Problems and Projects

Budget Report – January Personal Finance

Welcome To Our January Personal Budget Report! It's time for our January Personal Budget Report. I haven't been here much lately. In fact, it's already mid February, and I'm just getting around to this report! We've been in survival mode for about two months now. So I hope you can forgive my absence! I'm hoping to build back up to a more consistent posting schedule.January was a crazy month. We all came down with the flu simultaneously. I actually caught it twice. Mr. P&P concussed himself opening the car door. Then there was the move... We are officially out of sick days. Keep…

3 Comments

February 15, 2020

Save Money

10 More Reusable Items That Save Money All Year Long

Happy New Year, everyone! I hope these first few days have been good to you. If you're anything like me, after the holidays, you've got a bunch of gift cards burning a hole in your pocket. Between those gift cards and New Year's Resolutions, I thought this would be the perfect time to share 10 more reusable items that save money long after you purchase them! If you didn't see my earlier post, be sure to check it out! That post has 15 great reusable items that save you money all year long. Whether you're hoping to minimize waste, get rid of…

1,562 Comments

January 5, 2020

Budget Report

Budget Report – December Personal Finance

Welcome To Our December Personal Budget Report! Happy New Year, friends! It's time for our December Personal Budget Report.This month, we spent a whole lot of money, but the majority of the overage spending came from that money we saved up over three months when we were saving up to get Mr. P&P living on last month's income. I keep mentioning that changes are coming. So, what's going on? Well, we've decided we've had it with The Pit. No matter how much money we dump into this house, the situation never improves, so with heavy hearts, we are cutting our losses…

1 Comment

January 1, 2020

Save Money

15 Last Minute Gift Ideas That Save Money All Year

The holiday season is right around the corner, and if you're like me, you're not ready! There's always so much to do and not enough time or money to go around. Then, there's the issue of cash. We turned to reusable items to help us save money. If you're not sure what you want from Santa this year, this list is full practical, reusable gift ideas that will help save you money long after the wrapping comes off. Add a few of these last minute gift ideas to your wish list and keep giving yourself the gift of savings. For those…

1,155 Comments

December 14, 2019

Budget Report

Budget Report – November Personal Finance

Welcome To Our November Personal Budget Report! It's time for our November Personal Budget Report. This month actually went pretty well even though we had Thanksgiving and some more unexpected setbacks.Big changes might be on the horizon for Problems and Projects! But I don't want to give too much away just yet.We actually finally reached our goal of saving up enough money to get Mr. P&P living on last month's income. However, this money will likely be used in other ways in December. As I said, big changes could be ahead!So, let's look at last month's earning, spending, and saving!Check…

51 Comments

November 30, 2019

Debt Reduction

How To Get Out Of Debt: A Step By Step Guide

I remember the first time I opened a credit card. I was 19 years old and had already been living on my own for over a year. It was a $300 limit with about 29% interest, which seems insane today! I didn't know way back then that learning how to get out of debt would become such a huge part of my life.Five or so years later, I would be drowning in around $13,000 worth of credit card debt, borrowing money to keep my car, and feeling like an absolute failure! Fortunately, by 2015, I would be making the payment…

136 Comments

November 29, 2019

Home Improvement

7 Vital Foundation Repair Tips You Must Know

Foundation repair is no small thing. In Texas, it's unfortunately very common. It's usually also very pricey. Imagine paying for major surgery ... on your house! Luckily, you can learn from my experiences with these 7 vital foundation repair tips you need to know before you start a repair job. This past summer, we broke down and decided to pay to have our faulty foundation repaired. There are a lot of things we didn't know. We would have made some different budgetary choices if we had known then what we know now. Problems and Projects is a participant in the…

31 Comments

November 10, 2019

Budget Report / Budgeting

Budget Report – October Personal Finance

Welcome To Our October Personal Budget Report! It's time for our October Personal Budget Report. This month has been a doozy.We did not save up enough money this month to get Mr. P&P a month ahead. But it wasn't for lack of trying! We are having one of those "if it can go wrong, it will" sort of months! So, let's assess the damage!Check out these links to see previous Budget Reports!August 2019 Budget ReportSeptember 2019 Budget ReportProblems and Projects is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites…

3 Comments

November 1, 2019

Debt Reduction

Make A Debt Reduction Plan With This Free Resource

When you'r first trying to create a debt reduction plan, it can be really difficult and confusing to know what to do! Should you use the debt snowball or the debt avalanche? Do you even know what those terms mean? Which account should you focus on first, or should you just pay them all in equal amounts? Will an extra $50 a month REALLY make that big a difference? Today, I want to share a totally free resource with you that I love to use when I'm trying to establish a debt reduction plan. It's going to help you answer…

1,484 Comments

October 27, 2019

Budgeting

How To Live On Last Month’s Income

As I've been working toward my financial goals over time, I've borrowed a variety of strategies to build a system that works for me. Today, I want to discuss my absolute favorite financial strategy. I live on last month's income. Managing money in this way has made life so much simpler, and it's been a life saver more than once! I truly believe it can do the same for anybody!So, let's learn a little more about this incredible strategy. Problems and Projects is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for…

474 Comments

October 19, 2019