11.07.2016

Packing an Operation Christmas Child Shoe Box on a Budget

Items to Pack in Operation Christmas Child Shoebox for Boy

Packing Operation Christmas Child Shoe Boxes has become the official sign that the Holidays are here at our house! To be honest I don't think I could think of a better way to kick off the festivities.

10.21.2016

The Benefits of a Gift Closet

How to create and shop for a gift closet

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Let's set the scene.

The time: noon. The day: Saturday. The place: your kitchen fridge. The problem?

10.14.2016

Meal Inspirations: Get the Most from Meat

Meal inspirations for purchasing meat and stick to a budget

One of the biggest challenges I and many other families face when meal planning is figuring out how to stay within budget when purchasing meats. How do I know? It has been a hot topic in Get a Life Tribe!

10.05.2016

4 Tips to Make Saving a Simple Task


Over on the TNTL Facebook page I wrote a string of posts dealing specifically with savings. They were kinda a hit. Because I like to make things as easy as possible I wanted to do a video and blog post on the tips  to make the information all in one place and easy to find for you!

9.23.2016

Life is an ADVENTURE

Life is either a daring adventure or nothing at all- Helen Keller


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9.21.2016

Why it is Important to Give on ANY Income

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A very common question I get asked is "should I be giving if I can't afford to pay my bills?".  There is no one blanket statement to this questions but from my experince if you can't give finanically you can still give the gift of your time and talent, so, yes.

9.09.2016

Friday Finds: Free Fruit, Free Financial Workshop and MORE!

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9.06.2016

Introducing the New TNTL!

Hey there frugal friends! I have tried to start this post many, many times over the past 2 years but the time never felt right. I suppose it wasn't the right time because today as I sit here and type I feel excitement and peace announcing the NEW TNTL!



I know that as a business owner or leader you will never please everyone. That is something I had to come to terms with over this journey. So for those of you, that came to TNTL expecting one thing and feel like you are getting another I sincerely apologize. These past 5 years have been a transformative process for me and I am finally at peace with the direction and outcome. I hope you will see the passion I have and continue to stick around!

8.22.2016

Back to Basics: Making Tomato Sauce

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How to Make and Freezer Tomato Sauce

If you have a garden or can get your hands on a large harvest of tomatoes DO IT! I am going to teach you the simplest way to preserve them so you can save money all year long on spaghettini sauce, tomato sauce, and all that jazz.

8.17.2016

How is your Financial Health?

Checking in on your Financial Health

Yes, you read that right. Your FINANCIAL Health. It has vitals just like your physical, spiritual and emotional health. Today I want to challenge you to look at them and improve upon them.


8.08.2016

Free Bagels Each Day at Panera the Month of August!

Free Bagels each Day in August From Panera

Hi Frugal Friends! I wanted to pop in this Monday with a fun freebie! 
If you have a Panera Rewards card you can score a FREE Daily Bagel each day in July.
Warning this does not include Cream Cheese BUT if you want to pick up a tub of that and get a free yummy bagel then this is your month!

This deal seems to be region so check your rewards profile.

Have you seen any other great freebies lately? Let me know in the comments!

XX-












8.07.2016

Fall/Winter Consignment Sale Schedule 2016


It is that time again, time to pull out the kid's fall and winter wardrobe, see what fits and what doesn't, and make a list so you can shop your favorite Maryland, Pennsylvania, or West Virginia kids consignment sale. Better yet, shop them all!  

8.01.2016

Being Present in a World Full of Distractions

3 Tips to be present more at home

There has never been a time in the world's history were people have had as many distractions as we do now in the palm of their hands. 

7.25.2016

Embrace Monday to get The Most Out of YOUR Week

Embrace Monday My #1 Productivity Tip

To many Embracing Monday sounds like an anti-motivational quote. 

If you ever watched How I Met Your Mother you would probably put "Embrace Monday" right smack in the middle of Barney Stinson's office wall. A wall full of awkward motivational quotes.

