pinterest and everything DIY, most pieces of furniture, signs, simple decor have, more than likely, some kind of tutorial on how to make it yourself.


For instance, I really wanted these industrial pipe looking shelves from Wayfair but when I found out they cost over a hundred dollars for not even three shelves my jaw dropped. So my husband decided to get creative. He created his own version of the shelves.


If you want to check out the shelves stay tuned at Our Home Living for the details as soon as they are ready.

Can You Get it for Free?

Free is always a good option but you still have to be careful if it is really worth it.


A few times I have been given old decor from family because they were freshening up the look of their home or it was trash to begin with. I think sometimes I am given things because my family might think I am crafty enough to repurpose things. Which isn’t entirely true.


Another great way to score awesome decor would be to ask if anyone is moving. I know it sounds weird, but hear me out. People that move give away so much stuff. They will usually host a yard sale before the big move. The goal of any yard sale is to 1.) Sell what you can to make a buck and 2.) get rid of it all even if you have to give it away.


This is a great opportunity to get free stuff.


I hope these tips provide you with guidance to save money when decorating your home.



Kim Calderon

Kim is a wife and a stay at home mom who loves spending time with her little boy. She likes managing her home and seeking out ways to improve her way of living.

how to save money
How to save money when decorating your home


10 Ways to Save Money on your Food Budget

10 Ways to Save Money on your Food Budget

The dreaded food budget. I despise the food budget. I can’t help but feel that I pay hundreds of dollars for good food that gets eaten by my 5 kids, just to pay for toiletries to clean up after it! J If you feel this way then you are always looking for ways to save money on your food budget too!!

It isn’t hundreds of dollars spent on new carpet or fixing the broken air conditioner! It just goes out the window on food that has to be spent the next week on food again and again. But no matter how I feel about the food budget; we all still need to eat!! 😊

SO with that said I am ALWAYS on the lookout for ways to save money on food.

The food budget is one of the biggest money suckers in the family’s typical budget. Especially if you have gotten the rest of your budget so low that there is no more wiggle room in it.

Personally with 7 people in our house it is one of our biggest expenses. I swear the people at the grocery store know me by name!

We have tried everything and let me tell you there are certain things that work and certain things that just don’t. Each family and situation is different. Finding what works for you is secret trick number one. Don’t be afraid to do unconventional things to make it work!

I’ve come up with a list of 10 Tips that I have found help me keep to my food budget AND save money, which is always the frosting on top of the cake for me! Here are 10 ways to save money on your Food Budget:

1. Meal Plan

First on the list of ways to save money on your food budget is meal planning!

Meal Planning used to always feel like such a big chore for me. Every time I would read those words I would skip over them, writing it off as information I already knew. Yet I didn’t apply.



Meal planning isn’t a strict schedule, only an outline of what is on the menu for your week. This doesn’t have to be day to day. Here are some of the easiest and most efficient ways I’ve discovered how to meal plan:

A: Ask your family what they are hungry for!
B: Check out what is about to go bad in your fridge or what you have in the pantry.

C: Check your calendar for any late or rushed nights this week and plan a easy meal that day.

D: Check the weather, any freezing nights where soup would be good? How about scorchers, 90 and up where watermelon and grilled chicken would suffice? Meal planning will help everyone in the family eat what they like and make your schedule SO much easier! It will also allow some good thought out meals in your head (or on your list) when you are walking the grocery aisles, keeping you focused and frugal!

ways to save money on your food budget


2. Meal Prep

Meal prepping is essential if you are anything like me. I am an extremely lazy cook! (Just between you and me I really hate cooking). But there isn’t much of a choice. I have found that I don’t like to sit in the kitchen for hours on end. I am much happier if I can make things when I am in the mood and have it ready to serve. Also, if you are making meat, prepping it for better flavor and texture is always best. Prepping is essential so you aren’t calling your husband to make that quick fast food stop because you have got it all handled for much less $$$!


