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About Me

photo of lisa

Hi, I’m Lisa! I am from Utah and am the wife of an amazing husband, and a mother of two daughters and one boy. Our boy decided that he couldn’t wait to be born, so he ended up being delivered in the car! Read about our nightmare delivery story here.

When my husband and I knew we were expecting our first child, we decided that I should stay home with our daughter. That also meant going from two incomes down to one–which is not the easiest thing to do.

 

Finances were tight, and I wanted to do something to help ease our financial situation while I stayed home. I looked for ways to be frugal, save money, watch for deals, budget, and cook regularly at home. All these things helped out our family financially.

 

Now I’m sharing with you my best tips and what I’ve learned along the way.

 

I also want to help you save money so that you can do more things with your family and achieve more of your financial goals. Some of those goals may be to pay down debt, to save money for something you want to purchase, to cook at home more, to pay off the mortgage, or to save for that family vacation.

 

I hope these money-saving and frugal living tips I share with you will help you along your financial journey.

 

If you would like to know more about me, read the post My Financial Life Journey and the Lessons I Learned and A Day in the Life of a Blogger.
Hello, I'm Lisa

I enjoy teaching people how to live frugally so they can live within their means while still enjoying and doing the things in life that matter most to them. I'm here sharing tips about budgeting, saving money, meal planning, simple recipes, and more.

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We were hoping we would get a few more years out o We were hoping we would get a few more years out of our water heater, but unfortunately after 17 years, it gave out. This morning we had cold showers, which wasn't very fun. ☹️

What I am grateful for is that we have a home repairs sinking fund. This is where you set aside money for expenses that are predictable. You know the expense is coming up, and instead of waiting until you need to pay for the expense and there is no room in your budget for it, you plan ahead by creating a sinking fund and set the money aside until you need to pay for that expense.

We knew that items in our house would eventually get older and we would need to replace them. 

Years ago, we started to set aside a little money each month in an envelope so when a household item breaks or needs replaced, such as our water heater, we can pay for it with cash and not have to go into debt for it. Even $20 or $50 set aside a month will start to add up over time. That may seem like such a small amount. But saving a little money each month is better than nothing.

I also feel grateful that my husband is very good at fixing items around the house. He knows how to install water heaters, which will save us money by doing it ourselves.

#fix #doityourselfhome #fixit #brokenwaterheater #savemoney #savemoneytips
This American Flag Fruit Pizza is an easy fruit pi This American Flag Fruit Pizza is an easy fruit pizza dessert that is made from a sugar cookie mix topped with a sweet frosting and fresh berries. It's the perfect treat for the 4th of July or another patriotic holiday.

The link to the recipe is below or message me and I'll send you the recipe.

https://savingcentbycent.com/2021/06/29/easy-american-flag-fruit-pizza/

#fruitpizza #fruitpizzarecipe #flag #americanflag #flagfruitpizza #americanflagfruitpizza #4thofjuly #fourthofjuly #4thofjulydessert #fourthofjulydessert #easydessert #patrioticdessert
If you want to save money on something, not buying If you want to save money on something, not buying anything at all will save you more money than buying something on sale.

Before you purchase something, think about whether you could instead make it yourself, get it used, fix it, do without, or find a less expensive alternative.

When you do head to the store or go online to shop, think before you buy anything by asking yourself these three questions:

- Is this item a necessity?

- Can I absolutely afford this item?

- Have I done everything to ensure that I'm getting the best deal?

If it's something you want, wait 2-3 months to see if you really still want that item. And during that time start to save up for it by putting money aside in an envelope or in an account.

In a few months, there's a chance you might not want it. But if you do still want it, then you've already starting saving money to purchase it so you can pay cash for it.

#moneysavingtips #savingmoney #savemoney #savemoneyfixityourself #moneysaver #shopping #beforeyoushop #beforeshopping
This Southwestern Chicken Salad has lettuce, avoca This Southwestern Chicken Salad has lettuce, avocado, tomato, bell pepper, green onions, corn and black beans. Mix in a creamy ranch taco Greek yogurt dressing for a delicious summer recipe. 

Message me or use the link below to get the recipe.

https://savingcentbycent.com/2022/06/22/southwestern-chicken-salad/

#chickensalad #chickensaladrecipe #southwesternchicken #southwesternchickensalad #salad #saladrecipe #summerrecipe #summerrecipes
Have you ever thought to yourself, "I don't know w Have you ever thought to yourself, "I don't know what to cook for dinner." Well, here are some dinner ideas for you. 

