Saving. Giving. Living Abundantly.

piggy bank images

“Do all the good you can. By all the means you can. In all the ways you can. In all the places you can. At all the times you can. To all the people you can. As long as ever you can.” ~ John Wesley

 

 

Recently I heard a great theory on finances from John Wesley that Dave Ramsey mentioned. (Have I shared lately how much I love the Dave Ramsey Channel on I Heart Radio?)

 

From what Dave Ramsey said (I couldn’t find an exact quote), John Wesley had the following beliefs on how to order your finances:

  • Give 10 percent.
  • Save 10 percent.
  • Live on 80 percent.

 

How simple (although not always easy) is that? Depending on where you are financially, that may sound like way more than you can imagine saving and giving right now. . . or it may be less.  But I love the idea of a very concrete, simple way to plan your finances, and know that it makes such a difference in how we handle our own finances when we put a plan of action into place prior to spending.  Even if giving and saving 10% sounds overwhelming at the place you’re at right now, consider trying to save and give just 5%, and slowly moving up towards your goal in the course of the next year. . . I promise the fruit of your labor will be abundantly blessed!

 

Do you have a pre-determined plan for every dollar in your family’s budget each month, or have you seen changes in your budget when you’ve chosen to give and save first?  Whether you have a ridiculously organized budget (like my sweet engineer-of-a-husband organizes), or even just a simple plan of attack each month, simply choosing your financial priorities before spending a dime can have a significant impact on your finances.  I’d love to hear your thoughts. . . please take a minute and leave a comment to share!

Be sure to also read this post including tips on how to invest wisely ~ it’s made such a difference for our family, and I know it can change your family’s future too!

Clever Use For Plastic Container

 

See how Lydia from Five for Five Meals made this super practical First Aid kit for her kiddos for just pennies, and came up with a great way to re-use her Crystal Light Containers. (So smart!)

 

 

Have you come up with any other great ways to re-use plastic containers? Leave a comment to share, and check out Lydia’s post to see how what she included!

 

Are You Investing Wisely?

I talked with my husband earlier this week about writing this post, and when I asked why he thought it was important for people to invest wisely, he quickly replied “So you don’t have to use coupons forever!”

 

Ahem.  Clearly he doesn’t realize we’ll be clipping coupons until the day we die.  Even if we have a billion dollars. (Sorry, honey.) ;)
However, in a tiny way he’s right. Back when my  husband got his first “real” job out of college, he immediately opened an investment account for retirement. At that point he didn’t have any debt, and knew just enough about investing to understand that starting early could change his financial future.

 

Because that’s the way he started, it’s what we’ve always done. We’ve always known that a certain portion of our income was untouchable, and it’s automatically gone towards retirement savings from the very beginning.

 

I realize though that we were incredibly fortunate to start things out early that way. The fact that he was out of debt from day one gave us so much more freedom to save for retirement. He was also incredibly fortunate to receive wise financial council from the very beginning (which I’m so thankful for!) However, not everyone is in that boat, and you may be someone who just doesn’t know where to even start.

 

Whether you have a little money or a lot of money to save towards investments, every penny you save now towards retirement will be worth it. My dad talks a lot about the “Rule of 72″ when we talk about investing (he’s smart like that), and while it’s not perfect advice, you can bet within reason that on average, every seven years, the money that you’re investing now will double.

 

Double. Every seven years. Did you hear that?  

 

Over the course of time, that doubling can really add up, and while it can be difficult to choose to put money into savings when you’d rather spend it else where,  watching your own money grow over time can be some great motivation to keep at it!  Check out this Investment Information from Dave Ramsey that I thought was invaluable . . .

 

Even if you’re 40 or 50 and don’t have a retirement account, it’s never too late to start. If you are 40 and save just $2,000 a year in a 12% mutual fund, you will have nearly $334,000 by age 65—or more than $425,000 if you wait until 67 to retire! While you won’t have the most luxurious retirement, you can draw a decent yearly income—about $34,000 if you account for 4% inflation—from the interest by leaving that money alone.

 

So, where do you start? If you’re new to investing and just don’t know how to begin, contact one of Dave Ramsey’s Investment Endorsed Local Providers today. There are so many things you can start investing for, but you’ll never make a dent in your financial goals if you don’t get started.

