a couple of stellys

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April 17 by Janet Stelly

Practical No-Nonsense Ways to Live Below Your Means

Piggy bank and calculator to live below your means

Do you feel like you just can’t get ahead with your finances? You’re not alone. There’s a solution – live below your means. While it’s simple in theory, putting it in practice takes discipline. But it’s so worth it.

January 17 by Janet Stelly

How to Incorporate These Budget Categories

jars with financial personal goals to save for

Even with a budget, some expenses can wreck it without planning ahead for those. Sinking funds are the way to incorporate these budget categories. These are different than emergency funds which we save for those unpredictable expenses that surface.

November 7 by Janet Stelly

27 Simple Good Habits to Help Get Out of Debt

It’s not just one big thing that’s the secret ingredient to save money for your emergency fund, vacation, or to pay off debt. It’s a series of small steps that we take to get there. By incorporating these good habits, you’ll start seeing some results in whatever it is you’re trying to accomplish. This post […]

October 24 by Janet Stelly

15 Dave Ramsey Quotes About Debt You Need to Know

Dave Ramsey quotes are inspiring to get out of debt. Being debt-free is one of the most freeing feelings I’ve experienced. It allows you to make decisions without having to include the pile of debt in the equation. There’s still bills to pay, but it’s great when your finances reflect the decisions of today and […]

October 18 by Janet Stelly

Simple Analysis of the 50 30 20 Rule for Money

two people working with calculator and paper

What’s all the talk about the budget 50 30 20 rule for personal finance and paying off debt?  It gives you 3 main categories to break your expenses into Needs 50%, Wants 30%, and the Saving rule 20%. It’s a framework to build your budget.

August 8 by Janet Stelly

Best Criteria to Look for in a Cash Envelope Wallet

variety of women's wallets to hold cash

Even when you narrow down shopping for a wallet to a cash envelope wallet on Amazon, there are still quite a few to choose from. Know what features will help you the most stay within your budget.

August 1 by Janet Stelly

How to Use Personal Goals to Reach Debt Free Status

jars with financial personal goals to save for

Do you ever dream about buying a house, traveling, or living debt free? Perhaps you want to run a marathon or write a book. It does not happen without planning. Set up personal goals to be able to start working on them today.

April 19 by Janet Stelly

How to do a Successful No Spend Challenge

no spend challenge with printable

Wondering how you’ll find extra money to save for something, pay off debt, or maybe just to pay the basic bills? It’s already difficult to just pay the bills. You’ve tried cutting back as much as you can, but it’s not enough. Try a no-spend challenge in 2019. If you’re like me, I’ve heard of […]

March 12 by Janet Stelly

5 Best Money Saving Challenge Categories to Find Money

money saving challenge

What would you do with an extra $400 this month? Do you have debt that you’re trying to pay off or perhaps you’re saving for a car or vacation? Keep reading to see how to do this 4-week money saving challenge. There are money-saving tips to guide you through.

March 29 by Janet Stelly

9 Ways to Stop Wasting Money on Groceries

meal planning to save money

We discuss how to reduce spending, but what about the great things we bought that now we don’t want anymore? Are you wasting money on groceries? The last time you cleaned out your pantry, refrigerator, or freezer, did you throw unused things away? I know I’m guilty of this.

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About A Couple of Stellys

If you’re a mom who wants to reduce financial stress so you can focus on your family, you’re in the right place.

Welcome to  “A Couple of Stellys”.

This is my personal blog and the information is not intended to be financial advice or any other advice. These are my opinions. You should consult a professional before making any financial decisions.

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Piggy bank and calculator to live below your means

Practical No-Nonsense Ways to Live Below Your Means

Do you feel like you just can’t get ahead with your finances? You’re not alone. There’s a solution – live below your means. While it’s simple in theory, putting it in practice takes discipline. But it’s so worth it.

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