Message me or use the link below to see 20 easy weeknight dinners for the family.

https://savingcentbycent.com/2019/08/20/20-easy-weeknight-dinners-for-the-family/

#easydinners #dinnerideas #familydinnerideas #familydinner #dinner #dinnerrecipes #easydinnerideas #easydinnerideas
Making these shredded beef tacos tonight for dinne Making these shredded beef tacos tonight for dinner. It took me less than 10 minutes to put it in the crock pot. It will cook for 8-9 hours, and then I'll shred it and serve it with tortillas, cheese, lettuce, tomatoes, salsa, fresh onions, sour cream, and limes.

Message me or use the link below to get the recipe.

https://savingcentbycent.com/2019/09/26/the-best-crock-pot-shredded-beef-tacos/

#shreddedbeef #beeftacos #shreddedbeeftacos #tacos #tacotuesday #easydinner #easy Dinners #simpledinner #simpledinners #crockpot #crockpotmeals #crockpotbeef
We were hoping we would get a few more years out o We were hoping we would get a few more years out of our water heater, but unfortunately after 17 years, it gave out. This morning we had cold showers, which wasn't very fun. ☹️

What I am grateful for is that we have a home repairs sinking fund. This is where you set aside money for expenses that are predictable. You know the expense is coming up, and instead of waiting until you need to pay for the expense and there is no room in your budget for it, you plan ahead by creating a sinking fund and set the money aside until you need to pay for that expense.

We knew that items in our house would eventually get older and we would need to replace them. 

Years ago, we started to set aside a little money each month in an envelope so when a household item breaks or needs replaced, such as our water heater, we can pay for it with cash and not have to go into debt for it. Even $20 or $50 set aside a month will start to add up over time. That may seem like such a small amount. But saving a little money each month is better than nothing.

I also feel grateful that my husband is very good at fixing items around the house. He knows how to install water heaters, which will save us money by doing it ourselves.

#fix #doityourselfhome #fixit #brokenwaterheater #savemoney #savemoneytips
This American Flag Fruit Pizza is an easy fruit pi This American Flag Fruit Pizza is an easy fruit pizza dessert that is made from a sugar cookie mix topped with a sweet frosting and fresh berries. It's the perfect treat for the 4th of July or another patriotic holiday.

The link to the recipe is below or message me and I'll send you the recipe.

https://savingcentbycent.com/2021/06/29/easy-american-flag-fruit-pizza/

#fruitpizza #fruitpizzarecipe #flag #americanflag #flagfruitpizza #americanflagfruitpizza #4thofjuly #fourthofjuly #4thofjulydessert #fourthofjulydessert #easydessert #patrioticdessert
If you want to save money on something, not buying If you want to save money on something, not buying anything at all will save you more money than buying something on sale.

Before you purchase something, think about whether you could instead make it yourself, get it used, fix it, do without, or find a less expensive alternative.

When you do head to the store or go online to shop, think before you buy anything by asking yourself these three questions:

- Is this item a necessity?

- Can I absolutely afford this item?

- Have I done everything to ensure that I'm getting the best deal?

If it's something you want, wait 2-3 months to see if you really still want that item. And during that time start to save up for it by putting money aside in an envelope or in an account.

In a few months, there's a chance you might not want it. But if you do still want it, then you've already starting saving money to purchase it so you can pay cash for it.

#moneysavingtips #savingmoney #savemoney #savemoneyfixityourself #moneysaver #shopping #beforeyoushop #beforeshopping
This Southwestern Chicken Salad has lettuce, avoca This Southwestern Chicken Salad has lettuce, avocado, tomato, bell pepper, green onions, corn and black beans. Mix in a creamy ranch taco Greek yogurt dressing for a delicious summer recipe. 

Message me or use the link below to get the recipe.

https://savingcentbycent.com/2022/06/22/southwestern-chicken-salad/

#chickensalad #chickensaladrecipe #southwesternchicken #southwesternchickensalad #salad #saladrecipe #summerrecipe #summerrecipes
Have you ever thought to yourself, "I don't know w Have you ever thought to yourself, "I don't know what to cook for dinner." Well, here are some dinner ideas for you. 

Message me or use the link below to see 20 easy weeknight dinners for the family.

https://savingcentbycent.com/2019/08/20/20-easy-weeknight-dinners-for-the-family/

#easydinners #dinnerideas #familydinnerideas #familydinner #dinner #dinnerrecipes #easydinnerideas #easydinnerideas
Making these shredded beef tacos tonight for dinne Making these shredded beef tacos tonight for dinner. It took me less than 10 minutes to put it in the crock pot. It will cook for 8-9 hours, and then I'll shred it and serve it with tortillas, cheese, lettuce, tomatoes, salsa, fresh onions, sour cream, and limes.

