So many of us make promises to ourselves, regarding exercise, finances, etc., and then don’t keep them. In fact, we might repeat that pattern over and over again. […]
I’m not sure that there is anything worse than adding up all of your expenses and recognizing that you don’t make enough to pay the bills you have that are necessary for housing, food, and transportation. If you’ve already cut your extra expenses (find out how to do that HERE),
Can I just say how excited I am that it is FINALLY the end of this No Spend Month? I mean, I don’t think October has ever seemed as long as this one did! At the beginning of the month, Andrea (from Saving Joyfully) and I embarked on a No
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