Flossie McCowald was a teacher before becoming mama to Kimmie and Essie. A country girl who married a city boy, she and her family now live in Suburbia, U.S.A. When not schlepping her girls to Scouts, Code Club, swim lessons, or church choir, she enjoys bicycling, cooking, crocheting, and volunteering.
It’s never fun when you set out on a challenge, only to recognize that you couldn’t meet the goal. I feel as if Week 3 was a bit of a failure in our home and, while I’d rather be sharing with you all of the ways we saved, I have
Creating a budget is no easy feat, so I’d like to start by applauding you for doing just that. You’ve come this far and yet, the bottom line shows that you have more expenses than you have income, and you aren’t sure what to do next.
Don’t worry. I’ve got a
It’s my pleasure to have the opportunity to feature Andrea Joy today. Andrea lives in Ohio with her husband of 12 years. He works as a HVAC Warehouse Manager and although Andrea works primarily as an […]
I know, I know. You’ve been waiting for this moment. You gathered your income, sorted through your expenses, argued about debt with your spouse, got a little bummed when you realized how little you have in savings, but you have those goals and you can’t wait to get that budget
You’ve verified your income, added up all of your expenses, and even come up with some variable expense funds you’d like to implement. Sure, you don’t have any idea how to put it all together yet, but that’s okay because we still have a little more information to cover before
One of my favorite ways to plan for and keep track of those pesky variable expenses is to create “funds” within my budget. The idea is that I will budget how much money I will need for each expense throughout the year and divide that yearly amount by twelve. I
Whew…we made it through one week of this No Spend Challenge and I have to say, that while I know we are being successful in our attempt not to spend money, it’s definitely been a CHALLENGE. I guess that was the purpose? […]
Meeting our financial goals most often comes after we’ve made some sort of sacrifice, and yet, if we don’t know how to run a proper budget, then there is no way to ensure that we will succeed. This series, How to Implement a Budget and Achieve Your Goals, helps us
You want to be debt free, have your sights set on buying a lake house, or want to retire early and travel the world. Whatever your goal is, it probably requires adjusting your finances to make it happen, correct? Today we will do just that! […]
In the spirit of the No-Spend October Challenge that Andrea (from Saving Joyfully) and I are embarking on, I’m excited to announce that I only spent $70.24 on groceries this week. Here’s how […]
Over the last year, I’ve been bringing you tips and tricks about how to get your finances in order. It occurred to me, though, that you might not know why I even bother. Why does it matter to me that you know how to manage your family’s finances? Why would