3. Batch Cook

Third and going hand-in-hand with meal prep is batch cooking. Batch cooking is simply making large amounts of one item of food to be a quick “go-to” for later. I have certain items I ALWAYS batch cook such as beans, rice, and soup. These are great go to things to throw into a tortilla or make a bowl of when you just don’t have time and are on the go. You can batch cook roasts or whole chickens as well leaving you great options for sandwiches soups, casseroles and the like. This can provide a filling and cheap item to be used in with your meals in a pinch! For example if you are having tacos but just don’t have time to make the beans or rice (cheap fillers) you can just grab from the batch you made earlier in the week!

ways to save money on your food budget

4. Be Creative with Leftovers

Learning how to create a masterpiece out of a leftover is a skill! But knowing this will most certainly save you a lot of money in the long run. Like batch cooking, having the items pre-cooked and ready to go will help you to create many different dishes from 1 meal.

A leftover roasted chicken for instance can turn into the following:

  • Nachos
  • Loaded Baked Potatoes
  • Chicken and Rice Casserole
  • Shredded Chicken Sandwiches
  • Enchiladas
  • Soup and Homemade Bread

And so many more! It’s a great way not to waste food or money!


5. Never Get Low on Supplies

Shocking as this sounds it is one of the best ways to save money on your food budget! Whenever I let my resources in my fridge and pantry get low, I tend to lean toward takeout. By the time my husband gets home and dinner should be made or at least almost ready, I am in no mood to run to the store (You should never shop hungry anyway)!  For some reason I am terrible at timing when my food is going to run out. (Probably because I am always wanting to save money, I want just one more day before I must shop!) So a good rule of thumb is to not let your fridge get too low.

Going grocery shopping when you are on empty at home is an excuse to “over shop” and spend WAAAY over the food budget! It triggers the crises mode in our brain and suddenly budgeting goes out the window! Knowing we have some food back at home enables us to shop with a level head and stick to the food budget and grocery list!

ways to save money on your food budget

6. Make Your Favorites

There seems to be a trend or thought process that if we are eating at home the meals need to be extra healthy.  Unless extra healthy is your thing right now don’t let this thought process block you from making your favorites at home.

At home burger night or pizza night usually winds up tasting 500x better than if you went out and got it! And you save so much money by not eating out for those prices!

Give yourself permission to do nothing but good ol’fashioned pot of creamy mac n’ cheese once in a while! I bet the kids will love it! J Lighten up on yourself and enjoy life!


7. Track Your Spending

This is seventh on the list but was a huge game changer for us!

We would go to the store with our list, and our meal plan, but there was always something that caught our eyes that we needed to have or would be a nice little treat and we would grab it.

It wasn’t until we started tracking what each item cost and how many we purchased and knowing exactly how much money we were going to spend on our food that we started to realize how much we overspent every single shopping trip. You don’t have to be a math genious to calculate what you are putting in your cart! Simply round up or estimate close to where you are at with each item. It gets easier the more you do it!

Try it and you’ll be surprised. Remember if it isn’t on the list, then you didn’t initially need it.


8. Go Ahead and Eat Out

I like to eat out! As a mom, I like to have someone make and clean up dinner for me every now and again! Can I get an Amen!?

I know it’s expensive and puts a HUGE dent in the food money for the other meals I have to make. And yet…….the fact remains I LIKE TO EAT OUT!ways to save money on your food budget

I have lived many years feeling guilty for facts like these. For instance if I was to walk into a store I would bet that I will pick out THE MOST EXPENSIVE ITEM in the place because it is my exact taste! I’m naturally attracted to the more expensive items everywhere!

After feeling guilty for years about being this way, I came to the conclusion that I didn’t need to be ashamed of who I was, I just needed to work with it.

