Tips for Saving Money from a Frugal Mom

Everyone needs to save money in today’s economy.

Everything we can do to help our families make the dollar stretch helps.

Being frugal does not mean you are cheap; it simply means you are wise with your money.

Being responsible for our own spending is the key to gaining ground with the family finances.

We must teach our kids the reality of what to expect and their own responsibilities in saving and spending money.

Living on a Budget

Whether you have a lot of money or not, you need to be responsible and live on a budget. Creating a weekly and monthly budget helps you know where the money is going.

For instance, let’s say the pay checks come in during the first and the fifteenth of every month. For the beginning of the month you schedule your mortgage payment and set back money for those miscellaneous things, such as a tire blowing out or a school project that needs materials. For the mid-month you schedule your car payment, insurance, and utility bills, and you will also need to save some back for miscellaneous.

Of course, due dates will dictate how you divide your bill payment, but knowing what needs to come out of each check will be helpful. Anything saved for miscellaneous should be kept in that fund in case of an emergency.

Of course, you will have to budget for food and gas for both paychecks. One way you can save money is to create a menu for the week or the two weeks between paychecks. Go through your kitchen, see what you have, create a list of what you need, and go to the grocery store and stick to what is on the list. If you take your children with you, be strong and say, “No,” when they are grabbing things to put in the basket. An occasional treat is fine, but teach them not to expect a treat or a bunch of junk each time you go. If you want them to be disciplined with their money as adults, you must discipline them when they are hanging off the front of your grocery cart with arms shooting out to get what they want. It is a great teaching moment for you though your children will not appreciate it at the time.

If you have money left over from each check, put some of it into savings. Even if it is ten dollars every two weeks, that is a start. Also, a great tip for buying Christmas gifts is to put aside a certain small amount each check and tag it for Christmas and birthday shopping. You will be so relieved when it comes time to start your Christmas and birthday shopping.

Another great way to save money that seems minor is disregarding your daily change. Ladies, instead of putting your change in your billfold, just throw it into your purse - you know, that vast deep bottomless pit that you cannot find anything in anyway. Change gets heavy. You will either have to clean your purse out to lighten the load or switch purses. Have a container, like a big bowl or jar, you throw all your change into. Let your husband know where the bowl is so he can add to it, too. Another great place to keep change is in your car ashtray or console. You will always have it to fall back on when you need a few extra coins. At the end of the year, buy some coin rolling slips, put your coins in them, take them to the bank, and use them for whatever you want or need. You will be amazed at how much you saved throughout the year by simply throwing your extra change in a bowl. Buy your kids a piggy bank and teach them the same concept. Be consistent.

Using Coupons

Clipping coupons is not the most fun thing to do, but using the coupons is an effective way to save money at the grocery or discount store. Be sure to buy the Sunday paper for its coupon fliers and many Wednesday editions have coupon fliers, too. You might also go online and type “coupons” into your search engine and join a club that will send you coupons in your e-mail.

When you have several coupons, you need to keep them organized. Throwing them in your billfold and expecting to remember to use them is a good way to forget. You can buy an inexpensive organizer and either place it in your car, purse, or diaper bag. Coupon organizers are usually divided in the order of the type of product, for instance: canned goods, health and beauty, or baby items, to name a few. Before going to the store, go through your coupons, choose the ones you want, and put them in the front of the organizer for easy access. It is also good to try to put them the order in which the store is laid out, so you can pick up the item and know you have a coupon for it.

Do not forget to check the stores that you normally shop for a points card or a “membership card” that allows you discounted items. Also, any time you are able to buy coupon cards or books being sold as fundraisers, it is a great way to get tailored coupons for your area.

Buy the Off-Brands

Check out the off-brands when shopping. Most are close or even exact as the brand name. When buying food items, compare labels to see if the nutritional value is the same.

If you have a coupon, you may be able to get the brand name for cheaper but on the whole, the off-brand is going to be cheaper. - Shopping Online

If you like to shop online, you will love When you join MyPoints, you go through their website to shop at the most popular places like Barnes and Noble, Lowes, Pet Smart, and literally hundreds of more stores. Each store has set a point value for each dollar spent. Barnes and Noble gives 10 points per dollar, some stores give 2 to 4 points per dollar spent, others offers give you a large amount of points for buying a product. Each year I buy Entertainment Books (a large coupon book that can be tailored to your area or for someone else's) for myself and gifts. I receive 750 points per book. What do I do with these points? Since I shop online for many things and take advantage of going through, I get thousands of points a year. You get to choose from a variety of store and restaurant gift cards. Last year, I got my husband a $50 Lowes card, each of my three kids received a $25 Barnes and Noble card as stocking stuffers, and a $50 Kohl’s card for myself. I earned these points and gift cards by simply shopping for things I normally shop with the only difference being that I went through MyPoints' website.

