Christmas is almost here, which means that it's gift giving time! If you haven't yet realized your dream of a gift free Christmas (or maybe that's just my dream), that means there are probably people on your list that you need to buy for. And if you're anything like me, it's easy to get overwhelmed … Continue reading Christmas Gift Planner!
It's November. That means that next month is December. Which means the month after that is 2020. Insert all of the wide-eyed emojis. This post will help make sure that 2020 is the year that you're ready for all of life's expenses both expected and unexpected. So, get ready because I'm going to give you … Continue reading 3 Ways to Use Sinking Funds in the New Year
If you're not used to budgeting, it can be a huge adjustment to the way you handle your money. It takes months to get used to and there is definitely a learning curve, but it can revolutionize the way you think of your money. If you're a Dave Ramsey follower, you've probably heard him say … Continue reading Budgeting Concerns
Need a simple way to add up your investment contributions and check them against your investment goals? Check out this Investment Contribution Inventory!
Christmas is December 25th again! It's coming. There are 5 months of budgeting before Christmas strikes, so if you haven't already started your Christmas sinking fund, now is the time! The thing that gets tricky about budgeting for Christmas is you don't just need to budget for gifts. This is where we usually get tripped … Continue reading Start a Christmas Sinking Fund Right Now!
If you haven't read Our $90,000 Turnaround, here's the quick breakdown. In 2012, my husband and I had $60,000 in student loans (mine) to repay. We wanted to pay them back in 5 years and ended up doing it in 3 1/2! Shortly after that, we bought a car with cash, saved up our emergency fund, … Continue reading Weird Things We Did to Get out of Debt
If you're ready to start tackling your debt, the first step is getting them all gathered and on paper. This free Debt Inventory worksheet will help you get started!
So, when I first started learning about budgeting and getting control of my money, I kept hearing the term "zero-based budget." According to daveramsey.com “zero-based budgeting is a way of budgeting where your income minus your expenses equals zero.” I could not, for the life of me, figure out how you were supposed to save … Continue reading Zero-Based Budget Explained {quick and simple}
In the world of budgeting, sinking funds are probably my favorite thing. Before beginning our debt free journey, bills would come due or we would need to buy propane or Christmas would show up unexpectedly, and we'd be scrambling to find money to pay for the crisis of the moment. Once we found sinking funds, … Continue reading Sinking Funds & Savings Account Management {plus a tracking spreadsheet}
Arguments over money are the single biggest friction in all relationships. Sometimes I think money harmony is a bigger imperative than any other. How we spend money may be the greatest physical manifestation of our value system than anything else in our lives. it's the ultimate visceral expression of our beliefs. {Joel Salatin Your Successful Farm … Continue reading The Best Way to Avoid Money Fights
The Simple Girl's Guide 