So I’m here to tell you, go ahead and eat out if that’s what you like. Pick the day that works for you, budget for it, plan the place and know your strategy. Split a meal and only get water if that’s what it takes, but don’t stop living life or worse drop the budget because it makes you want to cry knowing the things you enjoy are no longer yours until the distant future!

This actually can save you money on your food budget because it is easier to stick to the food budget and frugal meals knowing you get a “go out” night later that week! There’s no panic of getting sick of always cooking and meal prepping because a break is coming! It’s like getting to eat a cheat meal when you are on a diet but knowing that you have allowed it and will be right back on the diet for the next meal! It helps! 😁


9. Don’t Get Tricked by Coupons

Coupons! They make me laugh!! Have you ever gotten the ad for the week and all of the sudden find yourself needing things you didn’t even remember existed just because they have a coupon for them?

Don’t get me wrong coupons can be great especially for toiletries but when it comes to food, unless you had it on your list of things to purchase that week, don’t add it just because you found a coupon!! This makes you spend more, not less! And if it is something the kids won’t eat, your just throwing it away in the future anyway!
However if you are going to use coupons I discovered this amazing toolbar that you can download to your web browser that finds a coupon somewhere on the entire internet for the item that you are purchasing. Called WIKIBUY. It’s completely free and incredibly useful.

Don’t forget about Ebates. A fantastic service that offers you literally cash back on purchases you were already going to make online! Great way to put money back in that food budget!!

10. Keep a Fridge List

A life saver for me is my fridge list. This is an actual list you keep on your fridge! As soon as an item runs out I slap it on my list. This is a great help when you are focused on meal planning and forget that the salt is low or other essentials are getting down to the end. It also helps you to know, when you are walking through the store and see something you think you need but forgot to put on the list. It wasn’t essential enough to be put on the list so it can wait for next time!


There you have it! 10 ways to save money on your food budget and make your  money/meal relationship much easier!

Let’s be honest budgeting is hard work. It takes sacrifice and planning. But I know you can do it. I know that the life beyond this point is going to be amazing. See how we cut our grocery bill in half and continue to save money on food!

ways to save money on your food budget



We saved over $600 in just one month by changing some all-too-common habits that were draining our budget! Saving money starts as a choice followed by direct action. It takes discipline and intention. Your mind has to be made up that it is more important to save money for, (fill in blank) then to have instant gratification.

Saving money is hard. It takes discipline and dedication over a long period of time! We are not used to delayed gratification and things taking time these days. Just ask my 3 year old who complains if the load circle appears on YouTube! (Back in my day we had to actually rewind VHS’s)

This is why saving money for a future goal is so hard for us, probably more so than it was for past generations. It takes a lot of intense focus and drive, much like losing weight in a healthy way so that it stays off! My husband and I decided to see how much we could save in one month so that we could see some pretty quick results when it came to our saving goals.

See how we paid off $55,000 of Debt!

We have dreams of travel and adventure as well as putting our kids through college and so we have a lot to save for! So we focused our time and effort on saving money just to see what we could accomplish in 1 month and the results were amazing! We saved over $600 in one month by making some easy and some intense habit changes in our life!

And that’s really what saving money all boils down to; changing habits and goals. So rather than ordering Pizza at night we put money away for that car we have always talked about buying! It is all about your mindset and changing it to feel the gratification of knowing you are preparing for the future rather than comfort in the present.

Here is what we did to save over $600 in just one month:

Some of these may not apply to you but you may also have other areas of your life that could use adjusting in order to save money. The most exciting part about this is seeing the results in just one month! Feeling that excitement of knowing you are working towards your big dreams and taking charge of your future!

Cut Cable                                      $50         (Channel flipping is a boring waste of time)

Nix Netflix                                    $10         (More time to work on a side hustle)

Stop Eating Out                           $80         (Brown bag it and stop getting drinks/snacks at gas stations)

Grocery Shop Right                     $200       (Also see what you need to stock a frugal pantry)

Don’t go to Target                       $40         (Thrift shopping is a GREAT option)

End Gym Membership                 $50         (Enjoy outside instead)

Delete Shopping Apps                 $30         (It’s so easy to 1-click buy from a phone and spend a lot)

Consolidate Debt Payments        $100       (Lowers the payment in order to put more towards principal debt)

Stop buying expensive coffee     $40         (See how to “coffee” the right way on a budget!)

