Financial Organization

Using the Cash Envelope System

Last updated on December 28th, 2017Have you heard of Dave Ramsey?  One of his popular suggestions is his cash envelope system.   While we are not currently using cash for everything, we do our best to use cash only for eating out, fun activities, and groceries.   These are the budget categories that we were constantly going over budget – sometimes hundreds of dollars over!   Using cash has helped us control our spending and in the process helped us stay on track to paying off more debt. What is the cash envelope system? The cash envelope system is really […]

How to Start the Path to Pay off Debt

Last updated on June 12th, 2017I love creating a budget! I really do enjoy working with the numbers and getting creative in how to make money work for me and not against me.  Since college, I have had a wide array of different budgets depending on my situation.  From planning ahead just a few months to make it through a semester to planning for a whole year and beyond, I have used the same basic style.  I try to estimate what I will need over the course of a specific set of months for each budget category and put aside […]

How to Improve Your Budget

Last updated on June 12th, 2017 I would venture to guess that most people have a hard time saving their money.  In fact, 62% of Americans have this problem.  Saving your money is a big step on the road to improve your budget. Don’t get me wrong, I know some people who are awesome at it and it has really paid off, but it definitely takes some self-control and perseverance! Michael and I are realllllyyy good at saving up a big chunk of money about every year or so and then deciding that we reallllllyyy need whatever it is that […]