Now, here is the part you may or may not like. MyPoints sends you several e-mails a day for you to click through. You get 5 points for clicking on each product or store offer e-mail. These 5 points add up quick. A tip on how to keep these pesky, but useful e-mails out of your inbox is to mark them as junk or spam. Check your junk or spam box each day or each week, go through and click on the MyPoint ads and you will accumulate a lot of points in a short time. Also, there are online surveys you can take, too, which will earn more points for you. Sometimes you will see one of your favorite stores or products is having a sale, so you benefit from the sale and the points you earn. In the beginning, I used to look at the site through MyPoints then go to the site to see which had the better deal. Shopping through MyPoints has always won out over going straight to the online or in-store retailer.

You can also get points for referring people to MyPoints. You can just join or if anyone would like an invitation, just e-mail me and I will send you a recommendation/invite. MyPoints makes me feel like I am getting paid to do what I already do, which is shop online.

You can also get some great grocery store coupons through e-mail. Each time you get these, you click on the ones you want and print them. When you use them, MyPoints is connected to stores’ computer systems, and you receive points for using the coupons. I have printed all the coupons and take the ones I didn’t use and place them in the break room or have given them to people I know will benefit from them, such as diaper and formula coupons for those with babies.

The points add up and so do your rewards.

Resale Shops

Oh the treasures one can find in resale shops. They are becoming more and more popular. There are specialty resale shops ranging from babies to teens to adults. When you have kids who want name brand clothing but you find that the brands are too expensive to buy, resale shops can be life savers. Going to resale shops not only saves you money, but it also allows you and your kids to wear what you want, or you can buy that home décor item that seemed to have an astronomical price in the retail store or online.

You do have to be cautious. Look at the clothing articles with a skeptical eye. Oh the whole, most of the good resale shops only accept items that are of the best quality. You can even take your clothes in to be placed on consignment, meaning you will either get paid when they sell or get a store voucher to come in to shop. The good shops will not accept anything from a discount store – usually only name brand – but they sell them at a discount price.

Ladies you and your daughters can find Coach purses and shoes for 1/10th the price you would find in stores or even their outlet stores. Gentlemen, you can go to a used lawn care shop and find mowers and tools for a lot less too.

Teach your kids to shop at resale stores, too. My kids love going to resale shop because they know they can get the name brands without the high price. They learn how to save money and spend it wisely. It is funny when your kids have a chance to spend your money, the sky’s the limit, but when it is their own money, they learn that frugal and good quality are best.

Salvation Army Stores and Garage/Yard Sales

If you are surprised by the treasures you can find at resale shops, you will be absolutely amazed at the great finds you will come across at the Salvation Army or garage/yard sales. It is true that one man’s junk is another man’s treasure. The main difference is that you are going to have to dig for those great finds, so it will be more time consuming. Again, teaching your kids that it is alright to shop at the Salvation Army or to look in on garage/yard sales will save them money on the things they really can’t afford at full price but really want. These are great places to shop for first time apartments.

Another great use for the Salvation Army is when your kids have a program or need something to wear for a theme day at school. For instance, those expensive hand-knitted sweaters that many of the ladies bought in the 90’s can be found for $2 at the Salvation Army. Many schools and businesses even have an ugly Christmas sweater day.

Also, clean your closets and house out and donate to the Salvation Army, which is an excellent cause. They will give you a tax receipt for what you donate, and they take almost anything. Be considerate and throw away things that have a lingering odor or that have stains. I look at it and ask myself, “Would I wear this or want my kid to wear this?” If the answer is no, then pitch it.

Adjust Your Thermostat

One way to save money for your family is by adjusting the thermostat in your house. In the winter, put the thermostat as low as you can stand it so your furnace does not run constantly. Wear warm, comfortable clothing around the house, like sweaters or sweats, or you could even invest in a Snuggie. At night put your thermostat even lower and add a blanket. Many people sleep better when it is cooler.

In the summer, try to wait as long as you can before turning on your air conditioner. Once you do turn it on, remember that it is going to have to work harder to get humidity out of the house. Try to keep the thermostat up as far as you can so your air conditioner does not run too much.

