Money Master: The Busy Budgeter
We’re excited to feature The Busy Budgeter, Rosemarie Groner, as our latest Money Master. The Busy Budget is a great blog on which Roemarie shares simple and practical money saving and budgeting tips, as well as her entrepreneurial skills as a blogger.
See what Rosemarie, The Busy Budgeter, has to say.
Who is The Busy Budgeter?
I spent 9 years as a police officer and decided that I wanted to stay home shortly after our first child was born. We weren’t in a financial position to do that and I felt completely hopeless. I was determined to find a way. We reduced our spending by $23,000 in one year and found ways to make up my income at home. I started a home day care, and worked on growing a blog I used as a hobby into a business. I ended up being able to make $3,000/month, then the blog eventually out grew the home day care and I switched to full time blogging. Last month I made over $4,000 on the blog.
During that journey, I realized how little money we actually need to live. I was terrified to quit my well-paying stable job, but I’m so glad I did! All of the things that we thought were essential, weren’t as important as my goal of staying home. When we put things into that perspective, reducing our spending was so easy!
We saved in every category of our spending, from refinancing to a historical low interest rate to switching from paper towels to reusable cloth towels. We introduced substitutions one at a time in baby steps. If after a month, we didn’t think the change was worth the savings, we switched back to what we did before.
We’ve been on this frugal living journey for 5 years now and I learn something new every month. There’s always a substitution to try out, or a new service that launches with another way to reduce our spending.
What’s your point of view, as The Busy Budgeter?
I concentrate on teaching my readers how to reduce their spending, set up a budget and live a more balanced life with less money. What they do with the money they save is up to them. I would love if everyone chose to be debt free and money smart, but I’ll be happy if they stop spending money on things they don’t care about to concentrate their spending on things that they do care about.
I often see someone say they can’t afford something they really want or something that would benefit their family, and then waste thousands of dollars in things they don’t even like. It’s such a liberating feeling when you start making money choices that reflect your goals.
I realize that not everyone wants to stay home with their kids, but there are so many ways to make that possible, that I really want to encourage moms to try. If the day care hadn’t worked out, I would have been a virtual assistant, or had a newspaper delivery in the morning, or started an Ebay business reselling jeans. There are so many ways to make a living, and getting out of the mindset that you need to have a traditional 9-5 job is the essential first step to everything.
In one sentence, what’s one piece of sage advice from The Busy Budgeter?
When you determine what you want more than anything, deciding how to spend your money wisely becomes easy.
The Busy Budgeter is a great site on which she shares insightful, useful and fun information. Visit Rosemarie’s site regularly and don’t forget to get a copy of her great book, The Ultimate Money Saving Workbook: 200 Ways to Decrease Your Spending, Increase Your Savings and Achieve Your Dreams.
What is a Money Master?
We’d love to believe that we’re your be-all, end-all for all things personal finance; alas, we don’t have bodies like Zach Efron or Channing Tatum, either. We’re realists. We know there are other rock star personal finance and money experts. We even think some are a cut above the others, or they have a unique voice that we think you’ll like.
Do You Want to Be a Money Master?
To become a Money Master, link to our contact page below and provide us with your contact information and a brief description of your unique, money story.