Total money we saved in one month:     $600!!!

That’s a lot of money to see in just a little bit of time! It really helps to see these kind of leaps so that focusing on your dream gets more exciting month after month knowing that you are working towards it!

See the Secrets of Real Millionaires 

Changing habits can be hard, but it does get easier once the determination is there. It also gets much easier to continue to save money once you can look back and see the benefit of it. For example; being able to look back and see $600 in the bank in just one month made us excited to do it again and again!

When looking at how you can save money this month, I would encourage you to stay focused on your dreams! Maybe even write them down in detail! That is something I have done many times! It helps while saving money for them in order to stay focused on what I really want! Comment on some things you have done that have saved you money fast!



When we think about “success” we think money. When we think money, we think of having so much of it that it no longer brings concern. Some of us may even think in numbers like millions or billions.

If you have any ambition to be successful at all, why not learn from the best?

I’ve studied millionaires for the past 16 years and becoming a millionaire has been a life-long dream of mine since I can remember! Although at first, of course; I didn’t have much of a plan. It was just wishful thinking; a dream rather than a goal.

Through the years however I have taken the wonderful advice of the ones I have studied and applied it to my daily life. After hard work and detailed application, things began to fall into place in ways that have taken my life and turned it around 180 degrees.

By applying the things, we learn; our lives can start to look like the ones we want to emulate. It’s so easy to read quotes, read books, and watch movies about other people’s success stories fiction or non. It’s so simple to then dismiss their success as a “fluke”, or just cracking it up to it being what they were “destined” for, but that’s not OUR lives. It safe to stay put. To not ever go out of our comfort zone. Safety isn’t success it’s average.

Here are 18 Things that typical millionaires have in common regarding good personal and money habits:

  1. Get Up Early


You don’t have to be up before the sun. But being up before people start pestering allows for time to focus and get the most done. It also allows for Personal time. Spiritual time. Mental time. These 3 things are things the world and other people do not allow for you, so you must chisel time out for yourself. Being up before the world starts pulling you each and every way allows for that time.

  1. Get Self-Employed

This one seems like a no brainer, it also seems to be said a lot these days with youtubers and bloggers up the wazoo. It was background to me for a long time. Something I dismissed for some unknown emotional reason. Self-doubt perhaps. But this one is truly an important factor. Either by a side-hustle or full on business getting self employed allows you the freedom to bring in any amount you set for yourself. Start with a budget!

  1. Take Risks

Taking risks is so far out of most people’s comfort zones that they literally never will do it. Not even once in their lives. Millionaires however have all taken some risk. Either on themselves or in an investment. Learn what risks are practical, safer, and will yield a return and then start.

  1.  Invest Consistently


Learn the numbers and get comfortable with it. Take a course, ask an advisor, do whatever it takes for you to understand what you are doing with your hard-earned money but then do it. Teach yourself how to make your money work FOR you.

Invest often. Don’t get scared and quit. Don’t sit on one investment. Invest often.

Invest early. It’s the hardest and most important phase for getting a foundation under your belt.

  1. Gratitude and Satisfaction

Millionaires are people who have had massive amounts of gratitude and satisfaction throughout the entire process. They learned early on to enjoy the journey. By being grateful in our present states and having satisfaction with the things we have and the achievements we have conquered we stop looking outside of ourselves for happiness. The happiest people have the most to offer the world.

  1. Cut Waste

Becoming a millionaire isn’t always about MAKING more money. Part of it is taking care of what you have and not wasting it. See: the best ways to start saving! That goes for time and resources as much as belongings. Cut the waste out of your life as much as you can and keep what you have and your life will see great returns. See the best ways to cut the waste out of your grocery budget!