 

Take a few minutes today to find out how to get started investing (and learn if you’re investing enough), by talking to a local, trusted advisor.  Go HERE to contact an Investment Endorsed Local Provider in your area, and find out what you can be doing to change your financial future!

 

Don’t forget you can also talk with one of Dave’s Endorsed Local Providers to help you save on your taxes, homeowners insurance, long term care insurance, and even to find a realtor.  Contact your local ELP to make sure you’re investing wisely, and change the outcome of your finances today! 

 

 

This is a sponsored by Dave Ramsey’s Endorsed Local Providers, however all opinions are my own. 

 

$5 Goodwill Lamp Up-Do

You will never believe what my friend Julie from Less Than Perfect Life of Bliss turned this $5 Goodwill lamp into. Take a peek over on her blog – I think she just inspired me to do some thrift store shopping!

25 Computer Time Saving Tricks: Control + P

Ready for another (easy) time saving computer tip! This one is so simple and you just might already know it, but it’s one I tend to forget about (and can come in so handy!)

 

When you’re browsing the internet, if you see something you want to print (like a recipe, deal scenario, or photo to remember), click Ctrl + P (Command +P for Mac users), and you’ll automatically get a pop up to print whatever you’re looking for!

 

What’s the trick?

Ctrl + P (or Command + P on Mac computers)

 

What does it do?

Allows you to print whatever screen you’re looking at

 

When should you use it?

If you’re looking at something you’d like to print, click Command + P and you’ll easily get a pop up to print exactly what you see on the screen. It’s great for recipes, keeping up with a deal scenario that’s overwhelming, or easily accessing information that you don’t want to lose. 

One trick you’ll want to remember is that the computer will automatically pull up your entire screen (and odds are you don’t want to waste all that ink and paper.) Once  you’ve pulled up the information that you want to print, change the pages to select only the pages you need, and skip the headers and footers so that you don’t waste any ink on those if you don’t need them.

 

Your turn now! Go try Command + P out, and let me know what you think.

 

Stop back by tomorrow night when I’ll have another tip for  you, and if you have any other great time saving computer tips to share, leave a note in the comments section so I can include them!

 

Looking for more time saving tricks?  Here are the ones we’ve already worked on . . .

 

 

25 Computer Time Saving Tips: Control + L

This little trick is so simple, but I thought you all would enjoy it because I just learned it today and I’m so excited about it! You know how sometimes you’re on a website and want to flip over to a new page? This handy trick will help you out.

All you do is hit Ctrl + L (on a Mac you’ll use Command + L ) and automatically your cursor will jump to the browser bar so you can search another site. I think I might just like this one almost as well as Ctrl + F (definitely be sure to figure that one out!), and maybe it’ll help you too. ;)

What’s the trick?

Ctrl + L (or Command + L on Mac computers)

 

What does it do?

Allows you to move your cursor immediately to your browser bar so you can search something new

 

When should you use it?

It’s a great way to easily go to a new site without having to wiggle your mouse around, and should come in handy if you use the computer much!

Did any of you know about Ctrl + L before? I’m pretty excited about this one and think it will definitely help speed up my time here on the computer, so I’m super excited to find it and would love for you to try it out too!

 

Stop back by tomorrow night when I’ll have another tip for  you, and if you have any other great time saving computer tips to share, leave a note in the comments section so I can include them!
Looking for more time saving tricks?  Here are the ones we’ve already worked on . . .

 

 

25 Time Saving Computer Tips: Try Out Feedly

Ready for a few new easy tricks to make your internet surfing go a little more smoothly? Tonight’s tip is one of those that makes checking out my favorite blogs so simple, and it may save you some time too!

 

I use Feedly to organize all of the frugal blogs I follow, as well as several of my favorite food bloggers, home bloggers and how-to-blog bloggers. All of the sites that I read are categorized by their content – so if it’s a lazy day and I just want to see fun decorating ideas, I click on only my home and family category. And, if I’m looking for a deal, all of my favorite frugal sites are easily accessible to!

 

 

If you want to try out Feedly, you can check it out HERE, and if you’d like to follow Passionate Penny Pincher on Feedly (I’d love for you to!), just search for me on the “What Would You Like To Read” page (this should be the link, but in case that doesn’t work you should be able to hunt PPP down pretty easily.)

 

 

What’s the trick?

Feedly

 

What does it do?

