I think I finally understand the envelope budgeting system – cash in an envelope and you use just the cash to pay for things. I thought it meant *everything* you paid for – bills, utilities, etc. – which is why I never started. But using cash for gas, groceries, entertainment. That would be easy! We [...]
Budget – it isn’t a scary word to me. But I still don’t have it down. I balance our checkbook at least every other day. I used to use Microsoft Money but when the desktop computer crashed, Money went with it and I never got it to transfer over to the laptop. So I started [...]
I’ve been thinking about long term goals – and for some reason the farthest I can think is next summer. By next summer we will have no credit card debt and no car payment. We will have the baby emergency fund fully funded, more savings being added to it and the automatic savings started again. [...]
I definitely struggle with discipline and money. Once we pay the bills, buy the groceries, pay on the credit cards and as long as the $1000 is in the bank, I think that is good. There is a variety of ways to spend the money that is left over. I’ve always wanted to spend every [...]