  1. Be the Best NOW


People who are successful are typically the best in their field or expertise. Be the best NOW!!! Don’t wait until the money starts coming in. Give the best of yourself. Show up. Excel at whatever you are doing but excel NOW. Be the best waitress. The BEST cashier. Smile. Bring Joy and value. Make people laugh. Be attractive and you will attract. If you hate your job, change it. If you can’t change it create a business, you will love. Just remember you can’t start a business tonight and quite your job tomorrow, it will take time. But the time will pass if you start one or not. So, you might as well start creating your future today. While you are at it though, be the best version of you.

  1. Figure Out Your “Why” First

If you don’t have a reason you don’t have much of a pull. How will you be willing to do what it takes if you don’t have a reason behind you. It doesn’t have to be profound or elaborate. Figure out what your reasons for stepping out of your comfort zone and into the unknown are. This will keep you going in the hard times. This will be the drive to get you to the top.

  1. Believe in Yourself

More times than not we sit on the sidelines watching. We are all afraid. Don’t be fooled. All the millionaires I’ve ever spoken with have had a point in their lives where they were afraid.

Most millionaires didn’t have parents who handed them a bank account after school. They came from where you sit today or worse. Also most of them were so scared and they didn’t know what to do, but they kept putting one foot in front of the other. You can’t run the race sitting on the bleachers. You have to get off the sidelines and start. Believe that you have something to offer that no one else does. The world is waiting for you!

  1. Start Small

Little sacrifices add up. Start small and slow. You don’t have to go all in. Just do 1 small thing each day that moves you forward. You want to build momentum. These millionaires didn’t get here in a day. They followed a process. They started small and slow and eventually they won the race.

  1. Plan B

It’s important to have a plan B. Otherwise we let road blocks get in our way. We set ourselves up for failure. Create a plan B to keep moving forward. There will always be road blocks and doors that slam shut. Don’t let it be discouraging.

  1. Don’t Purchase These 2 Things


There are 2 things in life that we are programed to need, want, and continually buy. New Car’s and New Houses. Resist the urge as much as you can. As the money starts to come in remember that the Mazda you drove to get to class will still get you around. The house can be fixed and upgraded.

  1. Make Your “Millions” Come to Life

What does being a millionaire mean to you? It means something different to each person. There are no two people alike. A millionaires lifestyle to you will be a completely different picture to me. Paint your picture. Dream. Visualize. Sometimes when we think “millionaire” we think in money, but money has no feeling. Think about what a day in your life would look like if you made a 7-figure income. This is your million come to life!

14. Planning, Commitment and Perseverance


Plan your money so you have plenty at the end of the month. By making more or cutting expenses, whichever you prefer. Create and commit to a plan, then persevere. The hardest part is perseverance through the hard times.

  1. Get Rid of Bad Debt

Learn the difference between good and bad debt. Avoid consumer debt at all costs, but don’t neglect the benefits of good debt. Good debt is a debt that is an investment that will grow in value and generate long-term income.  Purchasing a home would be an example of “good debt.” It is an asset that typically grows in value and is sold for a profit.

  1. Avoid Peer Pressure and “The Jones’s”

Its super easy to get sucked into the trends and what other people are doing or having. Social media makes it even easier to be constantly up to date with what everyone is buying.  This is where remembering your “million come to life” comes in very handy. Always having that scene playing out in your head of what your day will looks like after you achieve your goals is the perfect tool to keep you on track and let the Jones’s be.

  1. Learn How to Work 10% Harder Than the Average Person

  • The average person comes home and watched Netflix.
  • They get up in just enough time to maybe shower before work and head out the door.
  • The average person lives paycheck to paycheck.

Learn to work only 10% harder than that and you are bound to succeed. See the Habits of Successful People vs Unsuccessful People.

