budgeting
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March Printable Cash Envelopes
Holy moly…how is it March already!?!? I TOTALLY forgot to share the listing for my March printable Cash envelopes until a sweet follower reminded me!! I was still sitting there like it was mid-February and I had plenty of time. This month’s printable cash envelopes are a combination of shamrocks and cute green tartan, with a vintage feel. AND you get 15 options of colors and styles. That green plaid has my heart for sure!!! We are over two months into 2021, how are you feeling about your finances so far?? If you are not sure where to start?? Start HERE and then click HERE to see all of my…
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5 ways to save money on groceries
I think we can allllll agree that spending all of our money on groceries is SOOOO disappointing. We dream of going on fun vacations, buying a boat or a lake house or a new car. We want to fund our kids’ college funds and save for retirement. BUTTT we have to spend money on food. Every. Single. Month. The average American household spends between $550 and $900 each month on food. That is $6,000-$11,000 each year. Wouldn’t it be nice to have something more fun to show for that $11,000 than a chubby tummy??:) So for me, when I am trying to save money and rein in my spending, I…
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Money Saving Monday: Free printable cash envelope
Ok guys…it is a new dang month!!! I have no clue where January went, but it is gone…and we are moving on. January-Smanuary I guess. As I continue sharing about the benefits of using cash envelopes, I continue to get requests for free cash envelopes. ANDDDD I finally did it. Sooooo if you want to join me in crushing our financial goals this year, you can head to my FREE PRINTABLES page and grab your free cash envelope template. Just print it, cut it out, fold on the dotted lines, glue and voila…the cutest little buffalo plaid cash envelope you ever did see:) If you are new to cash budgeting,…
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Printable February Cash Envelopes
How in the heck is it almost February?!?! Was it NOT just a couple of days ago that we were watching the ball drop and wishing for a WAYYYY better 2021?? UGH!! Well I don’t know about you, but this year is still kinda sucky…and already flying by. But if 2021 is going to be just as weird as 2020, at least we can have cute cash envelopes for budgeting right?!?! That is why I created some cute printable February cash envelopes…because EVERYTHING is better with candy hearts!! You can grab yourself a set HERE. If you are just starting your cash envelope journey, start HERE. Or for 15 moneysaving…
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Money Saving Monday: How to use cash envelopes
If you have been around this blog for a while, you know that I love to talk about budgeting and cash envelopes and ALLLL things thrifty, but wanna know a secret…I DO NOT CARRY HUNDREDS OF DOLLARS OF CASH AROUND WITH ME WHEREVER I GO!! This is the NUMBER ONE question I get asked about a cash envelope system…so today I am going to tell you HOW to use cash envelopes WITHOUT carrying tons of cash. How to use cash envelopes without carrying cash… Start off small. If you are just beginning your cash budget journey, you do not have to jump into the deep end. Instead of using cash…
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Money Saving Monday–How to cut your grocery bill
Are you always wondering where the heck your money goes each month?! I really did not have a good grasp on HOW MUCH my family was actually wasting on groceries until I started to track my spending. I WAS SHOCKED!! I was WAYYYY overspending on food, but we were eating it…so how was I supposed to cut out anything?!?! We HAVE to eat…right?!?! Well yes…but also no. There are lots of ways to cut back, but let me tell you how I have managed to cut our grocery bill BASICALLY in half. How much should I budget for groceries?? There are lots of facts and figures floating around about what…
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Money Saving Monday–Creating a Christmas Budget WITHOUT credit cards!!
Are you ready for Christmas yet??? We are currently hitting highs over 100 degrees here in eastern Washington, so it is hard to believe that Christmas is coming up fast, but there are only 150 days left until Christmas Eve…less than 5 months…21 weekends!!! Do you have your Christmas budget ready?? Last September I explained ALLLL about how I try to plan ahead by using sinking funds to be prepared for extra expenses, but what if it is now July and you DO NOT have sinking funds set aside for Christmas?? We all know 2020 has started off really crap-tastic and ALL planning has LITERALLY gone out the window. SOOOO…
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Weekly Marriage Meeting
Among my resolutions this year is ONE goal that I am REALLY excited about and which has been on my heart for a while. I am dedicated to giving some MAJOR thought and time to my marriage in 2020. I have a few mini-goals to help me along the way, including more frequent date nights, quick trips (with and without the kids), being more intentional with my time at home, and holding a weekly marriage meeting…and that is the one that I think is going to be the real game-changer. Why have a weekly marriage meeting?? Before having kids, I was a teacher and a coach and I gave EVERY-thing…
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How to survive a spending freeze
Today was our FIRST day of the October Spending Freeze and I already got lots of messages about…what do I do?? how can I last for a whole week??? What now?? SOOO I thought I would quickly go through and answer a few of the FAQ about HOW TO SURVIVE A SPENDING FREEZE. First things first: WHAT IS A SPENDING FREEZE?? And WHY?? A spending freeze or spending ban is simply choosing a period of time to go without spending money. You intentionally go without spending, then set the money that you WOULD have spent aside for savings, sinking funds, debt, etc. This is a great way to pay off…
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15 ways to find EXTRA money in your budget??
Last week I talked ALL about SINKING FUNDS and how to plan ahead for upcoming expenses like holidays, back to school etc. BUT what if you DIDN’T plan ahead and now it is nearly October and you do not have cash squirreled away for Christmas?? ORRR what if you still have some debt in the back of your mind that you would like to get a jump on?? Or better yet, what if you just want to add some extra cash to your savings?? Here are a few tips and tricks that will help you squeeze some extra cash out of your already tight budget. ORRR just help you start…
