living our best life – money

photography of one us dollar banknotes

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Hey everyone, it is so good to see today!  I sure do appreciate you taking time to visit.  

As the old saying goes that there are only two guarantees in life, death and taxes.  Money is something that we must have in order to live in the world at this moment in time.  Life is expensive, especially for those of us who live with chronic illness so my question for all of you wonderful people is,  “What is one way that has helps you balance all of your financial demands?”

Thank you so very much for stopping by and taking time to comment.  I feel blessed to be able to share and learn from all of you.

~ wendi is an author of 3 books about saving money and can be found here.

living our best life – a hundred bucks

photography of one us dollar banknotes

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Over the past several weeks I have read about ways that this global situation has brought out the very best and the very worst in people.  But it is comforting to know that all of you amazingly kind, loving, and generous people here on WP go out of your way to help others as you are able.

So my question for you this week is, “If you were given $100, or the equivalent, and you had to give it away, what would you do with it?”

I look forward to reading your awesome responses, and I thank you in advance for your comments.

 

` “You have not lived today until you have done something for someone who can never repay you.”
― John Bunyan

living our best life – spending money

cash currency dollar finance

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Being chronically ill, I tend to worry about money a lot.  I try hard to win over the anxiety by reminding myself that God will work it all out and worrying about it does absolutely no good.  To also help combat my fear of not having enough money, I live a frugal lifestyle.  I make sure my family lives on less and with less in most areas of our lives.

But instead of focusing on what we live without, we can always talk about that later, today’s question focuses on what we do spend money on.   There are psychological benefits to spending money on yourself, even if it is just a little bit, for a pick-me-up.

So, the question this week is:  What is one thing you regularly spend money on that brings joy into your life?  

summer edition

macro photography of black sunglasses on sand

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I am excited to announce that we have another book available on Amazon, Frugal Seeds Summer Edition, 101 Ways to Enjoy Summer with Your Kids for Little Money.  This was a true labor of love as the ideas inside this e-book are how I have enjoyed summer with my kids through the years.

I would be humbled if you would check it out.  Free to read with KindleUnlimited and 99 cents to download.

frugal seeds

 

 

person holding a green plant

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The title of my blog gives away the fact that I live with at least one chronic illness.  Now, I don’t want to brag, but I actually live with several, and as interesting as it sounds, it is not a whole lot of fun.  Unfortunately I am not the only one in my family who lives with such a burden.  Every person in my immediate family lives with at least one chronic illness.

As a result of all of our medical bills, we have learned to live on a tight budget.  Over the years I have had to learn to be frugal and about 6 months ago I decided to put some of  my frugal ways into a book,  Frugal Seeds: 501 Ways to Make, Save or Stretch a Dollar.  It is now available in both paperback and e-book on Amazon.  The entire book can be read for FREE with an Amazon Kindle Unlimited membership.

You will notice it is written under a pen name.  This has been done as I working on additional books and I am determined to keep the lives of my children private.  Thank you for understanding.

 

 

free budgeting apps

money coins cash currency

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“A budget is telling your money where to go instead of wondering where it went.” — Dave Ramsey, financial radio host and best-selling author.

 

Everyone can benefit from budgeting his/her money, but having a chronic illness makes your financial life more complicated…….every dollar ( at least in my situation ) must be stretched in order to be able pay all the medical bills and their bill friends that come along for the ride!

Below are links to free budgeting apps, each a little different, so you should be able to find one that fits your specific needs.

 

mint

goodbudget

wally.me

everydollar

nerdwallet

pocketguard

dollarbird

honeyfi

claritymoney

fudget

spendee

expense-iq

“Beware of little expenses: a small leak can sink a great ship.” — Benjamin Franklin, one of the Founding Fathers, inventor, diplomat, and the author of The Way to Wealth

~ wendi, under the pen name Charlie, is the author of Frugal Seeds:  501 Ways to Make, Save, or Stretch a Dollar

Five of my top free educational sites for young kids

computer monitor on table

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After my chronic illnesses kicked it into high gear right after my youngest turned a year old, I quickly started searching for how I was going to keep my kiddos busy,  maybe learn something, and have fun.

I remember those days with young ones under my feet while I was so ill, stressed out, and not sure what was going on with me, with each day bringing on new physical challenges.    One of the ways I kept my kids entertained for a while each day was with computer time……….

Here is a list of 5 of my favorite educational sites for young kids.

Happy exploring…………..

 

http://www.starfall.com/

 

http://pbskids.org/

 

https://kids.nationalgeographic.com/

 

https://www.brainpop.com/free-stuff/

 

http://www.nickjr.com/games/

 

Until next time……………you are a super hero even if your cape looks more like a child’s blanket!

‘health food’ find of the week – $0.94

I have found trying to eat healthy and feeding a family on a budget to be quite challenging.    Although some would not consider this health food, I thought it was a great deal and if you are going to eat corn chips, this is a great choice.

This is Great Value (Wal-Mart’s store brand) organic, blue corn tortilla chips made with only three ingredients…….ground organic blue corn, organic sunflower oil, and sea salt and they are naturally gluten free.  One 8oz. bag is only 94 cents!  I thought this was a HUGE deal and hope you do too!

IMG_1196

 

 

Do you have unclaimed money waiting for you?

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Below is a website that will allow you to search for unclaimed property/money from various sources.  Although I haven’t found any extra cash for myself, I did find some for my mother and grandmother.

Here is to hoping that you will be able to find some lost cash for yourself, enough to pay off a medical bill AND go buy yourself something nice…………like new, comfy PJs!

https://www.usa.gov/unclaimed-money

 

Until next time…………happy and fruitful hunting!

May money audit, or, just write it all down.

notebook writing pencil start

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Money………..there is never enough, especially when you have sooooo sooooo many medical bills.  I have had to live frugally for years now due to medical treatments and tests, medicine, supplements, special foods……….you know the drill.  One more illness, more crap to pay for.  It gets frustrating and sometimes downright scary as there can be not enough money left for the month.

One way I make sure I am spending money as carefully and wisely as possible is by keeping track of every penny that is spent in a specific month.  I always do a money audit in January and I decided to do one again for the month of May.

It is really simple but it takes commitment………..you must write down Every Single Thing you spend any money on ALL MONTH long.  If you throw a nickel into the wishing well, write it down.  Lose a dime through the drive-thru, write it down.  Send a check to your niece for her birthday, write it down.  All bills, yep, you guessed it, write it down.  Every, single, piece of money that leaves your money pool needs to be written down.  I have a notebook that is dedicated for this purpose only, allowing me to go back and compare previous spending habits and bills.

Although I consider myself frugal by default, (because I would much rather not have to be!) participating in a monthly study of our spending has shown me ways that I may be able to cut back even more.  My spending flaws tend to stand out at me when I have to write down $2.25 for the pictures I HAD to have at the Dollar Tree.

If you are also living a life on a budget I encourage you to take a month to take inventory of your expenses.  The process of writing things down seems to make them more real, more noticeable.  You just may find that you can save an extra 10-20 bucks a month and put it aside to go do something fun………..like get your hair done professionally, instead of your spouse cutting your hair with household scissors in the kitchen…..O.K.  maybe that is just me!?

Until next time…………..YOU are a superhero and I am pretty sure superheros have their hair cut by a professional?