• Budget Smart Girl's Guide

    Budget Smart Girl Tries Brandless

      I recently heard about a company that sells food online. Not just any food but good for you stuff that’s organic and non-GMO. Added plus…I was told everything was $3 and shipping is free when you spend $39 or more. Last week I decided to give it a try.   The company is called Brandless. The packaging is plan and simple which reminds me of the generic products you used to see at supermarkets but I have to say the taste is a whole lot better. I haven’t sampled everything I ordered but so far, so good. The sweet potato tortilla chips…well, I’ll give them a ten. Same goes…

  • Budget Smart Girl's Guide

    Comparison Shopping…a key to saving money

      Lots of people say online sites encourage you to spend more money than you would if you went physically shopping. Yes, that’s true if you give in to all the temptation. However, I see online comparison shopping as an adventure in saving money. Let’s face it, there are things we all have to buy now and then despite how budget smart we are. Yesterday I went in search of food for my cat…yes, an essential. I headed to the site I usually go because that’s where it’s been the cheapest, plus they offer free shipping. They were out of stock from that particular vendor and had suggestions for others. After clicking…

  • Budget Smart Girl's Guide

    Track Your Spending

      Welcome to week one of the summer money makeover Have you decided what you’re going to tackle between now and September 1st? One of my major goals is to track my spending. It used to be much easier when I wrote checks to pay bills and buy groceries because I’d write down what I spent and who I paid, along with how much was in my account. Those days are long gone and with them my organized system of seeing where the money was going. Recently I’ve been reading lots of financial books (reviews of them coming soon), and one piece of money advice they all have in common…

  • Budget Smart Girl's Guide

    Summer Money Makeover

      It’s not yet ‘officially’ summer but Memorial Day’s been and gone so I thought we’d kick off a summer financial makeover. What gave me the idea? Over at my writing site, I’m setting up a summer writer’s retreat where we’ll get books started or half-finished ones will get completed. It’s running from June 1st through September 1st. Three months to get something done that maybe you’ve been talking about or even just dreaming about doing. So I thought how about something similar here at BSG. What would your financial makeover look like? Maybe you want to finally set up a budget? Perhaps you want to get started on saving…

  • Budget Smart Girl's Guide

    The Added Cost of Fear and Uncertainty

        What if it breaks, what if the car breaks down, or I lose my cell phone… We all have one of those days, sometimes one of those weeks. Put it down to bad luck or the universe not being on our side. We’re human so that makes us worry and companies know that. Sometimes it’s the fear and uncertainty of everyday living that costs us more money than it should. What got me thinking about this? I’ve been reading a couple of financial books (I’ll be reviewing them here on BSG at a later date), and both of them mentioned that oftentimes we pay more because a company…

  • Budget Smart Cook,  Budget Smart Girl's Guide

    Eight Ways to Buy Organic on a Budget

    I’m of a mind that thinks all food should be grown organically. Sadly, that’s not the case, so anything that is labelled organic (and not just produce), has a higher price. However, I’ve never let that stop me from buying what I love. My motto is there’s a way around every challenge. I’ve touched on this topic before but here’s an updated version of eight ways to buy organic even when you’re on a budget… Shop Sales Just like other goods on supermarket shelves, organic products have regular sales cycles. Watch for store flyers, promotions, and use that time to stock up or eat all organic fruits and veggies during that…

  • Budget Smart Girl's Guide

    For Subscribers in The European Union

      I’m not sure if this applies to BSG (or not sure if I fully understand the whole thing), but next week the European Union has a new law coming into effect about subscribers to lists etc. I’ve been told even those of us who live in the US have to address this issue. So if you’re a subscriber based in one of the European Union countries and you don’t wish to be on the subscriber list any longer you need to unsubscribe before May 25th. Thank you-BSG.

  • Budget Smart Girl's Guide

    Compound Interest-Friend or Foe?

    Compound interest… Two words that make me think about my maternal grandmother. I know what you’re probably thinking why would something connected to money make her think about grandma? Let me explain… My grandmother was widowed when she was just 51 years old. She was a very independent lady, didn’t rely on her family, didn’t want to burden my parents so she’d adopted a mindset that made sure she was financially secure to the day she died (at 87). She had two ways of looking at money and debt. First one was, make money work for you and save up for something you want and then buy it. Never buy it and…

  • Budget Smart Girl's Guide,  Ways to Earn Extra Money

    The Added Cost of Being on Auto-Pilot

      We all know being disorganized can cost us money. I can’t tell you how many times I’ve rushed out to buy something I know I already own but can’t remember where I put it. I’m getting better at being organized but one thing that can also eat away at your budget is payments that are on auto-pilot. I’ve signed up for services, memberships to sites etc. without thinking about how payments are made during the second year. A couple of times I’ve been sent e-mails saying thank you for staying on as a customer for another year. But what, you say, I didn’t make a payment to you. In fact, I wanted to…

  • Budget Smart Girl's Guide

    Going Green Means Saving Green

    Earth Day is this Saturday and here are five easy ways I’ve found to go green and save money at the same time-     Showers You can buy low water flow shower heads or even buy adapters to go on your current one. Neither are that expensive and if you’re think the water will just dribble out of the showerhead, you’d be surprised how the new versions are so good that you hardly notice the difference.       Dirty Laundry Where I live, putting laundry outside to dry isn’t something I can do year round but when the temperature heats up a great way to save money on electricity (and your…