How to Use Sink Funds to Save Money

How to Use Sink Funds to Save Money

I've talked before about what a sink fund is - and how it helps to stretch our budget. Today I want to explain specifically how, where and why we keep our sink funds for maximum money-saving. When I started to investigate where to "keep" our sink … [Read more...]

Budgeting Basics | PerkStreet Cash-Back Debit Card {Virtual Cash Envelopes + $25 Bonus}

Perk Street Financial

Last week I told you how we use our Capital One 360 Checking Account for a virtual grocery budget cash envelope. Well, here's one more option I came across: PerkStreet Financial. I actually learned about PerkStreet from Dave Ramsey, who is a … [Read more...]

Budgeting Basics | When Cash Envelopes Don’t Work ~ Open a Checking Account (& Get $50 Bonus)


When my husband and I got serious about saving money, one of the most important things we had to do was figure out how exactly much money we were spending in the first place. You can't spend less, unless you know how much you're … [Read more...]

Time to Update Your Price Books!

When I teach my Kosher on a Budget couponing class, I always stress the importance of keeping a price book. The more you know, the more you save. My favorite example is Newman's Own pasta sauce. At Walmart - where I'd assume the price would … [Read more...]

How to Get Organized and Meet Your Financial Goals (


It's (almost) a new year. Time to turn over a new leaf. For me, and I'd imagine many of us, that means time to get organized! Over the past several weeks, I've been focusing on financial organization. As we have moved more and more of our … [Read more...]

The Psychology of Budgeting, Part 3: The Importance of Having (Short Term) Goals

One of the things I learned about myself during our get out of debt journey is that sticking to a budget just because is really, really difficult for me. I need something else. Eventually, I figured out that for me, that something else is … [Read more...]

The Psychology of Budgeting, Part 2: There are no sacred cows.

When my husband and I decided to get out of debt in January of 2008 (yes, it's an anniversary for me!), we knew we were going to need to make some drastic changes in our spending habits. While we hadn't been doing anything "extravagant", we had … [Read more...]

On Passover Bondage & Credit Card Debt


This is the bread of my affliction. As you guys probably know by now, I am a big proponent of budgeting. Not only do I think it’s critical that you have a budget – but also that you have a reliable method for tracking how much you’re spending … [Read more...]

How to Shop for Passover on a Budget, Part 3


Cheapskate blogger, Susie Sharf is at it again - helping us all save money on our Pesach shopping. If you missed her first two posts, go read How to Shop for Passover on a Budget Part 1 and Part 2. Then check out part 3 of her great guest post over … [Read more...]

How to Shop for Passover on a Budget, Part 2 (Guest Post)


With Purim behind us, it's time to turn our attention to the next holiday on the calendar: Pesach! I know I'm still in denial, but I will start making a list soon. In the meantime, Susie from Cheapskate is back with her helpful series on how to shop … [Read more...]