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!
When it comes to managing your money and planning for future expenses, sinking funds are where it's at! A sinking fund is essentially a mini savings account that is intended to be spent for a specific purpose. The majority of our bills are paid every 6 months. That meant that every 6 months, we'd be … Continue reading Sinking Fund Categories to Help You Manage Expenses
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!
This is NOT a political post. I repeat, this is NOT a political post. I just read this article from CNN. The gist being that Donald Trump began to raise campaign funds for the 2020 election as soon as he became president. In fact, he filed for re-election on the day of his inauguration. The article … Continue reading Donald Trump’s Sinking Fund
Christmas is December 25th again! It's coming. There are 3 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
Beyond all of the advice we got from Dave Ramsey, finance books, articles, etc, there was one thing we did while getting out of debt that was a game-changer for us. When we first started budgeting, I would get a little stressed out having to budget every 2 weeks or guessing as to what our … Continue reading Our Biggest Budgeting Secret
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!