About Melissa Kaiserman
Melissa is passionate about people living within their means and becoming--and remaining--debt-free. She is the owner of A Time for Everything, which includes both a shop where she sells handmade cash envelope system wallets and accessories, and a blog where she writes about frugal living, creating, and life in general. She's been blogging since 2007 and making pretty wallets since 2011.
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Cash Envelope System Wallet Giveaway
CASH ENVELOPE SYSTEM WALLET GIVEAWAY Do you use the cash envelope system of budgeting? Does your method leave a lot to be desired in terms of looks or organization? Maybe it’s time to throw away the paper envelopes or plastic organizers that crack and fall apart and budget in Read More
How Pinterest Can Help Your Budget
When you think of Pinterest, what comes to mind? DIY, crafts, recipes, decor, and inspiration are probably some of the first things that pop into your head. But did you know that Pinterest can be a great tool when it comes to budgeting? Browsing Pinterest doesn’t have to result Read More
Planning for a Debt-free Christmas
One thing that we know for certain: Christmas will be here in exactly 18 weeks. One thing that may not be clear: Who will be celebrating it free of gift-giving debt. It’s much more joyful and peaceful to move into and out of the holidays without having to worry Read More
Summer Activities Your Kids and Budget Will Love
Ah, summertime! The season for sleeping in, running through the sprinkler, licking popsicles, riding bikes around the neighborhood, roasting marshmallow for backyard s’mores… It makes me want to be a kid again. But there are days when kids (and/or parents!) need some variety and want to get away Read More
Periodically Reworking Your Budget
You’re following a written budget – fabulous! You are totally on the right track.* But one of the facts of life is that nobody’s financial situation is static. There are fluctuations in income, new expenses, expenses that end, and changes in monthly bill amounts. Plus, children are born, Read More
Kids and Money: Earning and Managing a Commission
In order to learn to manage money, kids need money to manage. (Yes, I know. I have a keen sense of the obvious.) And the way in which they receive and manage that money should fit as much as possible with grown-up reality since we’re not ultimately training Read More
Saving Your $1,000 Emergency Fund
via freedigitalphotos.net When you feel as though you’re living paycheck to paycheck, the thought of building up a $1,000 emergency fund can be daunting. But it’s so important, and with a little creativity it can be a fun and rewarding challenge! However, those dollars will not accumulate without a plan. Read More
Sticking to a Grocery Budget
Groceries tend to be a category in which many people overspend. Here are 10 tips for staying on track. via freedigitalphotos.net 1. Create a food budget! Obvious, yes, but it’s important to start here. While the average American family spends 9-12% of its monthly income on food, the amount will Read More
Holiday Shopping on a Budget: Apps
Between Thanksgiving and Christmas meals, entertaining, and purchasing gifts, not overspending in November and December can be a challenge! Here are five apps to help you plan better, stick to your budget, and save money along the way. (Note: I do not own a smart phone but have been Read More
Budgeting for Fluctuating Bills
via freedigitalphotos.net When you’re on a tight budget, paying fluctuating bills can be a little frustrating or even stressful. Your natural gas bill might be nice and low in the summer and then skyrocket in the winter. And vice versa for your water bill. You can help your Read More
