#spendlesslivemore

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We are rolling out our new logo in style! Comment and tag a friend- first 5 will win a shirt for you both! #thefalls #spendlesslivemore #livedifferent #appleairpods

There are so many amazing magazines and websites that can give you inspiration on ways to enjoy you local area on a #budget. #SpendLessLiveMore by doing something new, cheap and FUN!! #fintech #spending #money

Cuando le sonríes a la vida, grandes cosas suceden #Chiapasionate #Mexicoiswonderful #spendlesslivemore

Dreaming about our next family trip... 😴👣🐾🌎 #dreams #fursiblings #travels #furtravelers #spendlesslivemore

fiz loves moms. moms love fiz. 20% off with code "cheers" www.fizworld.com link in profile #fizforall #spendlesslivemore #fizlovesmoms

"Time is our one true currency, spend it wisely" #spendlesslivemore #quoteoftheday

I've been working so hard on us paying down debt, saving money the money that was spent on my medical stuff and just being a financially healthy family. I have worked hard shopping sales and already put together a decent Christmas for my kids and husband. I'm not done but I've even bought other family members gifts. I want to do thoughtful gifts but we can't go crazy money wise so it's all about the planning. My son's birthday gifts are bought and wrapped. His brithday is the end of September. I'm feeling good about my frugality so I treated myself to something I've wanted for a long time. And hey, I got It on sale with coupons for $66!

Our goal for July was to buy all of our food from local sources either from farms, farmers markets, with supplementing at a small, local health food store. When I tell people that, the immediate response is usually a comment about how expensive that must be.
I'm excited that we were able to make it through the month with a food budget of $250 with $22 leftover! So basically the same as when we shop at Aldi! The two biggest things that we did to make this happen were to use everything we bought (i.e. If you buy beets, eat the beets and the beet greens) and to buy the majority of cheaper items (hello zucchini!) and supplement with the more expensive stuff. I should note that in addition we receive a weekly vegetable csa share and we spend an additional $100 on meat from a meat csa. #spendlesslivemore #budgetlife #eatlocal #buylocal #knowyourfarmer

Say hey to Yoast! He is a ten week old pure Samoyed puppy! Born in Tennessee, Yoast has two sisters and 1 brother. His dad- Umberto-is from the Ukraine with a champion bloodline and a reward from the AKC dog show for "most handsome 2016". Yoast is more than just a ball of fluff- his booming personality and variety of toys keep everyone entertained! Until he falls asleep on the kitchen tile.... Congrats @l_krasucki @mattcostanza for submitting a great bio and winning the pet of the week! #thefalls #spendlesslivemore #livedifferent #samoyedpuppy #como

MOST RECENT

Frugal Find of the Week! Living in an apartment complex can make it challenging to carry in groceries, do laundry, etc. I've been looking for something portable(yes it folds up)!Found this here @ozarktrail wagon @walmart! 50 bucks and holds up to 225 lbs. Its really sturdy and handles turns well! Can't wait to take it for a stroll through a pumpkin patch this fall 🎃. If I get tired hubby can pull me along in this thing! 🤗
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#frugalliving #frugalfindoftheday #frugalista #frugalandfabulous #frugallifestyle #wagonlove #wagonridesarethebest #wagontime #walmartfinds #walmartswag #walmartfind #practicallife #practicallifeskills #frugalfamily #pumpkinhauler #groceryhauler #laundrycart #grocerycart #frugalalley #livewellspendless #spendlessdomore #spendless #spendlesslivemore #apartmentliving #apartmentideas #apartment #ozarktrailgear #ozarktrail

Life of a financial savvy traveler! #poshmark #minimalism #worldtravelingwithkids

I've been working so hard on us paying down debt, saving money the money that was spent on my medical stuff and just being a financially healthy family. I have worked hard shopping sales and already put together a decent Christmas for my kids and husband. I'm not done but I've even bought other family members gifts. I want to do thoughtful gifts but we can't go crazy money wise so it's all about the planning. My son's birthday gifts are bought and wrapped. His brithday is the end of September. I'm feeling good about my frugality so I treated myself to something I've wanted for a long time. And hey, I got It on sale with coupons for $66!

1 mortgage payment down, 71 to go! 🙌🏼

Throwing some love to @rocket_science who inspires me daily. This woman is full of amazing tips on living minimally, waste free, and plastic free. Each month is focused on a specific topic and for August she's doing a no spend challenge.
I 💚 this.
Check her out!

Happy August! As I sat here contemplating a new month and reflecting back on last month I thought, what next? I will continue my efforts to avoid plastic, for sure. I was encouraged and inspired by a lot of people on Instagram. As I scrolled through this morning I saw my next adventure, #nospendaugust. It aligns with my goals for more simplicity and minimalism in my life. So let the next adventure begin!-
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So here are my plans. No spending money on things I don't need this month. I plan to only buy-
-groceries-
-gasoline-
-travel expenses-
-car repairs-
-birthday gifts for my husband and dad-
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So this will be a bit tricky because we will be traveling for a couple days to visit some family and there will be costs for that. Also we have to replace the windows in both our vehicles and do some maintenance. But beyond those things my plan is to not buy anything I don't need including-
-Amazon purchases-
-thrift store shopping-
-misc impulse buys-
-Here we go! Who wants to join me? Who wants to hold me accountable? This will not be a walk in the park.-
#frugalliving #minimalism #spendlesslivemore #nospend #nospendmonth #experiencesnotthings #thinkbeforeyouspend #lesswaste #homemade

Table needed a facelift or to be thrown out, but it was still perfectly functional. Now my son has a new table to store his Lego under and play space on top! #upcycle #lessismore #lesswaste #refreshed #newleaseonlife #oldbutstillgood #lego #ikea #ikeahack #spendlesslivemore

Getting a bit of a head start on my August goals by listing 9 things on eBay, already beating my target of 5! 🤓 Two things sold already for a total of £20 and I'm in the process of trading in some old tech to Music Magpie for another £40, fingers crossed! As we're already set to significantly overpay on the mortgage, these little bits of cash will barely make a difference so they're going straight into our savings pot so we can treat ourselves!

