Free Family Budget & Savings Advice, Useful Templates, & Helpful Money Saving Tips!

This post brought to you by Kmart Share the Word. All opinions are 100% mine.

I can think back and vividly remember a time when our finances were out of control. We were running ourselves into the ground and desperately needed to start managing our money better. We had a good income and our bills weren't out of control but our spending was. We were wasting money away on things we didn't NEED and ending up in a situation that left us with nothing leftover at the end of the month. I remember the sinking feeling when I realized that we needed a major financial makeover. We needed to change our whole outlook on how we spent our money.

Since then I'm happy to say that we have our spending in check and we are no longer in a place where we are digging a hole for ourselves financially. We follow a budget and we've done well at sticking to it. It's so imperative to take control of your finances and not let them get so far out of control that you can't get back to a financially sound situation. That's why I'm excited to bring you some useful, FREE tools to help get your finances in check. Do this now. Don't put it off any longer!

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Kmart has teamed up with the author of Girl, Get Your Money Straight!, Glinda Bridgforth to bring you family budgeting and savings advice, useful templates and money savings tips! The Share the Word Financial Empowerment platform was created to honor the African-American legacy and provide valuable resources to enhance the lives of Kmart customers. The first step to becoming a Kmart Smart and financially savvy shopper is downloading this FREE guide full of tips to get you started on the road to getting your finances in order: In addition, she’ll help you make your money go further with Kmart programs such as Layaway and Shop Your Way Rewards benefits.

What are your favorite money saving tips? What tips helped you get your finances in order?

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  1. joanna garcia says:
    Wow that was so nice of Glinda Bridgforth and Kmart to do this! I love the idea of eliminating the debt and start with the credit card with the lowest balance with the highest interest rate first. A lot of great info and templates! I always by clearance and use coupons and websites to get the better deals!
  2. vickie couturier says:
    good points. my family an friends used to make fun of me for taking my lunch to work an being frugal with my money,,but I didn't care,,I worked too hard for my money to blow it on stuff ,,so now im retired an don't have any major bills hanging over my head,,everythings paid for,,just have the taxes an daily expenses that you need in life,,while I see ppl my age (58) still paying mortgages an car payments,an im not,,it makes all the kidding an jokes I got so worth it,,whos laughing now,lol
  3. The best tip I ever taught myself was carry some cash. I had a horrible habit of using my debit card for every single purchase - even the small ones. They really add up and you don't realize it. Now, I carry $20 in my purse when I go out so I can SEE how much I've spent.
  4. I LOVE that they are doing this! What a great resource!
  5. I too have gone from chaos to comfortable in the finance department. For me I had to get really serious about WHY I wanted to save - and realize that having a nice fat bank account was actually MORE satisfying than finding a great sale LOL
  6. I wish I'd had helpful advice like this as I was going into adulthood. I may have eliminated all the debt years!
  7. Best money tips I learned the hard way... NO credit cards. If I cannot afford it, I don't need it, and if I really want it, I can save for it! Also, keeping track of what I am spending my money on helps me spend more wisely. And, SAVE as much as possible!
  8. My cousin is a Pro Kmart shopper. I'm going to quiz her and see if she knows all the tips in the download!
  9. These tips would have been awesome when I was first out on my own . . . especially when it comes to financing everything when I wasn't able to pay cash. Ugh. Now we're in a relatively financially stable place and I'm going to make sure my kids don't learn the hard way. These templates are great!
  10. Financial tips and tricks always great to learn. We have been focusing on our budget for sure!
  11. I could have really used this advice when I was in my late teens, early twenties. I finally got myself out of debt and now have a good head on my shoulders when it comes to money/finances, but boy, I made a lot of mistakes early on.
  12. Budget, budget, budget. I make a monthly budget and never spend more than allotted. I can borrow from other items but once it's gone, it's gone.
  13. We need to make a budget. We tend to spend what we make otherwise.
  14. I'm definitely going to check that out. My husband and I trying really hard to get our finances in order.
  15. The best tip I learned ever, and it came from my hubby. Is, don't use a credit card ever. If you must, keep it down to only "one card." Something we live by as a family.
  16. This is great! I definitely will check it out.
  17. Living within a budget does feel SO good. Knowing you are not depleting the bank and have extra to do special things is a great feeling. I found myself living out of budget for a year while I was a single mom and finishing college... it was not good... and I am paying for that now. But the good news is NOW everything is in check.

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