Can You Save Money by Purchasing More Expensive Clothes?

I’m guilty. While I consider myself fairly frugal, I am seriously addicted to purchasing second-hand clothing. Most people probably look at me and think, “Damn how many North Face jackets does a woman need?!” It’s true, I have quite a few. In fact, despite telling myself that I would never buy expensive clothes for myContinue reading “Can You Save Money by Purchasing More Expensive Clothes?”

My Experience with Whole Life Insurance

Everyone has their own strategy for how they invest their income to maximize long-term earnings potential. In this post, I want to talk about my experience with a whole life insurance policy. What is whole life insurance, how do the earnings compare, what was my experience, and what did I learn? If you read myContinue reading “My Experience with Whole Life Insurance”

Creating the Vision for Your Future and Measuring Progress

In a world where we are constantly comparing ourselves to others on social media, it’s easy to focus on all the things we don’t have or haven’t experienced. However, I like to use social media as a way to be inspired by others who have created an intentional life for themselves. I enjoy seeing howContinue reading “Creating the Vision for Your Future and Measuring Progress”

Which Subscription Services Bring Value into Our Lives?

Read my disclaimer here. A few months ago, I thought subscription boxes were fantastic. They were a mini monthly present to myself that was exactly what I wanted, and yet still a complete surprise. Makeup subscriptions, children’s books, dog toys, clothing, sustainable products, underwear, snacks, produce, etc. You name it, if marketing told me IContinue reading “Which Subscription Services Bring Value into Our Lives?”

Avoid Passing on Lifestyle Creep by Raising Frugal Children

This post may contain affiliate links. Lifestyle creep is when we gradually increase our spending as we earn more, and ultimately requires us to have more money and stuff to sustain our happiness. Unfortunately, we may be passing along that expectation to our children, defining what they need to be happy before they’ve had aContinue reading “Avoid Passing on Lifestyle Creep by Raising Frugal Children”

Goals for 2021 – Financial Independence, Minimalism, Happiness and Being a Mother

It wouldn’t be the start of a new year without time to reflect on goals for the next 12 months. Since writing them down makes you significantly more likely to achieve them, I thought it wouldn’t hurt to create a blog post to hold myself accountable. In my post, I also reference a few otherContinue reading “Goals for 2021 – Financial Independence, Minimalism, Happiness and Being a Mother”

How HSAs Support Retirement Savings and How I Selected Our Health Insurance Plan

First, I want to touch on the benefits of HSAs (Health Savings Accounts) and how much you can save in taxes and earn in interest as you plan for retirement. Then I’ll review how I selected the best health insurance plan for our family for 2021. I’ll also share a spreadsheet that I used toContinue reading “How HSAs Support Retirement Savings and How I Selected Our Health Insurance Plan”

Financial Independence and Children

Achieving financial independence is an admirable goal, but is it possible to achieve while raising children and navigating the many financial decisions we make as parents? The USDA suggested that the cost of raising a child to the age of 18 is as much as $233,610 in the year 2015 and doesn’t include college education.Continue reading “Financial Independence and Children”

Welcome to Balanced Mamma

Each of us has a unique set of skills and lessons we learn through our life, and my goal is to document my journey as I travel through life in hopes of helping others learn from my experiences. I have four core areas that I chose to focus on to be the best version ofContinue reading “Welcome to Balanced Mamma”