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Funding Cloud Nine

Conquer Your Finances. Live Your Dream Life.

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  • Paying off Debt
    • Tips to Ditch Debt
    • Debt Snowball
    • Understanding Debt
    • Debt Ramblings
  • Budgeting
    • How to Start A Budget
    • Cash Envelope System
    • Budgeting Tips
    • Living on a Budget
  • Frugal Living
    • Saving Money
    • Making Money
  • Mastering Money
    • Money Lists
    • Bullet Journal Money Spreads
    • Retirement
    • Money and Love
This is the perfect resource to learn how to budget for beginners! Budgeting can be easy with these simple step-by-step instructions. Grab the free monthly budget printables to get you started on the right foot!
Here is a list of things people in debt do NOT want to hear. Living with debt is stressful enough; be the kind voice.
Check out this simple guide to meal planning on a budget. Start saving money on groceries, saving time, and eating healthy with these free meal planning printables.
Learn how to create a spending log in your bullet journal and get some inspiration from my bujo spread!
It never occurred to me that I might need life insurance because of my student loans…I recommend reading this if you have a lot of student loans!

Life Insurance and Student Loan Debt: What You Need to Know

By Liv

This post may contain affiliate links. Please read my disclosure policy here.

Do you have student loans? Figuring out how to pay them back is overwhelming enough. Now you’re telling me that I have to worry about what happens to them after I die? Jeez, do I really have to think about that too? Yes, yes you do! If you have a large amount of private student loans with a co-signer, you need to … 

[Continue reading] Life Insurance and Student Loan Debt: What You Need to Know

Understanding Debt

Check out this list of awesome personal finance podcasts! You'll be entertained and learned something different from each one!

The Top 6 Personal Finance Podcasts

By Liv

This post may contain affiliate links. Please read my disclosure policy here.

About three years ago I discovered podcasts. I think I’m in the minority, but hearing a voice talk to me is much more comforting and relaxing than listening to music. So basically, discovering podcasts, was excellent and they have become the background “music” to my life. I would say about 80% of the podcasts I listen to are about money. These personal finance podcasts … 

[Continue reading] The Top 6 Personal Finance Podcasts

Money Lists

If you're struggling with sticking to a budget, check out these 8 unique ways to help you manage and allocate your money differently!

8 Unique Ways to Budget

By Liv

This post may contain affiliate links. Please read my disclosure policy here.

Budgeting is a good thing – we all know that. But it’s also hard. If you find yourself unable to consistently stick to your budget, try ditching your current system and start an alternative way of budgeting. The problem might be your budgeting system, and not your execution. Below is … 

[Continue reading] 8 Unique Ways to Budget

Budgeting Tips

Check out this list of awesome personal finance blogs. You'll definetly bookmark a handful of new websites to expand your money knowledge!

My 5 Favorite Financial Blogs

By Liv

This post may contain affiliate links. Please read my disclosure policy here.

I have been reading personal finance blogs for about 10 years. I have easily browsed through hundreds of different money blogs, and tens of thousands of articles. The following 5 personal finance blogs are my favorites – I credit them for helping me create a budget, learn about credit cards, understand the … 

[Continue reading] My 5 Favorite Financial Blogs

Money Lists

Check out these food blogs to help you save money on groceries AND cook delicious meals!

The 5 Best Budget-Friendly Food Blogs

By Liv

This post may contain affiliate links. Please read my disclosure policy here.

A few years ago, my grocery budget was out of control. I was spending $80+ each week for ONE(!) person and my meals weren’t anything special – tacos, pasta, frozen pizza, burgers…and let’s be honest, tons of restaurant food. I didn’t really know much about cooking. I was broke, kinda hungry, and not … 

[Continue reading] The 5 Best Budget-Friendly Food Blogs

Living on a Budget

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Welcome, I'm Liv!

Wife. Engineer. Blogger.
Passionate about personal finance.
Your cheerleader for paying off debt.
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