30 Day Money Challenge

Secure Your Savings and Find Peace in the New Year

Can a 30 day money challenge change your life for the better?

Join the FREE Challenge!

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Get emails reminding you of the daily challenges so you don’t leave it at “good intentions”.  No worries about spam or “gotcha” tactics here!  Our family has spent the last year getting our finances in order, and I want the best for everyone.  Let’s do this together!

Is This Challenge for Me?

That depends.  Does any of this sound familiar?

An endless cycle of paycheck to paycheck living.

A mountain of debt you’re finally ready to tackle.

Bills pop up in the mail when you least expect them.

Money seems disorganized and scattered.

What's the Challenge?

I’m giving you 30 days of ways to save or earn extra money.  Money you can use for:

Starting or boosting your emergency fund

Filling a sinking fund.  (Why do I want a sinking fund?)

Catching up on bills to start the new year right.

Why I’m Passionate About This Money Challenge

In early 2016, my hubby and I decided it was time to get serious about getting out of debt.  We attacked it in a brand new way and it made all the difference in our finances.  Along the way, we learned some important things about our spending habits.

One lesson was that bad things happen when you least expect them, and when you most need them not to.  You should always be ready for unexpected expenses.  Because, while you can’t guess when they’ll happen or what they’ll look like, you can bet you’ll be hit with them at some point.

Grandma told you to save for a rainy day.  I’m telling you to pull together a sinking fund.  Learn why I think sinking funds are so important here.  

But I don’t just want to tell you how important they are and leave you to fend for yourself.  So let’s kick off 2017 on the right foot.  Get 30 days of advice for saving and earning enough money to fund that account.  The challenge starts January 1, 2017.  I can’t wait to get started!

I'm Ready to Challenge Myself!

The Money Challenge: Secure Your Savings and Find Peace in the New Year

The money challenge that will set you up for success in paying off debt. One year ago, my Hubby and I discovered a fatal flaw in all of our carefully laid plans.  We were good at setting goals for ourselves each year, but we were struggling to meet them.  Something...

A Free Printable Thermometer Chart to Help Reach Your Money Goals

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Secure Your Savings: This Checking Account Can Save Your Money

Welcome to day number one of the Secure Your Savings and Find Peace in the New Year series!  Are you excited?  I hope so, because I sure am.  We're going to change the way you see money and bills this month.  And this change is going to rock your entire year. I'm...

Secure Your Savings: Save Money By Finding Awesome Used Stuff for Sale

So Guy 1, we'll call him Fred, set a New Year's Resolution.  He's going to get in shape this year.  So Fred looks through the ads, does some research, and decides on a few pieces of exercise equipment that he'd like to own. Fred's got some money saved up, but he wants...

Secure Your Savings: Use a Green Thumb to Grow an Extra Green Wallet

Winter is drab.  We don't have to dig into the cold weather for long before I start wishing for living plants.  I'll sometimes treat myself to discount flowers while I'm at the grocery store just to lift our spirits for a few days. But then I realized that I could...

How Cheap Meal Planning Can Save You Money and Simplify Your Life

Statistics show that 97% of all households* hate to meal plan (*statistic possibly made up).  But when a chore can save you so much time and money, it's hard to totally ignore it. When I hate doing something that's necessary, I find the best way to streamline it.  I...

Stuck at Home? Here’s 15 Free Things You Can Do For Fun

Inside:  Being stuck at home is so boring. Don't give in! Try these fun things you can do for free, even if you can't get away from it all. "Boredom, anger, sadness, or fear are not 'yours,' not personal. They are conditions of the human mind. They come and go....

Secure Your Savings: How Cleaning My Room Helps Me Save (and Make) Money

We spent hours searching for a Cub Scout uniform.  Days, even.  I had already begun shopping for a new one when we finally found it.  It was in the very bottom of the toy box.  (What? You don't keep clothes there?) I can't tell you how many times this scenario has...

Secure Your Savings: Tired of Food To Go? Easy Ways To Do It for Less

Our family dubbed 2016 our #yearofno.  This was our inspiration that encouraged us in our debt payoff journey.  You can learn more about that here. One of the biggest changes we made in 2016 was breaking our fast food habit.  We have five kids, so we're always on the...

How to Save Money on Utilities and Bank the Difference

Inside: Need to know how to save money on utilities? These tips will save you money month after month. Bank the difference & watch your savings grow! Either you're the one who goes around the house turning off lights behind everyone else, or you're the one scolded...

Secure Your Savings: The Best Tips for Reducing Healthcare Costs

In relief, I was finally able to sneak into the bathroom.  The baby was asleep, and my older boys (who were 2 and 3) were playing in their room.  But as I left the bathroom and turned the corner, my relief quickly turned into worry.  The sound my 2 year old was making...

Secure Your Savings: How to Know What to Sell on Ebay and Earn Cash

My eyes were closed and my toes buried in the sand as I enjoyed the salty air breezing across my face.  I always enjoy a good vacation, but there's something extra sweet in knowing that you are reaping the rewards of your own work. Stay at home moms might not earn...

