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Live Your Life For Half The Price

Uncategorized Nov 07, 2017


I have been living by the statement "Live Your Life For Half The Price" for many years now. Full credit for this phrase is given to a woman by the name of Mary Hunt, who wrote a book by the same title. I am grateful to now "Live My Life For Half The Price", and have seen my cash flow improve exponentially by implementing this savings technique.

Here is how the concept of "Live Your Life For Half The Price" works.  You need to start purchasing all your consumable, reusable and non-perishable items for 50%, or close to 50% off the retail price. The 50% rule also works well in regards to purchasing clothes and shoes. By aiming to buy things for 50% off, you will increase your cash flow, and have more money to put towards building your wealth, crushing your debt, and realizing your dreams.

You can live an incredible life by living by the 50% rule. You will enjoy the same luxuries as everyone else around you, but you will have paid half the price that everyone else is...

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Emergency Fund

Uncategorized Oct 31, 2017


An Emergency Fund is a useful tool for everyone to have to deal with the unexpected events that happen in life. My Emergency Fund has come to my rescue more times than once when unexpected events showed up in my life. 

Whether you're faced with a sudden job loss, as I have experienced in my own life; or, your furnace unexpectedly breaks down in the middle of winter, having an Emergency Fund will allow you to get through all of these situations without having to dip into credit cards or other forms of credit.

Many financial experts recommend that you save between three to six months worth of expenses in an Emergency Fund. However, I recommend that you save between eight to twelve months of your expenses in your Emergency Fund. As mentioned previously, my Emergency Fund came to my rescue during what should have been one of the most stressful times of my life. I lost my job when I was three months pregnant; however, I did not divulge the fact that I was pregnant to my...

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The Supercharged Spending Spreadsheet

Uncategorized Oct 24, 2017


A Supercharged Spending Spreadsheet is used to track all the money that you have saved from the various cost-savings initiatives that you have participated in; such as the 7 day grocery challenge and the reverse budget. 

The goal is to put the money that you have saved from your cost-cutting initiatives into a savings account, and then, use the money to fund your life's goals such as buying a home, purchasing a car, or saving for your dream vacation, to name just  few things. 

The Supercharged spending spreadsheet lets you track all the money that you have saved, and also lets you begin saving for things you plan on buying. One tip that I recommend is to forego spending money on any item that surpasses a certain dollar figure (i.e. anything over $100), and to hold off from spending money on these items for 30 days.

Instead, place the equivalent of the amount you had planned on spending into a high-interest savings account, and then revisit the question of...

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The Grocery Challenge

Uncategorized Oct 17, 2017


In this weeks blog I discuss the Grocery Challenge. The Grocery Challenge entails the following:

1) You do your groceries on your normal predetermined grocery day;

2) You complete a meal plan for the entire week, and make sure to buy the required grocery items for those meals;

3) Then, for the next 7 days, you don't spend any additional money on groceries;

4) You can build in 2 to 3 items that you allow yourself to buy in the event that you run out of those staple items (i.e. bread, milk, eggs, butter etc.). Life happens, and this step allows you to plan for the unexpected things that arise;

5) After the 7 day challenge, you should feel empowered, and will hopefully feel inspired to extend the challenge to the next following week, and onward.

This challenge forces you to spend consciously, and also makes you spend money in a more intentional fashion!  It has saved me a lot of money, and I hope it saves you money too!

If you like this information, please...

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Reverse Budget: Figure Out Your Problem Area

Uncategorized Oct 10, 2017


A reverse budget requires you to review the past two to three months worth of credit card and bank statements to figure out what you have spent in the last few months.

It helps you target your problem areas, which, in turn lets you:

#1 Apply Money towards your debt repayment.

#2 Start Saving Money by not buying things associated with your problem area; and by putting money towards savings.

#3 Hone in Your Spending on the problem areas, which results in you having more money to put towards your goals.

If you like this information, please Subscribe to my Blog, and let me know what other type of information you would like me to discuss in future posts. Thank you!

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