Allows you to easily keep up with all your favorite blogs and websites, so that you have a daily feed including any updated deals on in one easy list

 

When should you use it?

Feedly is fantastic to use if you typically use several websites throughout the day for saving money, or if you have special blogs you love to keep up with but sometimes don’t remember to check them frequently!

Have you tried Feedly or another feed reader?  I’d love to know if they’ve been helpful for you – and any other tips that you have would be great to know too!

 

Stop back by tomorrow night when I’ll have another tip for  you, and if you have any other great time saving computer tips to share, leave a note in the comments section so I can include them!
Looking for more time saving tricks?  Here are the ones we’ve already worked on . . .

 

 

25 Time Saving Computer Tips Day 10: A Few More Command Keys

Ready for a few new easy tricks to make your internet surfing go a little more smoothly? I’ve held off this week sharing more command keys (because I know that can be overwhelming), but here are a couple more that are worth adding to your list.

 

What are the tricks?

F5 reload the page

F11 makes the screen a full screen (doesn’t work on a Mac)

Ctrl + T opens a new tab in your web page

 

 

What does it do?

F5 is probably my favorite – it will easily refresh the page for you in a hurry!

 

When should you use it?

F5 is GREAT if there’s an online freebie you want to get but there are only a few minutes to grab it. If you’re on a site that’s giving away 100 items for example but the site isn’t loading, you can click F5 to easily refresh the page and hopefully get one of the freebies more quickly!

Your turn now! Go try these new keys out and let me know what you think.

 

Stop back by tomorrow night when I’ll have another tip for  you, and if you have any other great time saving computer tips to share, leave a note in the comments section so I can include them!
Looking for more time saving tricks?  Here are the ones we’ve already worked on . . .

 

 

 

 

Dollar Tree Decorating: Easter Fun

After not doing anything crafty the last few weeks (months?), I noticed this idea for an Easter centerpiece that a friend shared on Facebook yesterday and thought to myself, “I can surely do that!”

 

So, after a quick run to the Dollar Tree for some Peeps and a few malt balls, five minutes of work and a little fluffing, my project was done. (Love it when that happens!) I used this Anchor Hocking Jar that I ordered at Christmas, then snuck a can of soup from my pantry in as well as a some Easter eggs to take up a little extra space, then added the more malt balls and peeps. Success!

If you’re looking for more ways to easily create penny-pinched Easter centerpieces, check this out ~ and you may want to also see how I etched glass this Christmas (I’m telling you what, I love those jars!)

Are you working on any fun craft projects this weekend? I’d love to hear about them – and if you have other suggestions for frugal Easter decor leave a comment to share!   I’d also love for you to join me over on Pinterest (I love that place!)  If you have a blog and have done a little fluffing in your home, I’d love to see it, so leave your link in the comments section.

 

 

See previous Friday Fluff Up projects and ideas . . . and Happy Fluffing!

This post is linked to Thrifty Thursday at Living Well Spending Less and Follow Our Thrift at I Am That Lady.  Thanks for the opportunity to link  up!

25 Time Saving Computer Tips: Unroll Me

Ready for another new computer trick that will completely change your inbox? This is (maybe?) one of my favorite tips – at least my favorite when it comes to getting control of your emails.

Sign up for Unroll.me and they will unsubscribe you to any unnecessary emails that are cluttering up your inbox, with just a few clicks. I started this a few months ago when a friend mentioned it on Facebook, and basically they’ll go through your current emails, let you know which ones are there so you can unsubscribe with a quick click, and you can either choose to keep getting all your emails like you normally do, or “roll them up” into one daily email.

What’s the trick?

Unroll.me

What does it do?

It allows you to “unroll” from dozens (hundreds?) of emails easily all at one time, and then continues to give you updates on emails you may no longer be interested in seeing each day.

 

When should you use it?

This has literally decluttered my inbox by probably 90%, and instead of scrolling through dozens of emails every day I get the ones I want delivered to my inbox, “rollup” the ones I just want to keep in one place, and it’s taken me off the list for so many retailers.  If you’ve been overwhelmed by your inbox too, I highly recommend it!  Go HERE to get started. 

 

Have you tried out Unroll.me before? I’d love to hear your thoughts – it’s definitely saved me a ton of time online each week!

 


Looking for more time saving tricks?  Here are the ones we’ve already worked on . . .

 

 



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