Prioritized Living

5 Proven Ways to Tidy Up Your Spending

Overspending has never been easier.

In mere seconds from just about anywhere, you can mindlessly type and swipe your way to a pricey online impulse buy. And, surprisingly, overwhelming living expenses aren’t typically to blame for overdoing it with your wallet.

One NerdWallet study found that one in two Americans overspend not out of necessity but for emotional reasons like stress, excitement, and sadness. And the numbers are even greater for younger generations, with two out of three millennials admitting to emotional overspending.

Self-awareness is the first step in avoiding overspending that’s driving you into debt. And if you’ve already taken the time to tidy up your money mindset, you’re well on your way.

But there’s more you can do.

As you know, countless Americans are currently on a mission to declutter their lives and organize their homes, Marie Kondo style. But what if you could tidy up your spending?

Check out these top tips for cleaning up your spending habits: [Read more…]

33 Things You Can Organize in 10 Minutes or Less

Note: This post contains affiliate links. Read my policy here.

So often, before you start the process of getting organized, you have to overcome the immense hurdle of procrastination. After all, decluttering can seem like an immense project!

But there’s no rule that says you can’t start organizing your home until you have a full weekend to devote to purging and sorting. In fact, tackling the clutter and tidying up is something you can do every day — no matter how busy you are.

Looking for some quick organizing tips? My list below includes 33 projects you can tackle from start to finish in 10 minutes or less.
[Read more…]

23 Father’s Day Gifts Under $100

Note: This post contains affiliate links. Read my policy here. I will be compensated if you make a purchase after clicking on my links.

Father’s Day is nearly here! So that eternal question is rearing its head again . . .

What on earth can I give Dad as a gift?

And if you’re looking to buy a present on a budget? You might seriously be scratching your head.

I’ve been there. So I’m sharing 23 of my favorite gift ideas — all under $100 — for that incredible dad you love and adore every day of the year.

Whether you’re buying as a daughter, wife, granddaughter, or an agent for the kids, you’re sure to find a unique and budget-friendly gift he’ll love this Father’s Day!

[Read more…]

It’s Time to Take Some Time Off (Without the Guilt)

As a business owner, die-hard numbers girl, and a productivity junkie, I obsessively track my time at work. After all, it pays to know how many hours go to marketing, client work, invoicing, training, etc. And analyzing those hours is invaluable in assessing the value of each client and in pricing my services.

But, when I looked into my numbers a few weeks back, I noticed something shocking: Even though I was well into May, the number of hours I hadn’t worked amounted to just two (work) days off this year.

Two days off in nearly five months. During that time, I’ve seen national holidays, day care holidays, contractors milling around my home, a bad cold (that got passed around the whole gang), a mini vacation for my family, and more. But I’ve compensated by sacrificing my personal time on nights and weekends.

And most of those times I was working . . . I didn’t have to. There was no looming deadline or immediate need for me to tackle whatever project I was doing toward building and sustaining my business.

I just didn’t bother to take time off!

So I recently forced myself to close up shop on a Thursday. It was amazing! With beautiful weather, my son and I threw coins in our town’s fountain, laughed over ice cream at a streetside table, and strolled the town before hitting the library together.

But what about you?

When was the last time you took a day off for real? When you left work behind for an entire day to enjoy your family or relax on your own?

If the idea sounds laughable — or if playing hooky has you racked with guilt — consider this . . . [Read more…]

How to Save Money on Prescription Medications

Sticker shock is alive and well at every pharmacy across the country.

Prescription medication is expensive.

Plenty of people shell out continuously to cover treatment for chronic medical conditions. And, other times, getting a prescription is an unpleasant, pricey surprise. Your kid gets an infection. You’re injured in an accident. Or you face an unexpected diagnosis.

In fact, a recent survey by RxSaver found that the average American adult spends $33 each month — that’s $400 a year! — on prescription medication. And kids’ prescriptions add an additional $341 a year to your budget.

Any way you slice it, it feels like your wallet is completely at the mercy of your pharmacist.

So what can you do? How can you ensure that you have the money you need to cover your essential medical costs?

If you want to know how to save money on prescriptions, try these smart strategies for saving what you need and growing what you already have. [Read more…]

How Much Should I Spend on Groceries?

