It’s a common misconception that there are no coupons for natural and organic foods, that if you want to eat healthy, you don’t “coupon”. That’s not true. You just have to look harder!

Most coupons for natural and organic foods aren’t available in your Sunday paper like most other grocery coupons, but that doesn’t mean they don’t exist. Save money while being healthy.

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Getting into debt is easy. Getting out of debt is the hard part. Aside from declaring bankruptcy or settling debt, which will both damage your credit, getting out of debt equires strict money management and sacrifices. If you can follow a strict budget, you can get out of debt and learn good money management skills that will help you avoid debt in the future and help you achieve your financial goals.

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Do the villa’s of Italy entice you – there are no places like them on Earth. The clatter of plates in the out doors Ristorantes, the beautiful sunsets and scenery. The Mediterranean, clear blue and clean… the smells of fresh foods and drink wafting in the air. Who wouldn’t want to just ‘get away’ for a romantic tour of Italy?

Perhaps your choice would be a quiet island in the Caribbean or the Bahamas. White sand beaches, clear warm, baby blue water that beckons a midnight swim. Island music and drinks while relaxing on the beach…

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My baby is due soon and I’m saving all I can. I never felt financially ready for a baby, but if I waited until I was, it would probably never happen!

Babies are no doubt expensive. And living on a tight budget is challenging with a newborn on the way.

Here are some of the average set up costs for having a baby, and this doesn’t even include diapers, baby wipes, formula, or childcare.

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In this economic climate, you need every dollar to work for you as hard as it can. Here are 10 tips to help you make your money work for you, to live richly – on a budget.

Tip #1 – Prioritize Your Spending

Before you do anything with your money, you should have a goal in mind, whether it is to retire comfortably or go on vacation to the Caribbean. Look at your monthly expenses and decide what is most important to you and what falls down on the list in terms of priority.

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I'm 6 weeks away from my due date and was ordered by my doctor to go on bed rest. I wasn't prepared for this since I was planning to get some stuff done.

Now I can't really do too much. =( I'm supposed to lie down most of the day except to use the bathroom, eat, and shower. Can't really do much lying in bed, except fall asleep.

I will try to enjoy sleeping as much as I can before the baby comes. She is getting big so I have a feeling she may arrive a few weeks before her due date.

I've gotten some guest posts for my blog which is awesome! If you're interested in writing for my blog, here is more info:

The weather is getting warmer, the days are growing longer, and I’m embarrassed to admit, I just removed the last trace of Christmas decorations from my tiny apartment. Spring is coming! I love change, and redecorating is one of the best parts of Spring cleaning (scratch that, the only good part of Spring cleaning!)

Redecorating just makes waiting out the winter thaw that much more bearable. Because I don’t have a huge budget for new furniture, I’ve come up with some ways to spruce up a room that are thrifty and fun.

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Increase Your Knowledge About Personal Finance Topics with Free Online Courses

Would you like to learn more about personal finance subjects for free? You can by taking free online courses. Some of these courses provide detailed information about a particular topic while others provide a basic overview of personal finance. Here are some of the quality free courses available online:

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Dear Fans and Readers of Living Richly on a Budget,

Thank you for following and supporting my blog! Currently, we have 192 Facebook fans and 92 Twitter followers. Traffic to the site has quadrupled since November, since I have been posting more. Yay!

As some of you know, I am pregnant with my first child. The baby is due next month. Today, I was put on bed rest. That means I’m supposed to be resting in bed all day, except when I have to eat, shower, etc. I may not be able to write as much for now. =(

I would like to keep this blog going but I need your help. If you would like to contribute to Living Richly on a Budget with a guest post or two, that would be awesome! If you know anyone who would like to guest post, that would be great too.

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With the economy the way it is, a flood of daily deal sites have popped up. Groupon and Living Social are two of the most popular daily deal sites.

Basically, when you join Groupon or Living Social and create an account, you get daily deals via email. These deals are discounted at least 50% off and you have a limited time to purchase the deal, which is like a gift certificate. You may redeem the gift certificate or voucher by printing it out or using your iPhone or Android.

The problem is you’re tempted every day to purchase something on the spur of the moment, due to the time limit on the deals. And it may not be something that was in your budget.

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Credit cards that offer rewards have powerful incentives to use them irresponsibly. Rewards can take the form of points, redeemable for certain goods or cash offered in return for purchases.

For example, major credit card companies like Chase offer anywhere from .5% to 2% return on cash purchases. A credit card user who made a $1,000 purchase would therefore receive $20 at 2%. Small amounts over time add up to large sums.

Here are 3 ways to maximize the cash from this program.

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Welcome to the March 7, 2011 edition of carnival of credit score and debt, a blog carnival that focuses on debt, credit scores, credit cards, and other credit related topics
Editor’s Picks:

Ken presents 4 Payment Options You Can Use If You Owe Taxes posted at Spruce Up Your Finances.

Sun presents How to Evaluate a Lending Club Loan posted at The Sun’s Financial Diary.

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Now that Apple has announced the iPad 2, the original iPad has be discounted $100, to the new price of $399.

Here’s what’s new in version 2 of the iPad, as spoofed by the Conan O’Brien show in this hilarious iPad 2 parody.

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Inevitably, every year, rising gas prices makes the news. While there’s nothing we can do about the price fluctuations, we can be more efficient with our gas by changing the way we drive.

Here are 12 tips on how to save money on gas.

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I am super excited to be hosting this week’s edition of Festival of Frugality. If you’re new to the Festival of Frugality, the purpose is to spotlight the excellent ideas that are floating around out there to help squeeze a few extra pennies, nickels, dimes, or quarters out of every dollar.

The definition of frugality: economical in use or expenditure; prudently saving or sparing; not wasteful.

We should all have a money saved for a rainy day (or days) because rainy days happen when you least expect it. Surprise expenses seem to creep up...

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