Author Archives: Toni Marie

5 Frugal yet Meaningful Ways to Give Gifts this Holiday Season

In between traveling, back to back parties and shopping for gifts, the holiday season can get pretty overwhelming.  Sadly, gift-giving can sometimes become time-consuming, financially stressful and can easily turn into an obligation, rather than being a heartfelt gesture. Don’t let society pressure you into spending tons of money on lavish gifts because gift-giving doesn’t mean luxurious and expensive.  It’s all about showing appreciation to the people who’ve touched your life. At Read more […]

How to Get the Most Out of your Black Friday Shopping

The BIGGEST shopping day is upon us and with tons of deals, special sale hours and door busters, it can get pretty overwhelming.  Yes, even for the seasoned shoppers. If you really want to make the most out of your shopping experience, you need to have a goal and a plan. To help you plan for this much-awaited shopping day, follow these helpful strategies and increase your savings. Get notified. Get the first dibs on sales and special promotions by […]

How to Budget Using an Envelope System

I’m pretty sure you’re all aware that the key to financial freedom is having a budget system that works for you.  Okay, so every month, you diligently make your budget using different spreadsheets, tools or smartphone apps.  You’ve put in all your income, expenses, financial goals, etc.  Yet, by the 30th or 31st, you still end up spending more than what you’ve planned for at the beginning of that month. So what’s the problem?  The lack of accountability. For you […]

7 Ways to Help You Organize Your Financial Life Physically & Electronically