  1. Never Stop Learning


Never stop reading, listening to podcasts, studying the people you want to emulate. Don’t give up on your dreams and always be working on reaching them. The minute you stop learning, is the minute you give it all up. If you don’t understand something you must research it until you do. And if you fear something; do it until you are comfortable. Never stay comfortable, because comfort is average!

Remember becoming a millionaire is NOT hard to do, but so it NOT becoming one. It’s a choice in the little things.

  • Working a bit harder.
  • Setting aside instant gratification
  • Being grateful for what you have and are experiencing
  • Stepping out of your comfort zone
  • Investing in yourself

Through my 16 years of study these 18 things ring loud and clear as common denominators. If you can implement them into your life now slowly but surely you will start to see a snowball effect of results.

Never give up on a dream just because of the time it will take to accomplish it. The time will pass anyway.”
― Earl Nightingale

Where will you be in the next 10 years? Will you risk your comfort, learn to work 10% harder, and ignore the Jones’s to be able to give your advice for making 7-figures?





Want to know how we cut our grocery bill in half? Well, believe it or not there is a wrong way to use coupons and shop the deals, even when you are saving money with your grocery shopping. Grocery chains spend so much money on marketing and advertising. They spend this money knowing it will pay off! After all, they are a business that is in it to make more money.

It’s no surprise that they spend so much on studies and human behavior in order to know exactly what will attract the most spending by us! Don’t get me wrong, I’m not saying that these companies are bad! From a profit standpoint, they actually do a very good job! It is up to us to be smart enough to see and realize the right way to use their coupon and ad system to our advantage rather than theirs!

I learned this early on in our marriage when we started grocery shopping together for the first time. My mom was a devoted couponer and her mom before her. They didn’t go crazy enough to get shopping cart-full for pennies but they were pretty close!




It took a while for me to catch on to how I was being played by the grocery ads. I wasn’t using them to my benefit as my mom had done when I was a kid. 5 kids later and it is absolutely essential for me to get this right when I go grocery shopping! This is a great way to actually save money shopping instead of feeling like you’ve been played!

Before kids, we would grocery shop together (back in those romantic days) and I would bring my coupons along and know what was on sale. Like most newlyweds we had little money and wanted to keep as much of it as we could! We bought everything that was on sale or that we had coupons for, in the name of saving money.

This turned out to be a disaster! It seemed like we were saving money but ultimately that was not the case! We were missing some key elements that everyone should consider when trying to save money on their groceries!


Here is the breakdown of HOW WE CUT OUR GROCERY BILL IN HALF:

  1. Comparing Stores



We did not look around at other locations once we found a coupon. If avocados were 2 for $3 with a coupon, I didn’t bother to see their regular price at other stores. This is a huge deal because sometimes the coupon or ad prices don’t beat the competitions regular prices on certain items!

Grocery stores do this because they can’t afford to sell everything at a deal and tend to try to make some good money (this is called profit margin) on high demand items. So it’s important to see if the “deal of the week” is actually a deal or if you could find it for much less at another store. Just because it’s a featured ad or on a coupon doesn’t mean it’s the best out there!


  1. Buying Only What You’ll Eat



This one was huge for us but is 10 times more important now that we have 5 little mouths to feed! Our kids tend to be picky eaters (as all kids are) and there is no point in getting a deal on something that will rot away in the fridge because no one likes it! Sure you can get ten cucumbers for $6 but if nobody likes them, then you’ve wasted $6-not to mention your time shopping.

My husband (who is in the Finance world) calls me the “Home Economist”. It’s my job to save money and keep our lives running as efficiently as possible just like it’s our business (which it is). I have to keep us running at a profit in order to use our hard-earned money for important things! And throwing out food is not on my list of important! See how I was able to save us hundreds by changing this one coffee habit!

