• 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

    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 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…

  • Budget Smart Girl's Guide

    YouTube a Goldmine for The Budget Minded

      I don’t know how many of you ever spend time on YouTube but over the last year or so I’ve discovered there’s a goldmine of information there for budget savvy people like us. With that in mind, I decided to put together a list of some of my favorite channels in various categories so here they are- For the Budget Minded A YouTuber based in Utah has this fun and informative channel called The Melea Show- https://www.youtube.com/user/Freebies2Deals Another one of my favorites is the Do It On A Dime https://www.youtube.com/user/DoItOnaDime And who can leave out The Krazy Coupon Lady https://www.youtube.com/channel/ Or even discovering free stuff…free is always good. https://www.youtube.com/user/freestufffindercom/about?…

  • Budget Smart Girl's Guide

    Budget Smart Girl Update

      I know I’ve been saying this in what seems like forever, but I’m in the process of getting back to regular posting on the site. I’ve recently updated it, cleared out all the back archives, and it will soon be ready to re-launch. I’m hoping to bring the site back to how it was in its glory days before I got too busy and let it fall by the wayside. I even thought about selling it or handing it over to someone who would love it as much as me, but I just couldn’t do it. So thanks for sticking with me and I promise starting next week I’ll…

  • Friday Round Up

    Friday Round Up-Organizing and Decluttering

      Happy Friday to you. The weather took a downward turn and it looks like winter is back. I guess last week’s 60 degree temperature spoiled me and I have to face up to reality. Roll on spring and summer.   Speaking of which… Getting Ready for Canning Season I’ve been on a decluttering and organizing binge. One of the areas in the basement that was in most disarray was the section where I keep all my canning jars and equipment. After searching online for some ideas, I stumbled upon an item called a Jar Box that’s not only a way to organize your canning jars, but keeps dust, dirt…and…

  • Friday Round Up

    Friday Round Up-Save Money On Soap (that’s ugly)

          Good Friday to you and it’s the last one in February. The weather’s taken a winter like turn but I know spring is around the corner. The Ragu Giveaway I don’t know if there was a glitch in the system last week or what, but no one entered the Ragu sauce giveaway so I’m running the contest again. The first person to e-mail me, gets the Ragu sauces. Ugly Soap I’m a huge fan of artisan soaps and if you’ve tried buying them you’ll know they’re pricey. However, as every Budget Smart Girl knows there’s always a way around the price. While I was doing some research…