Save Money By Learning

I can’t count how many times I’ve heard people tell me, “I wish I could _______, but I don’t know how!” People rarely consider actually learning these skills, which is unfortunate. There’s no need to write yourself off as already knowing everything you will know! Multiple studies actually show that your intelligence increases as you get older {peaking as late as your 70’s or 80’s} if you develop it. Like anything else, if you don’t use your brain, it won’t work as well. Learning new things, reading, and exercising your brain will help you live longer, increase your overall happiness, and other benefits. But as you can Read More


Christmas Tree Dice Game

As I mentioned before in my post about Advent, we do a fun activity each day in December until the 25th. But sometimes I just don’t have the energy to pull off something big. That’s when I bust out with one of my “cheat” days, like this! This game is SO simple to set up — you can make a set in literally one minute. And it’s a ton of fun for the kids (especially since we play with candy!) See the image below for how to play! We always play until the M&Ms run out, then sometimes they keep playing with bingo markers instead! Read More

Why we're NOT saving for college ~ Our Cozy Den

Why We’re NOT Saving for College

We have 4 children, so you would assume that we have some sort of college-savings plan in place. After all, we’re huge money-savers, I’m a big fan of Dave Ramsey, and that is one of his Baby Steps to Financial Peace. But it may shock you to hear we’re not saving for college. Not even a little bit. Not even at all. These are just a few of the many reasons why. 1. Homeschooling Since we homeschool, our kids are able to work ahead at an advanced rate. They are advanced in nearly every subject, and moving further and further ahead each year. Because of this, they will Read More


5 Creative Ways to Save: Christmas!

I’m starting a new blog series this week! Every Wednesday for the next several weeks, I’m going to share with you 5 Creative Ways To Save! I often share money-saving tips — and a lot of them are common sense, standbys from days-of-old. But with this new series I’m challenging myself {and you!} to think outside the box and look for some NEW ways to save your hard-earned cash! First up on the agenda: 5 CREATIVE WAYS TO SAVE ON CHRISTMAS GIFTS! Christmas shopping can add up so fast. One minute you have a short gift list, and the next minute you spent two mortgage payments Read More


10 Ways Homeschooling is Cheaper than Public School

Many people have told me that it’s too expensive to homeschool! You guys know how much I love saving money, so I wanted to tell you all the ways that homeschooling is actually CHEAPER than public school! There’s a lot of math in this post, so let’s have some fun breaking down the costs! I think you’ll be surprised at some of the numbers! 1. Curriculum Yes, curriculum can be expensive if you choose to go that way. But there are hundreds or thousands of free resources online (too many for me to count). So you don’t have to spend any money unless you want Read More


How We Live On $650 a month

{See our most up-to-date budget here, which is now $550/month!}    We have 6 people in our family – including 4 crazy kids! And we manage to live on $650 a month. This is how we do it! Groceries = $250/month I am very careful with my meal planning. I buy in bulk, cook from scratch, and we do not buy pre-packaged or convenience foods. I do one week a month where I cook from the pantry, and we don’t get groceries at all. I stretch the meat in my recipes to make it go farther. I check store ads to I can price-match and Read More