7.18.2016

Discipline: Learning to have Control with Money

How to use Discipline in order to control your spending


During my latest family finance budget session our keyword seemed to be "Discipline". 


Discipline is training yourself to have control.

Learning to control your spending can be a challenge when your habits have already been established. Many of us are used to not only spending the money we make but also money that is lent to use from creditors. This makes a need to break not only 1 but 2 habits.

6.10.2016

Our Free or Cheap Summer Fun Academic Schedule 2016

Free or Cheap Summer Fun Ideas


One the great things about getting to spend the summers with the boys is that we can plan for some serious FUN!

6.06.2016

Feeding a Family of Four on $300 a Month Menu Plans

300.00 Grocery Budget Menu plan

One of the most flexible areas of a families budget is their food budget. I have worked with people who have had some pretty restrictive diets and even THEY can cut a few dollars from their budget with planning and shopping sales.

5.27.2016

Tropical Pineapple Pendant Necklace only $8.98 + Free Shipping

Cents of Style Fashion Friday Sale


Yesterday I was on a field trip at the Baltimore Aquarium with my oldest son. While there we browsed the gift shop. One of the trending items this summer is tropical items. I found this adorable pineapple pendant necklace  with a pretty steep price tag. This morning I thought it was pretty comical to wake up and see that Cents of Style's Fashion Friday included the same type of Pineapple Pendant!

5.18.2016

Local Farmers Markets and Farms Serving MD, PA, & WV | 2016 Season

Farmers Markets and Farms Serving MD, PA, and WV

I don't know about you but sometimes I just want someone to compile ONE list of something to save me the time of searching the big "inter-web" and then finding the listing is no longer in business. I like simple and I LOVE anyone that will do the foot work for me

5.10.2016

Frugal Foodie Motivation: Freeze IT!

Freezing leftover foods

Hey guys! Today I was cleaning out my fridge. This is not a typical Tuesday morning activity in my house but sometimes after a busy weekend my fridge is raging out of control.  I hope someone out there can empathize with me.

5.03.2016

Fresh, Local Boneless Chicken Breast....$1.67 per lb!


I had to pop in to notify you of this great stock up price on fresh local chicken.

2.26.2016

#DS321Challenge {March Challenge: Athletes for Down Syndrome Awareness}

#DS321Challenge


It is time to hear all about the challenge for March! If you haven't caught on I am going to run a challenge each month. In January we had the Fresh Start Challenge, February was the Eat in Challenge and for March I am SO EXCITED to be partnering with TeamT21 for an Exercise challenge!  This Challenge has a dual purpose getting fit and helping bring awareness about Down Syndrome!

2.20.2016

Martin's Coupon Haul

Martin's and Giant Matchups for 2/19/2016


It's February and at Martin's and Giant Grocery Stores that means Freezer Stock up Month!

I am sharing a Hugh Coupon and Savings haul with you today. I got over 30 items for under $55 dollars and who doesn't like $1.00 Ice Cream!

Let me know your favorite deals this week and happy savings!


2.15.2016

Goal Achieving: Week 7


All of 2016 I will we sharing my weekly goals to achieve. Please let me know what your goals are each week as well! If you have never set goals you can see my process on setting goals in this video and you can see how I maintain my goals in this video. 

2.08.2016

Goal Achieving: Week 6


All of 2016 I will we sharing my weekly goals to achieve. Please let me know what your goals are each week as well! If you have never set goals you can see my process on setting goals in this video and you can see how I maintain my goals in this video. 

2.07.2016

#Eatinfeb Week 2 Challenge!


Eat in Challenge

It is week two of the #eatinfeb Challenge and you know that means? CRAZY STUFF is going to be happening to your meal time.

You are going to be planning meals, whipping up lunches, grabbing breakfast to go from HOME and pushing the timer button on the coffee maker BEFORE you go to bed!


2.04.2016

Perks of Creating an Amazon Baby Registry


If you in the market to create a baby registry there are several great options for you! My go to is always Amazon because let's be honest just about everyone uses it.