Yesterday I attended a beautiful wedding. I put these braids in myself (first time EVER! It was a bit gappy at the back but we won't go there! 😁) I do not have spare cash to spend at the hairdresser!!! Cost of total outfit £4.50 on shaped eyebrows 😜 £6.00 on new mascara and nail varnish. Because I ain't got NO money to be paying for manicures when everyday I'm washing dishes and cooking and thinking about my children's future just like all the other young families out there. I love it when I pull an outfit together and hardly spend a penny on anything new. 🖐🏾 I wore these flat 👠 so I do not tower over my man. 😂#wedding #saturdaynight #nofilter #huladancefitness #hoopersofinstagram #waistbeads #ghanawaistbeads #freestylehulahoopqueen #hulahoop #spendlesslivemore #budgettip #savemoneyinvestmoney #mother #motheroffive #fitness #fashion #bargain#makeanoldoutfitnew #topshoptall

Last night I attended a beautiful wedding. I put these braids in myself. I do not have money to spend at the hairdresser!!! Cost of total outfit £4.50 on shaped eyebrows 😜 £6.00 on new mascara and nail varnish. Because I ain't got NO money to be paying for manicures when everyday I'm washing dishes and cooking and thinking about my children's future just like all the other young families out there. I love it when I pull an outfit together and hardly spend a penny on anything new. 🖐🏾#wedding #saturdaynight #nofilter #huladancefitness #hoopersofinstagram #freestylehulahoopqueen #hulahoop #spendlesslivemore #budgettip #savemoneyinvestmoney

One thing I'm going to find most difficult about embracing a more frugal way of living is keeping my Waitrose and Booths (essentially a Northern version Waitrose, i.e. equally as expensive) addictions under control! Didn't have anything planned for this evening as hubby is painting the hallway, so I went for a little stroll and *poof* £15 gone like that 😫
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August will be the first month that we'll have a proper budget in place so my plan is to cut down the amount of meat we are eating (the biggest expense) and do most of the food shopping online to reduce the temptation to stray from my list 😈

So after four weeks of going back and forth with the bank, we have finally had our 10 year mortgage approved and completed! This means we will be able to overpay down to 6 years without being charged as we would on a longer term - woohoo! 🕺🏼 Can't believe we still had 25 years ahead on our old deal... 25??!!
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We also have some insurances up for renewal next month so I'll be shopping around to try and knock a few £££'S off our monthly bills 💸

If I could only give ONE piece of advice to anyone looking to save money on their food shopping it would be to raid the reduced section of the supermarket for meat and anything else you can freeze and chuck it all in the freezer as soon as you get home. The amount of money I have saved by doing this is craaaaazy!!! I'm definitely a 'never pay full' kind of girl wherever possible and this is one serious money saving exercise, especially if you have a carnivorous husband like me!
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I've just raided the reduced section at #waitrose and bought all this meat (and a pizza!) for £14 when it should have been £34 (my personal favourite being the wrongly-marked chicken that should have been £8.59 but was reduced to £2.77). Winner winner literal chicken dinner!

I never use to pay attention to freebies like this and would throw them away without a second thought but then stump up full cost when we did decide to go for a day out. So this time I'm going to stash what is essentially a free ticket to Alton Towers or Sea Life Centre (the two we would be most likely to use) just in case!

When I've been scrolling through other people's Instagram and seeing how much of their income they plough into their debts (especially you US frugalistas!) I'm always amazed by how much cash they're able to invest into paying them off, but I know circumstances and salaries are very different for every person and every country.
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So for the sake of transparency and perspective (and our own accountability!) I thought that at the start of each month I would post our total income, our total outgoings (mortgage and bills) and how much money we have left to see us through the month, followed by a month-end round up of how much we actually spent.
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I thought it would also be useful to tell you a bit more about us! We are a retail manager, an admin assistant and a Ragdoll cat - no kids YET - running one small car and living in a semi-detached in the North West of England.
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We live pretty simple, modest lives, buy most of our clothes in the sale (I also love trawling through eBay in the dead of night when I should be sleeping and definitely not spending money 🌚), don't drink or smoke, don't eat out very often or have pricey TV or mobile phone plans, don't go on fancy package holidays and don't have expensive hobbies.
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We DO however love travelling (I'd love to be able to share some of our shoestring adventures with you all!), cooking, countryside walks and cinema dates.
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So this is me committing to laying our cards on the table in the pursuit of what was once a dream and is now the plan to pay of our mortgage super early! I hope you stick around! 👋🏼

Follow your own path!
I watched the Minimalism documentary. So many gold nuggets & value! Please watch it!!!
Something they said was along the lines of sharing their "recipe for life & if some people can take away some ingredients to add value to their life" then they are sharing a valuable mission! MUST WATCH on Netflix x

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