Budgeting Tips

Using the Cash Envelope System

Have 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 just what it sounds like […]

How to Start the Path to Pay off Debt

I 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 an amount each month based […]

How to Grocery Shop on a Budget

I remember when I used to think I did not need to grocery shop on a budget.  After college I would wander through the aisles and grab anything that appealed to me.  I probably bought enough food to last me a whole month EACH WEEK and a lot of food (not to mention money) went to waste.  The problem was that usually I had no idea what I wanted to eat for dinner that week and I would go shopping after work and be really hungry.  I am proud to say that I have gotten my grocery spending under control […]

How to Improve Your Budget

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 we splurge our savings on. Whoops! […]