Is your food spending normal?

Maybe you’re a die-hard fan of outsourcing your food prep. You eat nearly every meal out and use your oven for storage.

Or, on the flipside, you’re a frugalista — someone who shops for the best deals in-store and online, stocks up on discount groceries, meal plans like a pro, and whips up 40 inexpensive freezer meals in a day.

But everybody wants to know . . . How much should I spend on groceries? Is my family’s food budget on target, or are we way off?

Get ready to see whether your spending is in line with the average grocery bill in America. Learn how to create a custom food budget for your family. Plus, grab the FREE food budget calculator down below for calculating your family’s ideal grocery budget!

Here we go! [Read more…]

Lose the Clutter & Get Organized: My 1-800-GOT-JUNK? Experience

Note: This post contains affiliate links. Read my policy here.

It was time for a major clutter purge. That was the thinking of my husband and me in mid-2018.

We’d moved into our home a few years earlier, still toting plenty of possessions from before we were married. Up until then, we’d done a decent job of donating the smaller stuff we didn’t want to organizations that would take it. We had dropped boxes at Goodwill, given unused diapers to a local women’s shelter, and scheduled driveway pick-up for donations to the Salvation Army and Big Brothers Big Sisters.

But the big stuff we no longer needed (or wanted) as a married couple remained. The dining room set and recliner from his late, great-uncle. The second-hand love seat that had graced my first apartment out of graduate school. A skeeball table my husband had given me for Christmas the year we started dating! The list went on.

Some of it was moveable — like my husband’s old fish aquarium and a massive painting he had purchased at a discount back in the day. But no charitable organization wanted to take them off our hands.

And other stuff was stuck. Maybe the two of us could have gotten that love seat and recliner out of the basement, but it would have been a major pain.

Finally, some of our junk was simply that. But much of what we wanted to clear out was not only usable but easily would have value to other people.

So we wanted a service that would . . .

Take all of the clutter we wanted removed . . . instead of cherry-picking from our stash,
Actually carry it out of our house . . . instead of forcing us to haul it out to the curb,
Donate, resell, or recycle our stuff, as appropriate . . . instead of sending it directly to the dump,
And do it all professionally and at a fair price!

After plenty of research, we turned to 1-800-GOT-JUNK?, a nationwide, residential junk removal service. And we were thrilled with the result!

If you too are ready to clear out your clutter and get organized, a junk removal service may be something you’re considering! And you’re looking for a thorough 1-800-GOT-JUNK? review.

So here’s what you need to know about the process — how 1-800-GOT-JUNK? works, what you’ll pay, and what I love (and don’t love) about it. [Read more…]

Can’t Stick to a Budget? How to Overcome 6 Common Obstacles

You know that a budget is invaluable for sticking to your money goals. And a great financial plan can help you prioritize those goals, manage your debts, and focus your money where it matters.

But living on a budget is sometimes easier said than done. And 6 common problems routinely trip up people with good financial intentions.

Ready to troubleshoot your pain points? If you’re struggling to figure out how to stick to a budget, these solutions are just what you need. [Read more…]

Steal This Trick from Insanely Productive People

We all want to be more productive.

Maybe your to-do list is so long that you can’t finish everything. So you want to get it all done in the time you actually have available.

Or you simply want to blast through the stuff you have to do so you can have more time for the things you want to do.

Either way, you could definitely use some time management tips that will cut wasted time and effort and maximize your efficiency.

And there’s one productivity hack that truly productive people turn to religiously — task batching.

So we’re looking today at what task batching is, why it works, how you can get started, and how you can take your task batching powers to the next level. [Read more…]

How Much Money Should You Have in an Emergency Fund?

Here’s a personal question: How healthy is your savings account looking these days?

Not so good? You’re not alone: A recent survey from GOBankingRates found that 58% of American adults have less than $1000 in savings. And more than half of that groups has zero dollars saved.

Zero!!!

It’s time to change that statistic and get serious about building an emergency fund.

But just how big should your emergency fund be? How do you know what number you should target in that all-important savings account?

Here’s how you can answer that big question with confidence.

[Read more…]