When you go on vacation, don’t forget to adjust your thermostat accordingly. Be sure to make sure it is warm enough in the winter so you do not come home to burst pipes. If you live in an older home, open your cabinet doors up under sinks so the warmer air will reach the pipes.

Simply keeping your thermostat set either lower for winter, higher for summer, and accordingly when you are on vacation will help your electric or gas bill significantly.

Credit Cards

The last piece of advice would be to avoid credit cards is possible. Most of us need a credit card to establish credit. Using the credit card wisely will raise your credit score. Choose a card that pays your 1 – 2% cash back on grocery, gas, and/or dining out. Use the credit card exclusively for the items that are in the credit rewards agreement, keep to your family budget, and pay the credit card off each month. If you can help it, do not allow a balance. If you use department store credit cards because of the savings you can earn, buy the items on the card then pay the card off with a check or debit card before you leave the counter.

Good luck, and may your use of these tips help you save money and be more prosperous in the future.

How do you save money for your family?

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© 2012 Susan Holland

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Comments 64 comments

mljdgulley354 profile image

mljdgulley354 5 years ago

This is a good money saving hub with great tips. Most of them I already use. Thank you for sharing this information.

Poohgranma profile image

Poohgranma 5 years ago from On the edge

A very insightful hub with great tips!

sholland10 profile image

sholland10 5 years ago from Southwest Missouri Author

@Hi Mljd, thanks for stopping by and checking it out. With kids we have to figure out ways to save some money while teaching them too. :-)

@Hey Poohgranma! Thank you, and I am glad you dropped by! :-)

billybuc profile image

billybuc 5 years ago from Olympia, WA

I'm trying to imagine life without a budget...hope, can't do it. All good tips and although I already do them it never hurts to remind someone as old as I am...our memories fade you know...well, you wouldn't know but when you reach my age you will understand...great hub!

sholland10 profile image

sholland10 5 years ago from Southwest Missouri Author

Thanks, Bill! I remember all too well having to pinch every penny - which was way before the Internet. LOL The practical day to day ways to save money and teach our kids how to save are known, but the Internet really does provide some different ways to save.

Thanks for dropping by! :-)

AudreyHowitt profile image

AudreyHowitt 5 years ago from California

What a great hub--very practical!! I still use the envelope system--for me there is something about ear-marking funds that I really like---

sholland10 profile image

sholland10 5 years ago from Southwest Missouri Author

Thanks, Audrey! I like knowing where my funds are going, too... Always have... I remember doing budgets in junior high from my $25 a week babysitting job. :-) I am a tightwad. LOL

Thanks for dropping by!

alocsin profile image

alocsin 5 years ago from Orange County, CA

I'd shop the Salvation Army and garage sales even if not on a budget. You never know what treasures you'll find. Voting this Up and Useful.

Shelly McRae profile image

Shelly McRae 5 years ago from Phoenix, Arizona

Very thorough and informative hub. Thanks for sharing your ideas.

Simone Smith profile image

Simone Smith 5 years ago from San Francisco

Excellent advice! I do most of these things, but really should get into using coupons. I see they can make a big difference!

sholland10 profile image

sholland10 5 years ago from Southwest Missouri Author

I know what you mean, Alocsin! It is fun to go look at what others are getting rid of!! :-)

Thanks for commenting and voting!

sholland10 profile image

sholland10 5 years ago from Southwest Missouri Author

Thank you, Shelly! I hope there is something new in it for some people. Most of try to do these things already, but sometimes we fall off the financial wagon. :-)

Thanks for dropping by!

sholland10 profile image

sholland10 5 years ago from Southwest Missouri Author

Thank You, Simone, when my kids were little, I used to really clip the coupons (before the internet - lol). Now, I will clip one that jumps out at me, but I am not as good about going through all of them. I do love MyPoints for shopping and the easy coupon viewing, and especially for the great rewards I earn.

Thanks for for dropping by! :-)

Cagsil profile image

Cagsil 5 years ago from USA or America

Hey Sholland, very good advice. You demonstrate that you are a frugal person and pass it forward. I'm sure that many people will benefit from your advice here. There will be many who will probably dismiss your hub also, but then again ignorance is bliss, as they say. LOL! :) Voted up!

