Join us on our journey to lead a debt-free, credit-free, clutter-free life.
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I argue that tracking your finances is even more important than creating a budget. After all — if you don’t know where your money is going, how can you create a realistic, working budget?
The first time my husband and I were challenged to track every dollar we spent was over ten years ago when I was taking [...]
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Wow, I just scrounged up a draft of this post originally dated July 1. I guess I had admirable intentions of a timely update. I have been amazingly lazy about reluctant to post June’s numbers: Paying down debt just isn’t very exciting when you’re only making the regular payments.
I really can’t call this a snowball. [...]
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In short: I think I’ve made this unnecessarily complicated for my taste.
I started with four cash envelopes:
Food/Groceries
Clothing
Gifts
Booze (Just keeping it real.)
I’ve since added two more:
Entertainment
House
First off — I’m doing much better about remembering to take my cash when I go to the store. Yea, for me!
However. Aside from the grocery envelope? By the end [...]
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We got a new garage door opener! Woo-hoo!
The Final Tally: $115.00
The Home Warranty came through (with a little help from Josh The Garage Door Fixer Guy) and covered the replacement of the opener instead of just the stripped gear. Aside from the $70 service call, we are also paying $45 to replace the keypad, which [...]
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I was half-way through my grocery shopping today when I realized I had walked out of the house without taking cash from the “food” envelope.
The Envelope System
Cash spending is a new thing for me. This is my first month, actually. I’ve started off small — just four categories. (Food; gifts; clothing; and booze.) (Just keeping [...]
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I’m slowly coming out of my denial that moving to a cash system is the step we need to take to really get a grip on a budget that we control. Particularly in light of our most recent tenants vacating that thorn in our side our rental home, it is vital that every dollar we [...]
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