2.02.2016

Goal Achieving: Week 5


All of 2016 I will we sharing my weekly goals to achieve. Please let me know what your goals are each week as well! If you have never set goals you can see my process on setting goals in this video and you can see how I maintain my goals in this video. 

2.01.2016

#EatinFeb: A Challenge to Help your Families Meal Times

#EatinFeb Challenge
Friends it is February 1st and you know that means? CRAZY STUFF is going to be happening to your meal time with my favorite challenge #EatinFeb.

You are going to be planning meals, whipping up lunches, grabbing breakfast to go from HOME and pushing the timer button on the coffee maker BEFORE you go to bed!


Did I mention the best part? You are also going to start seeing little green dollar men on paper magically appear in your wallet for all your effort.

So what am I talking about specially?


1.16.2016

Plan With Me: Plum Paper Family Planner

Plan with me video for Plum Paper Family Planner

You all know that I am a paper planner addict! I think many of you are too because you love seeing my photos of my Plum Paper Family Planner on Instagram and Facebook.

In all honestly I love paper planning for two reasons

  1. It keeps me organized and from missing important dates!
  2. It helps me relax and release my creativity with decorating the pages

I don't do many things that are a creative release because I am not very crafty. However, I have found paper planning fills that gap for me.

1.11.2016

Goal Achieving: Week 2

2016 Goals and Goal Setting

All of 2016 I will we sharing my weekly goals to achieve. Please let me know what your goals are each week as well! If you have never set goals you can see my process on setting goals in this video and you can see how I maintain my goals in this video. 


Each week will be basically be a small step to achieve the larger goal. I want to be focused with NO Excuses this year so I will be trying my hardest to STICK to them and achieve my goals this year.

Starting in Week 3 I will also be sharing how I actually did. I will be real, transparent and honest about this. What is the use of lying anyway?

So lets go!

WEEK 2: Goals to Achieve 

Family:  
  • This week we will have have a family night on Friday. I have a family night scheduled each third Friday of the month. We have slacked really bad with enjoying each other at home lately so this is a must!
  • Focus on no social media during the hours of 5-8pm. This is our family/chore/dinner time each evening and I get roped into social media a lot. My goal is to keep my phone away from me at these time at least 4/7 night.
Spiritual:
  • Go to church for the 3 week in a row
  • Read the 2nd chapter in I am a Church Member
  • Attend Women's Group
  • Pray daily



School:
  • Call with mentor on Tuesday
  • Take Spreadsheets Assessment
  • Finish Managerial Accounting Book/Book Work
Business:
  • Post Consistently
  • Get a led or book one class for February
Personal:
  • Eat a Healthy Breakfast each morning before 9am
  • Gym 3 Times
  • Continue the Fresh Start Challenge
Financial:
Earn half of Car Payment ($70) with TNTLFRESHSTART Challenge
XX,


1.09.2016

#TNTLFRESHSTART Challenge Week 2

Week 2 of the #TNTLFRESHSTART challenge

Are you ready for a Fresh Start in 2016? I know that many of us are and there are many of us that this may seem overwhelming to. If you fall in the latter category I would still encourage you to take on this challenge, because, I promise you it will not be overbearing and at the end you may be pleasantly surprised at you now feel ready to take on bigger and better tasks!

So lets talk about what you need to do for week one!

1.04.2016

My 7 Goals for 2016 and my One Word for the Year

2016 Goal Planning

My goals  for 2016 are evolving just like my life is evolving. This year I intentionally set goals that would challenge me but were very attainable. If you have been around this part of the inter-webs you know that I am goal setter and planner. So setting S.M.A.R.T. goals yearly is no surprise to you.

I also set smaller weekly goals to help me reach my ultimate goals for the year. I find these bite size goals makes the bigger goal not so scary.


This year I am also focusing on "One Word" for my year. In my case I had to be rebellious and set two words that are a call to action. I thought a call to action would be better for 2016 since this year comes after a year of refining.