It may look like a great deal on the ad page but it’s not worth it if it’s a waste of money! Just like those Black Friday deals that are selling luxury spa sets that you know you’ll never use but like the idea! You buy it and there it sits in your closet because it was “such a great deal”. We can’t afford to do this every time we go to the grocery store!


  1. Getting a Little Extra



Speaking of shopping for what your kids will actually eat; get an extra one or two when it’s on sale! If your kids eat bananas faster than monkeys in the jungle, buy some extra when they go on sale. Just don’t buy so many that you’ll have to be throwing them out at the end of the week.

When blueberries or some of their other favorites go on sale or have a coupon, I like to buy extra so that on my next grocery shop, I can skip that item knowing we have some at home. It saves money and adds to the concept of not throwing out expired or rotten food, because they devour it!



Even when shopping just for yourself this concept saves some serious cash! If you consume coffee like an addict (guilty) and your favorite brand goes on “buy 1 get 1 free” go for it! Buy 2 or more and stock up and save money! That way when it is back at regular price, you won’t be buying any at least for a while.

I had a friend who used this concept with gift cards. During the Christmas season his wife and he would purchase Target gift cards that were marked down on a sale for 10% off. They bought $900 dollars’ worth of gift cards! Yikes! However as a result; they now had $1000 dollars in gift cards! They use these the rest of the year buying NECESSITIES (that’s the key word there) at the store. Yes, still shopping the coupons and best deals there. So right off the bat they were ahead $100!

That’s some serious home economics!

  1. Learning the Layout


Grocery stores (and all stores) are laid out to maximize store profit (you’re spending). I actually know this because my husband has also worked in markwting and for a large grocery chain as well! This is why the toilet paper is usually at the back of the store! Therefore; you have to pass every other item to get to it! Let the spending commence!

From insiders: all of those cameras in stores are not just there to catch shop lifters. No, they’re there to study our shopping habits, how we enter the store, which direction we walk, what catches our eye. Yes they’ve put this much thought into it down to what you smell when you walk through the door and what music is playing to get you in the shopping mood! Grocery stores usually have the upbeat tempo and smell of fresh baked goods to put you in the mood!

No wonder they make so much money! My advice on getting through this system that is designed to make you spend is something that I force myself to always do:

Bring A Grocery List!




If you sat at home and wrote down all of the essentials that are needed than you can shop confidently knowing that anything not on that list is not needed.

When I have my list, something will catch my eye (like it’s supposed to) and I will sit there and debate if I need it. If it’s not on my list that’s my answer. It’s like the little Angel on my shoulder telling me what to do “if you didn’t write it down it wasn’t important enough to get you to the store”. If it is on my list, that’s my permission to get it, it’s a necessity that is needed in our household. Also, I’ve looked at the ads and researched which location it is the cheapest at!


  1. Getting the Best



This one is a personal habit and can be difficult if your schedule doesn’t allow for the right timing. Grocery stores have fresh delivers on specific days of the week. For some its Tuesdays and Thursdays while others could be every Wednesday.

Knowing when the store gets their product trucks unloaded is really nice! There have been a number of times where I’ve seen a great deal, but by the time I get to the store, they have run out of the item. You know, because everyone else saw that deal too! Instead of having to come back for one or two items, it’s nice to know what day they get their shipments in and make it there preferably that day or night!

This allows my grocery stop to be one stop, per store and I walk out with everything I’ve needed at the best price possible!



Before I followed these guides for shopping my food budget was much higher! I’ve managed to cut that budget IN HALF by spending a little more time planning for my grocery shop! It has been a life saver as our family grows and our kids eat more and more! See also what we did to save $600 in one month!


My grandma is a now a multi-millionaire and still cuts coupons and shops using these methods! These shopping tricks have helped us free our finances and free up income to use for our long-term goals!  I truly believe if you put in the effort to follow these rules you too will see your household budget grow rather than the grocery stores!

Remember that being a home-economist is a full-time job! The money you save is money you earn!


“A penny saved is a penny earned.”

-Benjamin Franklin