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We had such a good response to this email newsletter that we are resending it to anyone who may have missed it. If you already received this newsletter - we apologize - our email tracking system at times missed the fact that you already received this.

Hope you’re doing well and feeling loved.

We’ve been laying low for the past 3 weeks as our daughter Becky and son-in-law Nolan welcomed a new daughter into their family. Meet grandchild #5 - Felicity Nicole - she's perfect.

We’re celebrating with Becky and Nolan!.

If you’re still in the mood for Chocolate, now is the time to hit the stores and look for discounted candy filled hearts at Walgreens, CVS, Wal-Mart, Target, and other retail outlets.



One month ago we mentioned quoting your auto, homeowners and renters insurance with the Gabi Quoting service. 

Several of you did and found some good savings. 

This is one of the best ways to save money without making a lifestyle change.

If you want to get a price quickly without any time on the phone try Gabi’s Insurance Quoting Tool.

Fill out a little info and they’ll get you a price from more than 20 different insurance companies.

Hope you save a boodle!


We’re making frugal fun!

PS: There are some links for affiliate relationships where we may receive a small commission if you make a purchase. No purchase is required to get some of this great information.


Fun Recreation Ideas that Don’t
Wreck The Budget!


Sometimes Inexpensive Fun Recreation Ideas are hard to find. But when you do find the ... it's SWEEEEET!

These days it’s easy to spend a significant amount of money on recreational activity. Families often blow their recreation budget, thinking they can’t cut these expenses and still have a good time.

But we challenge that notion. There are hundreds of ways to enjoy family time or a date night without dropping $100 to do it.

See our list of inexpensive and fun date night and family recreation ideas


Emergency Fund Examples


If you’re building an emergency fund, you’ll want to set some savings goals based on the five-category examples in this article. We’ll give you ideas for emergency funds amounts and categories.

If you’re managing a budget and have extra money available each month, you’ll want to take note of our emergency fund examples.

We took several years to accumulate our 5 category Emergency Fund Savings Account.

We’ll tell you what the categories are, how much we saved and where we keep it

(Hint: it’s in a special high-yield bank account that you can get started with today).

Find out How Much We Recommend for Your Emergency Fund 



Can a Family Really Live on One Income?


If you’ve ever wondered whether your family can live on one income or not, the 5 questions in this article should help answer your question.

  1. One Income for a SAHM Wannabe
  2. Convincing Your Wife to Live on One Income
  3. Living on One Income When Illness Hits the Family
  4. Living on One Income after Bankruptcy
  5. Living on One Income, Drowning in Debt & No Fun

Read our answers here 


What Do A Dam and a Budget
Have In Common?


We’ve heard people refer to budgets in many negative terms, that all imply pain or restriction or deprivation. 

We have a different view of budget restriction. 

We look at a household budget as a positive thing. It’s a tool that preserves our money and lets us enjoy life and the things we have.  

We think a budget is very similar to a dam. 

Keep reading and find out why. 


Managing a Windfall

What to Do with Sudden Money

What is a financial windfall?  Is managing a windfall something you are prepared to do?

Winning the lottery, a TV game show, an inheritance or sweepstakes are all windfalls.

What about smaller windfalls – like a tax refund?

How could this money help you? How would you manage it?

Have you ever thought of creating a plan for a financial windfall?

Find Out How We Deal with Windfalls 


Debt-Free Living / Frugal Living

7 Inspiring Stories Page  


If you’re looking for encouragement to keep going, you’re going to love reading these frugal living success stories from real people. Some struggle with debt, others are finding joy in living within their means. Keep reading and get stoked about the possibilities!

Read these Real-Live Stories … Will Yours Be Next? 


How Frugal Live Can
Lead to Early Retirement


Can Frugal Living make a difference in how soon you retire or is it just a waste of time? We’re going to give you one example of the power of frugal living as it specifically pertains to how soon you can retire.

How Much Money Do You Need to Retire?

First, let’s calculate how much money you need to retire for a moment.

Most retirement planning projection systems don’t adequately show the impact of frugal living in retirement estimate calculations—probably for good reason. Most people aren’t frugal!

Read More Here

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