Family
  • Cultivate already built relationships deeper- in 2015 I meet some amazing people. These people came into my life at a moment that I was vulnerable and I needed them the most. I wanted to focus on building these relationships deeper. This goal also covers my husbands and kids.
  • Be Present- Have you noticed this being a trend? Last year was one of the worst years for me to be in a room but not to actually be there. Thank you social media and lack of will power! This year I am building what I call "Office Hours" which means I will not be responding as quickly to comments, emails, messages ect. I still will be doing my best to answer within 24 hours but I will not be instantaneously responding.
Spiritual
  • Pray without ceasing and LISTEN for God- Last year I was introduced to Listening Prayer. It was a powerful experience for me in my journey. I have since found myself praying more and looking, listening, or waiting for Gods word. I need to develop this so much further, I need to learn to pray in the small things as well as the big.
School
  • Graduate in July 2016!!- There is not much to say about this. I want to be done with school so I can focus on earning an income. I am not sure what this will look like in 2017 but I know I am ready. 
Business
  • Grow, Leverage, and Monetize The Nifty Thrifty to earn a Part-Time Income by July- This goal is new for me this year. I have decided that my passion is family finance and I spend a good portion of my time each day here writing, creating, and helping other through my webiste. There are simple ways for me to earn a small income from doing just this and I will not be compromising my writing style or your trust in me. I am happy to be able to contribute to my family and still feel authentic. 

Water Color Goals display

Personal
  • Implement health and wellness knowledge to take care of myself- Bottom line, if I am empty physically, emotionally, and spiritually I have nothing to give to my family, friends, or business. I want to be a giver, helper, whatever you would call a person who chooses to lift others up with nothing in return. The truth is I have to fuel myself in small ways so I don't burn out. This is not a selfish goal (that is more a reminder for me).
Financial
  • Create No New Debt: Last year we added some debt on our table due to some unexpected events. This Debt will be paid off in February but my goal for 2016 is to create NO NEW DEBT! With the part-time income I hope to be making by July I also plan to pay off 1 additional debt this year!

 To accomplish these years goal I have decided that this year will be the year of "NO EXCUSES". I am calling myself to action to be a good example for family, for you and for the world. 

Please let me know what your goals are for 2016! If you have never set goals you can see my process on setting goals in this video and you can see how I maintain my goals in this video. 

Here is to year of action and accomplishments!

XX,








1.03.2016

#TNTLFreshstart: Week 1 Challenges

The Nifty Thrifty Lady Fresh Start Challenge, A Challenge that helps you reach finanial goals while decluttering and creating systems that work

Are you ready for a Fresh Start in 2016? I know that many of us are and there are many of us that this may seem overwhelming too. If you fall in the latter category I would still encourage you to take on this challenge, because, I promise you it will not be overbearing and at the end you maybe pleasantly surprised at you now feel ready to take on bigger and better tasks!

So lets talk about what you need to do for week one!

1.02.2016

Introducing Fresh Start 2016



Did you know that January is National "Get Organized Month"? Well let me be fully honest, I am not sure that is really a thing, Google says it is but I have my doubts.
Rather, January really is national get organized month or not,  January is the perfect time to make a Fresh Start.

I read a really interesting article in Good Housekeeping about 7 Benefits to Being Organized. You can see the full article here but I wanted to share the top 4 reasons that resonated with me:

  • Less Financial Stress
  • Minimize Personal Conflicts
  • More "Me" Time
  • Better Eating Habits

I think that each of the reasons the article mentioned are important but, the 4 I can connect with are each areas in my like I set goals for each year. If being more organized can help me improve in these areas, then I am going to tackle it with my 2016 focus of "No Excuses"
Of course I want to include you all in on this journey. What fun would it be to do it alone? Plus, accountability is key for tasks like this.

So are you ready to hear about #TNTLFRESHSTART?

I am ready to tell you!