RealHousewife profile image

RealHousewife 5 years ago from St. Louis, MO

So funny - I had notes written down for the Witi and you have several of them here! We must really think alike! I had Credit Cards are BAD! Lol lol. I won't have time to participate now but I'm so glad you did and great points!

I was going to say cut the cable and cell phone - if you are trying to be frugal you can live without those things! When Dave and I started our business - I cut everything. I had no idea how much money we would make so I decided we could live without luxury items until I was in the black. We did too. If you have to use a cc to live - you're living beyond your means! Dave and I watched the newlywed game for fun! Haha we used to laugh about what we were reduced to watching on free t.v. But if you ad those bills up for a year?? Omg!

I just got my total for one kid for the year for school lunch - we are up to 350 dollars for this year! Lol. I sat down and wrote a plan like you suggest - and I cut anything out that we did not need and I got totally out of debt and now I rarely use a cc and only for convenience matters:) yay!

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Giselle Maine 5 years ago

Hi sholland10, thanks so much for these great tips! I already clip coupons and keep them on the fridge... that way I can just grab the ones I need on my way out. Some of your money saving ideas were new to me like Mypoints, others I already do like buying store brands. Thanks for another superb hub!

Esmeowl12 profile image

Esmeowl12 5 years ago from Sevierville, TN

I appreciate all these tips. Whatever we can do to save a little money here and there really adds up.

Victoria Lynn profile image

Victoria Lynn 5 years ago from Arkansas, USA

Hey, Susan--you wrote a money-saving hub, too! It's great. I need to do the coin thing, as My coins keep falling into the bottom of my purse, and I pull them out and put them back in my wallet until they spill out again. haha. I should do as you suggest and let them add up! I do MyPoints, too! I don't purchase much, but the quick 5 pointers add up and before you know it, I can get a Lowe's card or something else. Good point, too, about shopping at thrift stores or yard sales. It teaches kids that it's okay--perhaps even cool--to shop at such places. I'm actually proud of it, as I find shopping retail wasteful. I really like a lot of Dave (is there a Bill, too?) Ramsey's advice, too. This hub is packed with lots of good stuff. Voted up, others, and shared!

teaches12345 profile image

teaches12345 5 years ago

Great hub article and well worth the reading. I love shopping at consignment shops and usually come away with good bargains. You have written a very useful hub and one that will benefit many. Voted up!

The Finance Hub profile image

The Finance Hub 5 years ago from Portland, Oregon

Great tips, I'm sure this will come in hand for lots of people! Voted up and useful, hope you enjoy my hubs as well!

biancaalice profile image

biancaalice 5 years ago from Southern California

This was an awesome read! I love couponing, I save so much money and love rolling over Extra Care Bucks and Register Rewards from CVS and Walgreens! I always get free stuff and stock up a little bit. Since having my 10 month old son, we had to go on a budget! Great advice in all.

Voted up, shared, interesting & useful!

Millionaire Tips profile image

Millionaire Tips 5 years ago from USA

These are all great money saving tips sholland. I really like the quote you added at the top too - most people really do know how to save money, it is just doing that is important, especially when they think of it as "sacrifice."

natori1 profile image

natori1 5 years ago from Michigan

Very Good Advice!! 95% I already use. My kids have adopted some of my frugal ways :). However, I do need to have my son cut out more coupons for the things he wants to buy. My daughter and I count the change to put them in rolls. We then take and I have her to complete the form and walk up to the teller to deposit the money into her account. She thinks she is a grown woman when she does this :)


sholland10 profile image

sholland10 5 years ago from Southwest Missouri Author

Hey Ray! I think, in this case, ignorance could lead to the poorhouse... YIKES!!

Thanks for dropping by! :-)

sholland10 profile image

sholland10 5 years ago from Southwest Missouri Author

Kelly, you should write the hub anyway. Write about your experience as a mom starting a new business and what you did for your kids. Simone has several other related topics you could write about. Start a hub and let it cook for a while. I have had to do that because of not having much time, and I had to steal time for writing.

I know what you mean about the credit cards. We don't use them unless we can pay them off the same month or even the same day.

Thanks for dropping by!! :-)

sholland10 profile image

sholland10 5 years ago from Southwest Missouri Author

Hi Giselle!! So good to see you! I have tried putting my coupons on the frig... it doesn't work for me. I find them long after the expiration date. LOL I do love the Entertainment Book, though, because it has restaurant, clothing, travel, and our favorite, go cart coupons. LOL The go cart coupons pay for the book just by using them.

