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Making Baby Food to Save Money: What You Need + Recipe + Tips

Making Baby Food to Save Money: What You Need + Recipe + Tips

How making baby food saved us hundreds of dollars, and how you can do it too! It’s EASY, promise. I’ll even give you a recipe and a basic method that you can apply to make your own baby food and save money.

VRBO Giveaway: Private Ski Resort Trip for 20

VRBO Giveaway: Private Ski Resort Trip for 20

  is doing a sweepstakes called the “Win the Mountain” sweepstakes. Win a private ski mountain getaway for 20 people! You get the entire Eagle Point Ski Resort in Beaver, Utah for one day: February 19th, 2019. Not only that, you will will a slopeside […]

I Maxed Out My Credit Card on Accident – Why It’s Important to Check Online Banking

I Maxed Out My Credit Card on Accident – Why It’s Important to Check Online Banking

When I was 16, I accidentally maxed out a credit card. You probably don’t think this is anything surprising, but it shocked me at the time. Why? Two key reasons. I had never spent more than I made I had set up my credit card […]

Dealing with Grief During Transitional Seasons

Dealing with Grief During Transitional Seasons

Today is my dad’s birthday. Or more accurately, today was my dad’s birthday. Growing up, one of the biggest reasons I loved this day was because it meant my birthday was only three days away. Yes, I’m aware how terribly selfish that sounds, but I’m just being […]

7 Ways to Save Money on Food While Traveling

7 Ways to Save Money on Food While Traveling

Now in full disclosure, I don’t always eat in while traveling. In fact, food is a huge part of culture! But food can be a key area to cut costs while traveling. 1: Bring Cheap Non-Perishable Food With You I like to bring along Clif bars […]

7 Ways to Save Money This Fall

7 Ways to Save Money This Fall

Finally, the weather is cooling down a bit, the leaves are changing, and it’s time to break out flannels and chai tea. But the good news about the new season is that it offers some new ways to save money. So here are ways to […]

The Overwhelm of Having to Completely Change My Diet (Again.)

The Overwhelm of Having to Completely Change My Diet (Again.)

I’ve been going through a bit of an identity crisis with this website throughout the summer because I’ve had some ongoing health issues. From ongoing GI issues to vertigo to the ER to surgery. And I didn’t really tell anyone outside of family because it […]

The CHEAPEST Way to Start a Blog and Make Money

The CHEAPEST Way to Start a Blog and Make Money

A few days ago I announced on my Instagram that I had begun paid freelance writing, and that I kind of fell into this because of blogging. Since then, I’ve had several friends (in person and online) ask me, “How did you make your website?” […]

The Only REALLY Good Values in The Nordstrom Anniversary Sale. Budget Friendly!

The Only REALLY Good Values in The Nordstrom Anniversary Sale. Budget Friendly!

Every year Nordstrom has a massive sale called the “Nordstrom Anniversary Sale?,” where, you guessed it, things go on sale! Historically, what makes this sale so exciting is that it isn’t the OLD stuff that goes on sale, but it’s the NEW stuff that goes […]

Fitness Wins & Fails 7/8/18

Happy Sunday! I began by writing out my Money Wins & Fails, then decided to do a roundup of my fitness wins and fails! I like this whole idea because it keeps me honest. It also gives a lot of insight into my personality. Little […]


Hi There!

Hi There!

I’m so glad you found me on this corner of the internet.

Here’s what you can expect from Budgets & Kale

  • practical ways to lower your budget (and not only skipping Starbucks!)
  • tips for healthy eating on a budget
  • Low-Acid recipes great for chronic gerd and GI issues
  • Personal Finance tips
  • “Budget Lifestyle” things.

Here are a few notable things about me.

  • I was born and raised in Anchorage, Alaska
  • My degree is in Materials Science & Engineering, but currently I am a freelance writer (more below on why)
  • I’m 24 years old.
  • My husband and I have two children. Our daughter was a surprise while we were in college, and it’s the best thing that has ever happened to us.
  • In August 2018 I was diagnosed with Barrett’s Esophagus and chronic gerd. I’m currently in the process of changing my diet around from Paleo to Low-Acid. It’s not easy.
  • Shopping secondhand is my favorite thing ever. It’s environmentally friendly and saves so so so much money.
  • I received a scholarship to #FinCon18 and am SO excited to meet other creators!

I began this blog in March 2017, only four months after my dad has unexpectedly passed away. At that point we were in the middle of paying off our six figures in student loans. This blog was begun partially as a tribute to him. My dad had blogged since the 90s, and I honestly don’t remember a time when my dad didn’t have his laptop in front of him.

We paid off 56K in 14 months, then got the shock of our lifetime. You can read about that in the post, We Are Debt Free, but I Wish We Weren’t.

Then we got another shock in March 2018. Our daughter’s daycare closed (what we thought was a wonderful, well-programmed, very expensive daycare turned out to have some underlying issues) exactly TWO WEEKS before our son was born. Since daycares have an approximate wait list of 8 months in our area, and because my job had been terrible for over a year, I quit. Nowadays, I’m a freelance writer within the personal finance community and blogger. I do this part time and it supplements enough of my former salary to work with our budget. Things feel tight again, but that’s the season of life we are in and that’s okay. So these budgeting tips and ways to save are what we actually do! I hope you find it all helpful.

Cheers,

Rachel