How to Write a Budget {and actually USE it!} from Our Cozy Den

How To Write a Budget {and actually USE it!}

Ah, yes… dreaded B word: Budget. People think of a budget and they cringe. Budgets are restrictive. No fun. Too hard. Well, I tend to disagree. When done properly, budgets give you an immense sense of freedom! Before we had a written budget each month, I would feel so guilty about every penny I spent that I didn’t feel was vital to the family. Every time I bought myself a book, a shirt, or lunch out with my friends… I felt plagued with feelings like “We can’t afford this.” or “I shouldn’t be spending this money.” Once we had a written plan in place, it Read More


Our Cozy Den in 2017

To say 2016 has been a crazy year would be a HUGE understatement. Here are just a few of the big things that happened to our family this year: My husband spent the summer (3 months) away from our family at military training, so I was home with the 4 kids by myself. When he got home, he got a new job! So now he’s employed for the first time in several years (he’s been a seminary student since early 2014). We packed up our lives and moved to a new house in a new town. I’ve bought houses before. I’ve sold a house before. Read More


1 year post-diagnosis: PCOS update

Today marks a special anniversary for me. It is 1 year ago to the day that I was diagnosed with PCOS. That day was one of the hardest of my life. I remember bawling my eyes out on my husband’s lap at what a huge change it was going to be in my life. I felt completely overwhelmed and hopeless. A lot has changed (and some hasn’t!), so I wanted to check in and let you know how things are going! Timeline of the Year: December: Diagnosed ~ My doctor put me on a sugar free diet: no sugars, dairy, fruits, grains of any sort. It Read More


My Thoughts on Turning 31!

I don’t usually post on Sundays, but tomorrow is a very special day… It’s my 31st birthday! This year has been a rollercoaster ride, to say the least. It has been filled with so many blessings and joy, as well as many trials and tears. I wanted to take a moment to look back on what this year held for me, as well as what I hope to accomplish in the year(s) to come!   Biggest Moments of my 30th Year: Getting diagnosed with PCOS was huge. In many ways, I’m happy to finally have answers for the troubles that were plaguing me. But it’s Read More

5 Steps to Becoming a Money Saver ~ Our Cozy Den

5 Steps to Becoming a Money-Saver

  As I talked about before in my post about our financial journey, I did not start out as a money-saver. It’s a mindset that I have grown over the years. At the beginning, I was quite the opposite. I loved eating out, shopping, and spending frivolously! It’s a struggle I still have to reign in sometimes. So when I say that saving money is not always easy, I get it. I know how hard it is to pass up something that you WANT NOW in exchange for a more secure future for your family later. The right now is a tangible thing, while the Read More


Our 2015 School Year

It’s that time of year again! We are beginning a new school year on Monday! As if homeschooling isn’t outside-the-box enough, we had to switch it up even more and do a January-November school year instead of the traditional September-May. I know, I know, it’s weird. But it works for us. When I started doing it, it was because of several reasons: my son (and I) were anxious to start already I wanted a “trial period” to see if homeschool was really for us before REAL schools started. I wanted to take off Advent instead of the summer. Now, my reasons are different, but I Read More