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Stephanie Jones
Lives in California
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Stephanie Jones

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Is there a such thing as giving too many gifts? Could your generous heart be spoiling your children? Is it possible to scale back if you've already gone overboard?

http://www.sixfiguresunder.com/present-precedent-over-gifting/

#christmas #giftgiving #frugal #children #overgifting #spoiled #toomanygifts
For our oldest daughter's first Christmas, like any new mom, I was eager to buy her lots of cute and fun things. Of course I would be sure to get a great deal on everything (because I just can't help it), so I knew there wouldn't be a problem with over-spending. My wise husband was not worried about money either, but he was concerned with over-gifting. "She's 9 months old," he reasoned. "She already has plenty of toys and books and clothes. She d...
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Stephanie Jones

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Sometimes being frugal is hard.  Sometimes it’s easy, but either way, the feeling of accomplishment is there.  Whether it’s scoring a great deal at the store, avoiding a tempting purchase, or finding a creative hack to save big bucks, it’s fun to…
Any other frugal folks hate mending like I do? Well this week's frugal feat involves some frugal mending, as well as some homemade laundry detergent.
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In the two weeks since I last reported frugal feats, flops, and funnies, we’ve had our share of frugal feats and flops.  Sometimes they’re funny, too, because it’s always nicer to laugh than cry! As always, please chime in with your own frugal feats,…
On Fridays I'm sharing frugal feats, flops, and funnies from the week. This week we scored some great free stuff and had some real flops too! Come share yours!
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Whether you should stay home or go back to work after having kids is a question I can't answer for you. There isn't a one-size-fits-all, correct answer. You have to decide what's best for you and your family.

When you're deciding to stay home with you kids, there are some important factors to consider and prepare for.

Today I'm reflecting on my decision to stay home with my kids and how we prepared for it financially.

http://www.sixfiguresunder.com/deciding-to-stay-home-with-kids/

#sahm #wahm #mom #newmom #workingmom #personalfinance #stayathomemom #finance #budget #familyfinance #sponsored +Northwestern Mutual
Deciding to be a stay-at-home parent is a big deal. When you're deciding to stay home with you kids, be sure to factor in and prepare for these things!
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I love getting questions from readers.  While I try to respond to each one, some do slip through the cracks.  When I get the same questions over and over, I know those are topics I need to write a blog post about. Today’s topic is one of those.  After…
Many debt-smashing advocates are against credit cards. However, when used responsibly credit cards are a useful tool. Here are 5 reasons to use credit cards
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Homemade unsweetened applesauce is great for your diet and your budget. Here's a step-by-step tutorial with photos so you can fill your shelves with this delicious staple.

#homemadeapplesauce #canningapplesauce #applesauce #phototutorial #canninghomemadeapplesauce #makeyourownapplesauce

http://www.sixfiguresunder.com/canning-homemade-applesauce/
Homemade unsweetened applesauce is great for your diet and your budget. Here's a step-by-step tutorial with photos so you can fill your shelves with this delicious staple.
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We compared one-way rental trucks and other moving options until we found U-Pack. Not only was it the least expensive, they drive the truck for you! Can't beat that!

http://www.sixfiguresunder.com/saving-money-on-long-distance-move/

#moving #movingtips #savemoneyonmoving #longdistancemove #moneysaving #savingmoney #frugal #ad
We compared one-way rental trucks and other moving options until we found U-Pack. Not only was it the least expensive, they drive the truck for you!
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Even though we’re done paying off our debt, we’re still keeping up with sharing our family’s real budget with real numbers and lots of detail.  It helps keep us accountable and on track as we tackle our next goals.  And since topics like income and…
#familybudget #budgeting #realbudget #personalfinance #familyof6 #incomeandexpenses #budgetreport
Want to see a real family budget in action? We share our family's budget in detail each month including all of our income, expenses, and savings. It's personal finance made public.
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I constantly get emails from readers who want to start (or grow) a blog that will make money and help them pay off debt.  That’s not surprising, considering how my blog was a huge part of our own debt payoff journey. So even though I know most of my…
Is the Genius Blogger's Toolkit is worth it? From the numbers it's a no-brainer at over $5,000 for just $97, but let me tell you why in my honest review.
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It’s pretty safe to say that we all want our children to grow up to be happy, productive, successful contributors to society.  We want our kids to eventually be self-sufficient and leave the nest. Are we equipping them to do it well?  Are we teaching them…
Are we teaching our children the life skills they need to be self-sufficient and successful? Here are three life skills your kids need to learn now, but no one is teaching them.
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  I love cold cereal.  I could seriously eat it for any meal. Back when we lived in town, I would combine coupons and sales to get cereal for great prices.  Now that we live in the boonies, I don’t use coupons anymore.  Shopping at a discount grocery…
Do you stock up on cold cereal? Stocking up on cereal is a great way to save money. Sometimes it's even the source of frugal feats, flops and funnies.
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Payday loans make my blood boil. When I participated in FinX, a simulation to see what it's like to be unbanked or underbanked, I had to go into a payday loan place for the first time.
#personalfinance #finx #paydayloans #checkcashing #unbanked #underbanked #cfsi #csfinnovation #reallifefinance
http://www.sixfiguresunder.com/first-payday-loan-experience-finx/
Payday loans make my blood boil. When I participated in FinX, a simulation to see what it's like to be unbanked, I had to go into a payday loan place for the first time.
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Personal Finance Made Public
Introduction
Hi!  I'm Stephanie, wife to an amazing husband and mom to three great kiddos.  While in law school, we made SIX FIGURES... in DEBT.  Now as a family of 5 with an income of $40,000, we are determined to be DEBT-FREE in THREE years.  You can read all about it at SixFiguresUnder.com.
Bragging rights
In the past year we have paid off nearly $40,000 in student loans (and we're just getting started)!
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Female
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Currently
California
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