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21 Practical Frugal Living Tips for Saving Money

Let’s start by answering a question.  Some of you may know what this means, and some may not.  What exactly is frugal living? In a nutshell, frugal living means that…

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21 Practical Frugal Living Tips for Saving Money
Debt Snowball: Best Debt Payoff Method?
  • Debt Management

Debt Snowball: Best Debt Payoff Method?

If you have a mountain of debt or even just a little bit of debt, and debt payoff is your goal, then you are in the right place!  Firstly, we…

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  • Budgeting

How To – Zero Based Budgeting

Have you ever created a budget?  Zero-based budgeting, or sometimes called the zero-sum budget, is a simple to use and understand budget method if you are new to budgeting. Do…

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How To – Zero Based Budgeting
Monthly Goals for July 2019 and Life Updates
  • Life

Monthly Goals for July 2019 and Life Updates

Hey everyone!  Did you all write down some goals for June?  How about for July?  I am going to list my monthly goals for July 2019 and talk about a…

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  • Debt Management

13 Mind-Blowing Mistakes We Make When Paying Off Debt

Paying off debt, as in getting rid of it completely, can be very overwhelming.  A big reason for that is the mistakes we make along the way! If you are…

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13 Mind-Blowing Mistakes We Make When Paying Off Debt
9 Surprising Money Habits of the Wealthy
  • Debt Management

9 Surprising Money Habits of the Wealthy

Wealthy people all have something in common, and that is they have solid money habits! These money habits are something I lack and am trying to develop in myself, and…

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  • Save Money

How to Have Summer Fun While Saving Money

It is time for some summer fun, but we are all saving money to become financially free! The summer can bring some added expenses our way.  For example, electric bills…

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How to Have Summer Fun While Saving Money
Monthly Goals and Updates for June
  • Life

Monthly Goals and Updates for June

Hey everyone!  What are your monthly goals for June 2019? Do you write down your goals, or do you keep them in your head? As I discussed here, I have…

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  • Debt Management

How To Keep Your Debt Repayment Motivation

Keeping your debt repayment motivation can be tough!  I started this journey to become debt free, to gain financial freedom about three months ago. Some days I wonder how I…

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How To Keep Your Debt Repayment Motivation
Financial Freedom – What Is It?
  • Debt Management

Financial Freedom – What Is It?

What exactly is financial freedom?  It is different for everyone, but I believe, in a nutshell, it means we are debt free which means we can live our life how…

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Hello and Welcome!

My name is Carey and I am the author of Realities and Dreams.  I started this blog as a new hobby and to motivate all of you, and myself, to take control of our personal finances!  Time to turn our Dreams into Reality!  Let's get started!

Editor Favorites

How We Paid Off $25K in Debt Fast, in Less Than 9 Months!

How We Paid Off $25K in Debt Fast, in Less Than 9 Months!

15 Best Work from Home Jobs that Pay Well!

15 Best Work from Home Jobs that Pay Well!

Should You Pay Off Debt or Save Money?

Should You Pay Off Debt or Save Money?

16 Awesome Money Saving Challenges: Start One NOW!

16 Awesome Money Saving Challenges: Start One NOW!

21 Practical Frugal Living Tips for Saving Money

21 Practical Frugal Living Tips for Saving Money

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