Are You Saving For the New School Year?

School’s out for the summer! That means you can forget about school until September, right? Not so fast! If you’re wise, you’ll begin thinking about September now and start saving for the plethora of expenses that […]

Adopting Through Foster Care: Is the Low Cost Worth the Risk?

Adopting Through Foster Care: Is the Low Cost Worth the Risk?

We just finalized the adoption of our toddler. We adopted through the foster care system, and though our particular circumstances were unique to us, adopting through foster care is becoming an increasingly popular way to adopt. […]

Financial Benefits for Foster Parents and Their Foster Children

For the past year my husband and I have been certified foster parents. In our case, we took in a relative who needed a home. Over the last year we have learned a lot about the […]

Keeping Your Teens Busy This Summer…The Frugal Way!

It’s the last week of school, and I’m looking ahead to summer. What am I going to do to keep the kids busy? My nine year old and my toddler are easy. Spray parks, library story […]

8 Fun and Frugal Outdoor Activities

8 Fun and Frugal Outdoor Activities

In many areas of the country, the weather is beginning to warm up. The temperatures are nice, but not stifling, and it’s the perfect time for getting outdoors. If you’re looking for some frugal outdoor activities, […]

Checklist and Tips for a Backyard Campout

Checklist and Tips for a Backyard Campout

Camping is a favorite summertime activity for kids. Even if you don’t have the time, money, or inclination to load up the camping equipment and head to the woods, your kids can still experience the joy […]

Affording Adoption, Without Debt

Many readers know that we are very excited about being an adoptive family. We adopted our girls in 2005 and 2008, both under unusual circumstances and with substantial fees that left our family happy and fulfilled, […]

Preparing for a Baby the Frugal Way

My life has taken a variety of twists and turns over the years, and our latest twist is that we are possibly (but not certainly) adopting. If it all works out, we will be adopting an […]

Inexpensive Ways to Keep the Kids Busy During Christmas Break

Inexpensive Ways to Keep the Kids Busy During Christmas Break

For most kids, Christmas break began this week. It’s exciting to have the kids home from school during the holiday, but if your kids are anything like mine, too much unstructured time spells trouble with a […]

Back to School Expenses: They Sure Add Up Quickly!

September is an expensive month. In fact, at times, I think I spend more money in September than I do in December at Christmas. Maybe that’s a bit of an exaggeration, but I do spend a […]

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Disclaimer and Legal Mumbo Jumbo

I'm just an average mom, trying to live a frugal life and get out of debt. I write about things that have (and haven't) worked to improve my family's financial situation. What works for me may or may not work for you, and you should always consult a financial advisor before making important financial decisions.

In accordance with FTC guidelines, I state that I have a financial relationship with companies mentioned in this website. This may include receiving access to free products and services for product and service reviews and giveaways.

Any references to third party products, rates, or websites are subject to change without notice. I do my best to maintain current information, but due to the rapidly changing environment, some information may have changed since it was published. Please do the appropriate research before participating in any third party offers.

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