Thanks so much for dropping by! :-)

sholland10 profile image

sholland10 5 years ago from Southwest Missouri Author

Thanks, Esmeow! You are right! Every little bit does help.

Thanks for dropping by! :-)

sholland10 profile image

sholland10 5 years ago from Southwest Missouri Author

Yes, Victoria, our moms didn't raise fools, did they? LOL We both learned first hand how to save money. I do love MyPoints. The 5 points does add up, but I love shopping on line rather than going to the stores... yep, that's right, I am a woman who doesn't love to go shopping. I hope I haven't alarmed anyone with this revelation. LOL Now, I do not mind going to the resale shops because there are quality items at a good price and no crowd. :-) Since my daughter has to spend her own money now, she loves the resale stores even more than when she went with me. Thanks for the votes and shares.

Thanks for dropping by... and if y'all haven't read Victoria's "21 Frugal Living Tips for the Frugal Mom," you need to go check it out!! :-)

Victoria Lynn profile image

Victoria Lynn 5 years ago from Arkansas, USA

I don't like shopping, either, Susan! Go figure....haha. I should add your link to my hub! Our moms did a good job with us! haha

sholland10 profile image

sholland10 5 years ago from Southwest Missouri Author

Teach, I truly hope it is helpful. Seems like so many are having a hard time right now.

Thanks for dropping by and the vote! :-)

sholland10 profile image

sholland10 5 years ago from Southwest Missouri Author

Thanks, Bianca! Oh, a 10 month old son... I remember the days. Just buying diapers was a major monthly expense. Yes, take advantage of any coupon and savings opportunity you come across! Give that baby a big hug!

Thanks for dropping by and the votes and shares!

sholland10 profile image

sholland10 5 years ago from Southwest Missouri Author

Hey MT! I think some of our country's problems must fall on our own shoulders too. We know how to say no, and we know our limits. Having credit can be dangerous if you don't live within your means... Mind you, I am not letting any of the bad guys in the news off the hook, either... I'm just saying personal responsibility goes a long way.

Thanks for dropping by! :-)

sholland10 profile image

sholland10 5 years ago from Southwest Missouri Author

Natori! What wonderful skills and habits you are instilling in your children! Keep up the great parenting. They are our future. I am so glad you shared that info! :-)

Thanks for dropping by!

sholland10 profile image

sholland10 5 years ago from Southwest Missouri Author

Victoria, we really do have a lot in common! Isn't it GREAT!! :-) I am going to go grab your link now.

fpherj48 profile image

fpherj48 5 years ago from Beautiful Upstate New York

Susan....Love hubs about "saving money!" Sure, I do them all, but it's great to be reminded. Discounts, bargains, rebates, coupons, price comparison.....bring it on. We should never stop "pinching pennies." So glad we all agree!

sholland10 profile image

sholland10 5 years ago from Southwest Missouri Author

Thanks, Fpherj! I am glad you liked it. You are right, we should always "pinch pennies" and try to have something to fall back on. That is hard when you are young and just getting started, though. It is a building process...

Thanks for dropping by! :-)

Eiddwen profile image

Eiddwen 5 years ago from Wales

A great hub which will beneft so many readers.

Take care and have a great day.


sholland10 profile image

sholland10 5 years ago from Southwest Missouri Author

Thanks, Eddy! I hope it is a benefit for some who are struggling. You have a great day, too! :-)

Thanks for dropping by!

debbie roberts profile image

debbie roberts 5 years ago from Greece

You've included some excellent tips in your hub that it would be wise to follow. We always make a point of saving our small change and it's surprising how it mounts up through the year.

An excellent hub and socially shared.

sholland10 profile image

sholland10 5 years ago from Southwest Missouri Author

Thanks, Debbie! I love it when we see how much we have saved during the year with just our change! :-)

I appreciate you dropping by and sharing!

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Sueswan 5 years ago

Hi Sholland

You have provided us with invaluable tips on saving money.

I really like the idea of the envelope system.

Voted up and away!

Take Care

sholland10 profile image

sholland10 5 years ago from Southwest Missouri Author

Thank you, Sue! I hope it is helpful and more people can save money for their families.

