http://makingovermymoney.com Join the journey to making over my money - and make over yours in the process! Sat, 01 Dec 2007 19:39:45 +0000 http://backend.userland.com/rss092 en 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. ... http://makingovermymoney.com/2007/understanding-the-envelope-system.php 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 ... http://makingovermymoney.com/2007/the-b-word.php 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 ... http://makingovermymoney.com/2007/long-term-goals.php 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 ... http://makingovermymoney.com/2007/discipline-and-money.php Financial Peace University Journaling I fully believe we can find $100 a month to save. Up until about a year and a half ago we were saving 10% a month - more then $100 actually - and we did not miss it at all. We made the mistake of buying a ... http://makingovermymoney.com/2007/building-wealth-100-at-a-time.php I'm having a great time with Financial Peace University Online. I feel empowered all over again and know we are doing right. We had the mini emergency fund - need to build it back up again - and are doing great paying off the debt and not using credit cards. I'm ... http://makingovermymoney.com/2007/what-we-owe.php FPU Online Journaling The Emergency Fund: Last weekend was the first time we had cash on hand to pay for an emergency. Our car broke down on the way home from an out of town trip. We got help from a highway patrolman and made it a lot closer, but in ... http://makingovermymoney.com/2007/paying-cash-for-everything.php Over at Dimes to Dollars, she mentioned the chance to enroll in Dave Ramsey's FPU online for free - and I jumped at that! I signed up and this weekend I've been watching and making notes. We are going to have a lot change for us financially over the next ... http://makingovermymoney.com/2007/financial-peace-university-online.php I've talked about my temptation with staying away from online shopping - and I'm proud to say I am still staying away. Anytime I get the urge to buy something I go cleanup a spot in my house. Purging as we get ready for a move is a great reminder ... http://makingovermymoney.com/2007/no-spending-money.php Just one reason to be happy about having an emergency account - unexpected things happen at unexpected times. Not only are we getting ready for a move, preparing the house to rent out and everything that goes with these two things - yesterday we started having car problems. We were driving ... http://makingovermymoney.com/2007/car-problems.php