Message me or use the link below to get the recipe.

https://savingcentbycent.com/2019/09/26/the-best-crock-pot-shredded-beef-tacos/

#shreddedbeef #beeftacos #shreddedbeeftacos #tacos #tacotuesday #easydinner #easy Dinners #simpledinner #simpledinners #crockpot #crockpotmeals #crockpotbeef
We were hoping we would get a few more years out o We were hoping we would get a few more years out of our water heater, but unfortunately after 17 years, it gave out. This morning we had cold showers, which wasn't very fun. ☹️

What I am grateful for is that we have a home repairs sinking fund. This is where you set aside money for expenses that are predictable. You know the expense is coming up, and instead of waiting until you need to pay for the expense and there is no room in your budget for it, you plan ahead by creating a sinking fund and set the money aside until you need to pay for that expense.

We knew that items in our house would eventually get older and we would need to replace them. 

Years ago, we started to set aside a little money each month in an envelope so when a household item breaks or needs replaced, such as our water heater, we can pay for it with cash and not have to go into debt for it. Even $20 or $50 set aside a month will start to add up over time. That may seem like such a small amount. But saving a little money each month is better than nothing.

I also feel grateful that my husband is very good at fixing items around the house. He knows how to install water heaters, which will save us money by doing it ourselves.

#fix #doityourselfhome #fixit #brokenwaterheater #savemoney #savemoneytips
This American Flag Fruit Pizza is an easy fruit pi This American Flag Fruit Pizza is an easy fruit pizza dessert that is made from a sugar cookie mix topped with a sweet frosting and fresh berries. It's the perfect treat for the 4th of July or another patriotic holiday.

The link to the recipe is below or message me and I'll send you the recipe.

https://savingcentbycent.com/2021/06/29/easy-american-flag-fruit-pizza/

#fruitpizza #fruitpizzarecipe #flag #americanflag #flagfruitpizza #americanflagfruitpizza #4thofjuly #fourthofjuly #4thofjulydessert #fourthofjulydessert #easydessert #patrioticdessert
If you want to save money on something, not buying If you want to save money on something, not buying anything at all will save you more money than buying something on sale.

Before you purchase something, think about whether you could instead make it yourself, get it used, fix it, do without, or find a less expensive alternative.

When you do head to the store or go online to shop, think before you buy anything by asking yourself these three questions:

- Is this item a necessity?

- Can I absolutely afford this item?

- Have I done everything to ensure that I'm getting the best deal?

If it's something you want, wait 2-3 months to see if you really still want that item. And during that time start to save up for it by putting money aside in an envelope or in an account.

In a few months, there's a chance you might not want it. But if you do still want it, then you've already starting saving money to purchase it so you can pay cash for it.

#moneysavingtips #savingmoney #savemoney #savemoneyfixityourself #moneysaver #shopping #beforeyoushop #beforeshopping
This Southwestern Chicken Salad has lettuce, avoca This Southwestern Chicken Salad has lettuce, avocado, tomato, bell pepper, green onions, corn and black beans. Mix in a creamy ranch taco Greek yogurt dressing for a delicious summer recipe. 

Message me or use the link below to get the recipe.

https://savingcentbycent.com/2022/06/22/southwestern-chicken-salad/

#chickensalad #chickensaladrecipe #southwesternchicken #southwesternchickensalad #salad #saladrecipe #summerrecipe #summerrecipes
Have you ever thought to yourself, "I don't know w Have you ever thought to yourself, "I don't know what to cook for dinner." Well, here are some dinner ideas for you. 

Message me or use the link below to see 20 easy weeknight dinners for the family.

https://savingcentbycent.com/2019/08/20/20-easy-weeknight-dinners-for-the-family/

#easydinners #dinnerideas #familydinnerideas #familydinner #dinner #dinnerrecipes #easydinnerideas #easydinnerideas
Making these shredded beef tacos tonight for dinne Making these shredded beef tacos tonight for dinner. It took me less than 10 minutes to put it in the crock pot. It will cook for 8-9 hours, and then I'll shred it and serve it with tortillas, cheese, lettuce, tomatoes, salsa, fresh onions, sour cream, and limes.

Message me or use the link below to get the recipe.

https://savingcentbycent.com/2019/09/26/the-best-crock-pot-shredded-beef-tacos/

#shreddedbeef #beeftacos #shreddedbeeftacos #tacos #tacotuesday #easydinner #easy Dinners #simpledinner #simpledinners #crockpot #crockpotmeals #crockpotbeef

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