Thanks for dropping by and the votes! :-)

tsmog profile image

tsmog 5 years ago from Escondido, CA

Hello Sholland. Awesome and shared with fam & friends. These are not only frugal, but very wise. I'm just now learning how to coupon-clip to save. I will be looking into I like shopping at 2nd hand stores for clothes. There are some awesome deals. Thanks for the ideas and have a good day , , ,

revortay1 profile image

revortay1 5 years ago from PA

Great Ideas! Voted up and shared ;]

sholland10 profile image

sholland10 5 years ago from Southwest Missouri Author

Thanks, TSMOG! You will love the MYPOINTS! You will have great deals sent to you and have great coupons to clip. I know, resale stores are GREAT!

Thanks for dropping by!!

sholland10 profile image

sholland10 5 years ago from Southwest Missouri Author

Thank you, Revortay! I appreciates the votes and share! Thanks for dropping by!! :-)

Trsmd profile image

Trsmd 5 years ago from India

Sholland- even though you have given good tips for spending wisely to save from the spending, my logic is that, for spending for the requirement, stretch a little to earn more income, partIclarly online like Adsense, Hubpages etc. Thanks for sharing:)

sholland10 profile image

sholland10 5 years ago from Southwest Missouri Author

Thanks, Trsmd! I appreciate your comments and dropping by! :-)

winbo profile image

winbo 5 years ago

awesome article for me.. Vote and shared

sholland10 profile image

sholland10 5 years ago from Southwest Missouri Author

Thanks, Winbo! I am glad you liked the hub. I appreciate the votes and shares. :-)

radhikasree profile image

radhikasree 5 years ago from Mumbai,India

Great informative hub for those who're on a budget. How to stop my child from flooding the basket with his likes is what is still puzzling me. Up and useful.

sholland10 profile image

sholland10 4 years ago from Southwest Missouri Author

Thanks, Radhiasree! My kids are older and worse than they were when they were little. They love to watch my reaction - Stinkers! LOL

Thanks for dropping by and voting. Good luck at the grocery store!! :-)

Lord De Cross profile image

Lord De Cross 4 years ago

So helpful and needed! These ideas and tips will be so welcome everywhere, when stretching a dollar can be harder than winning the lotto. Thanks Sholland!


sholland10 profile image

sholland10 4 years ago from Southwest Missouri Author

Thanks, Lord de Cross! These things have certainly helped me with raising my family.

I appreciate you dropping by! :-)

Just Ask Susan profile image

Just Ask Susan 4 years ago from Ontario, Canada

All your money saving tips are spot on! The only one I don't do is to throw the change in the bottom of my purse. Here we have one and two dollar coins (which I hate)and they get quite heavy when you get enough of them. I do have a can though that I throw all my change into and when it gets full it goes to the bank.

sholland10 profile image

sholland10 4 years ago from Southwest Missouri Author

I know, that change does get heavy. When my shoulder hurts, I know it is time to clean out the bottom of my purse. LOL

barbergirl28 profile image

barbergirl28 4 years ago from Hemet, Ca

This is some great sound advice. I have started clipping coupons and actively using them. However, while I can figure out how to do it and really save at stores like CVS and Walgreens and such, I can't really find the savings at the grocery store. Even with the coupon, sometimes the generic is much cheaper anyway. I am also big on saving change. When I worked in a barbershop, haircuts off the card charged an additional 50 cents. That meant, the guys would always round up. Not only would I get a few bills, but I would get quarters too... this added up quickly into our change bucket.

Great hub!!! Sharing and all that jazz!

sholland10 profile image

sholland10 4 years ago from Southwest Missouri Author

Thanks, BarberGirl! You really do have to compare the savings with a coupon for a brand name to the generic. I often opt for the generic too.

Thanks for dropping by, sharing, and especially for all that jazz! :-)

T4an profile image

T4an 4 years ago from Toronto, Ontario

Great advice. I am always looking for ways to save money. It is never to late to change bad habits. I just wrote a hub for teens to help them not make the same financial mistakes I did. Voted up!

sholland10 profile image

sholland10 4 years ago from Southwest Missouri Author

Thank you, T4an! Sounds like you wrote a very important hub. :-)

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ElleBee 3 years ago

Great tips and I love the Dave ramsey quote. So true! I'm good on the head knowledge part... still working on the behavior part.

sholland10 profile image

sholland10 3 years ago from Southwest Missouri Author

Thanks, ElleBee! :-)

danscorner profile image

danscorner 20 months ago from Australia

Hey Susan, great hub, Moms know best haha.

Regards, Dan

sholland10 profile image

sholland10 19 months ago from Southwest Missouri Author

Thanks, Dan! I appreciate you dropping by! :-)

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