I am NO Expert, just someone that has started with nothing and had to teach myself how to save and spend.

Let me start by stating that I am no expert in the field of saving and/or spending. I am someone that grew up with nothing, never being able to buy what I wanted, always had to save for things but never knowing how to save.

As I became an adult, I struggled, failed, struggled, and succeeded. I have had to teach myself how to spend money and how to save money. I am not always successful at either, but I have learned a few tricks and tips along my way.

Most of the time if I’m not successful in saving or how I spend it’s because I didn’t take the time to research or bought on impulse. We all do it and it’s okay to have set backs, just don’t let them define you and try and learn from them.

My goal is to pass along some of my knowledge that I have learned and picked up along the way and maybe help that next person.

I will sometimes share links and sometimes with those links I do earn either a commission or a referral fee. There is no obligation to try these items. These are items that I use and have helped me. If you use something similar, then keep using it and maybe share it with me. I am always looking for new tips.