Wait! What? A cashless cash envelope system? Yes, you read that right! If you know me, you know I LOVE using cash. In fact, the cash envelope system is what helped me control my spending and take control of my finances. I love the control of just using cash because when it’s gone, it’s gone,…
If you know me, you know I harp on the importance of having a budget to successfully manage your finances. Now, I want to add another step towards your goal of financial freedom…an emergency savings account. I’m sure you’re asking yourself how do I do it? Where do I begin? How much should I even…
If there’s one budget category that can easily ‘run away’ it’s groceries. I have so many friends and family that often overspend on groceries by $50 a month, $100 a month, and some that budget $200 and end up spending double! However, there are a number of different things you can do to help you…
Recently so many of us found ourselves faced with complete uncertainty by the sudden loss of income due to the events unfolding around us. Learning how to survive a pay cut is difficult but not impossible if you look at your finances realistically and make the necessary changes from the get-go. For numerous reasons, you…
I live by my calendar on my phone that is linked to my computer and I have a paper copy with the really important, “can’t miss” dates. Apparently, I’m a visual person. Are you like me? Since we’re chained to our calendar, let’s add a new calendar to really organize our lives. Your monthly budget…
Does the thought of holiday shopping stress you out? It doesn’t have to be this way. Following these Stress-Free Holiday Shopping Tips can help you avoid being a Christmas Scrooge or worse yet, running for the hills to hide from the holidays. (This post may contain affiliate links. What does that mean to you? Well, if…
Do you feel like you’re drowning in debt? I promise you’re not alone. In 2018, the typical household carried an average debt of $137,063. This is over 2 times the median US household income. Alarming isn’t it? But we can change that. If you are anything like me, you know the path to financial freedom…
When you’re on a strict budget the price of a real Christmas tree can do some damage to your holiday finances. That’s why I’ve compiled this list of budget-friendly artificial Christmas trees to help keep you on track with your goal of a debt-free holiday. (This post may contain affiliate links. What does that mean to…
“Maybe Christmas” the Grinch thought, “doesn’t come from a store.” “Maybe Christmas,…perhaps…means a little bit more.” – Dr. Seuss Did you know that Americans are anticipated to spend $720 billion this year for Christmas? The average family will contribute $902.00 to this total. Whoa! That’s a lot of cozy socks, popcorn cans, and fruit cakes!…
It’s so frustrating to know that on paper you make enough to cover your expenses with even a little cushion for additional spending…BUT for some reason, you’re having the hardest time paying all of your bills and having food on the table. The half payment budget method may be your solution to break the paycheck…