Our Favorite Ways to Stay Warm and Save Money in the Winter

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Stay Warm and Save Money

Making our budget balance is hard work. We moved from North Carolina back to California recently and that choice required some sacrifices. In order to make ends meet, we have to find ways to cut back on even the most basic of our expenses, including heating and cooling. It’s fair to say that even here in Northern California, we have it pretty easy during the winter. Nothing like the cold we experienced in North Carolina! Still, keeping the heat down is {Read More}

Know Your Health Care Options at Open Enrollment

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Open Enrollment... It's worth your time to read & know your health care policy and research your options.

Our Health Care Story In years past, employers provided a benefits package. In most cases, that included health insurance. Even 10-15 years ago, this was the common story. When I started my first full time job out of college, the church that I worked at offered an unusually generous 100% health care plan at an extremely affordable rate. My husband and I knew that good benefits were becoming rare. His health benefits were much more expensive for less coverage. So, I {Read More}

Chasing the New American Dream

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The new American dream... Will you join us in chasing it?

This post is part of the New American Dream Blog Tour which I am delighted to be a part of along with hundreds of inspiring bloggers. To learn more and join us, click here. A few years ago, Josh and I decided that being debt free was important to us. It seemed impossible back then. We had a house and student loan debt, but thankfully, we hadn’t gotten into consumer debt. At the same time didn’t have much savings and were barely {Read More}

Tight Budget Helper: Survey Sites

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Looking for help with a tight budget? Survey sites can help you bring in a little extra cash to cover little needs and extras. List of survey sites at thepelsers.com.

Our budget is tight. And by tight, I don’t mean the “cool” definition of “tight.” I mean, barely making ends meet kind of tight. Every time I turn around, these kids are eating. Know what I mean? And they’re only 7, 3.5, and 15 months. What’s life going to look like around here when these boys are teenagers? I’m always trying to find ways to make the money that comes last longer and find ways to bring in extra income. {Read More}

How We Will Save $4,000+ On Our Next Baby

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Save on next baby

Before we get started, let me put any rumors to rest… I’m not currently pregnant as far as I’m aware. But, babies are blessings and sometimes they come as surprises like our last two babies did. It always pays to be prepared. The point of this post is that if and/or when there is a Pelser Baby #4, we are going to save a TON of money on pre-natal care, labor, delivery, and postnatal care over what we had to pay {Read More}