Secure Your Savings: How to Sell Stuff Locally and Make Cash from Your Trash

I called my Dad, too excited to wait.  Hubby was out of town, but I'd finally found the perfect cabinet. The one I'd been searching for for months.  I knew that if I didn't go to get it right away, it would be gone, and I needed some help getting it loaded. That's the...

What To Do With That Tax Money

Tax refund anticipation loans are a sign of how terrible we are at delaying gratification.  It's possible that people experience a sudden emergency and need this once in their lives.  But more often, it creates an endless cycle of debt and is a symptom of always being...

Create Your Budget Savings Plan By Shopping for the Best Rates

Ma Bell held tight control over the phone system in America for decades.  It wasn't until the 80s that the monopoly was broken up and competition allowed to begin. The 90s gave birth to the Telecommunications Act, which opened up long distance calls to greater...

How to Earn Money Online for Free

Inside: Want to learn how to earn money online for free without spending hours of time for small rewards? Here are some sites that give the most for your time. What is your time worth?  If that isn't a loaded question, I don't know what one is.  You'll hear people...

Secure Your Savings: The Best Babysitting Ideas for Making Some Cash from Home

When you're looking for a way to make money, the best advice I have is to fix a problem for someone.  And babysitting is a problem nearly every parent is looking to fill.  Whether it's for help while they work or for the occasional date night, good babysitting is...

How to Stop Impulse Buying in Its Tracks

Inside: Knowing how to stop impulse buying before you hit the store can give you the motivation to save tons of money. Beat the stores at their own game. As I pull my heavy cart of groceries into the check out lane, I glance over at the candy rack.  There I see a box...

Secure Your Savings: How to Get Odd Jobs in Retail Merchandising

Have you ever stared at the balance on a credit card and wished there was something you could do right now to get it paid off?  I know I have. I can't give you directions to a money tree (besides, if I find that puppy I'm keeping it to myself!).  But I can do the next...

Secure Your Savings: Get the Best Bargain No Matter What You’re Buying

"Do you have any coupons" asked the cashier as she rang up my clothing.  "No.  Do you?" I asked her, mostly joking.  "Hmm.  Yeah, I actually have one right here you can use," she said, much to my surprise. That's how simple it can be to save money on your purchase....

Secure Your Savings: How to Find Affordable Insurance

Insurance.  The one thing you pay a bunch of money toward in hopes that you'll never need to use it. If you look at the total amount you send to insurance companies, it looks like a big pile of wasted money.  But since most of us are one freak accident away from...

Who Buys Appliances? The Best Way to Trade Your Scrap Metal for Cash

I kicked the dryer in frustration and announced that it was time to start shopping for a "new" dryer.  (New as in new-to-us, since I nearly always buy secondhand.) While Hubby and I were not excited about spending money on a dryer, our boys cheered.  A dead dryer is a...

How to Find Focus Groups And Get Paid For Your Big Mouth

A few years ago, I was just starting my search for a new car seat when I got a phone call.  After talking to the lady for a few minutes, I was was happy to learn that I'd be earning enough money to cover part of the cost of one.  Ironically, I had qualified for a...

This Is How to Get Started In Freelance Transcription Jobs

Inside: Curious about the ins and outs of taking on freelance transcription jobs? Get insider tips on starting this work from home job. Most Moms I know are always looking for ways to pad their budget a little more.  They want a way to earn real money, not just little...

Secure Your Savings: Teach Private Lessons

Do you have a skill?  Maybe you can play an instrument well.  Or you have an amazing grasp of grammar or math.  Perhaps you are a swimmer or a dancer.  We all have our own talents. Out there is someone who wishes they had the talents you possess.  Someone who would...

Get Paid To Be a Food Demonstrator On the Weekends

Inside: Looking for weekend work? Getting a job as a food demonstrator might be the perfect part time job to compliment your 9-5 schedule.  Free samples at the grocery store are our favorites.  (Aren't they everybody's??)  We sometimes drop by the store to kill time,...

Secure Your Savings: How to Become a Substitute Teacher

Getting a college scholarship was amazing.  They covered four years of my schooling, and I can't put into words how grateful I was for that. However, I wanted a degree in music education.  That's a five year degree.  But I was determined I could fit it into 4 years...

Secure Your Savings: Make Money With a House Cleaning Business

Inside:  Starting a house cleaning business isn't as intimidating as it sounds. If you're a reliable hard worker, the money will find you! You may have dreams about hiring a maid.  Maybe you even put it on your Christmas list every year.  (Guilty!)  But have you ever...

Everything You Need to Know About Search Engine Evaluator Jobs

Ninety-three percent of online experiences begin with a search engine.  (source)  So chances are that you have done a few internet searches in your day.  Probably even today! In all of your searching, have you noticed how much Google and other search engines have...

Secure Your Savings: How to Secret Shop for Pay

On my first secret shop, I was so nervous.  I was convinced that when I walked in the door, a giant blinking arrow would flash above my head.  "Alert!  Alert!  Secret shopper approaching!" Well, that didn't happen.  (Thankfully!)  I managed to get through the secret...

Secure Your Savings: Brainstorm Money Making Schemes

Have you ever stopped to consider how many different ways you've made money over the years?  Even if you got as little as $1, it counts as a money making scheme. You probably have a wealth of ideas for making money at your fingertips and you didn't even realize it!...

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