How to Budget

How to budget for beginners to save money and pay off debt.

How to do a Zero Based Budget (Examples + PDF)

How to do a Zero Based Budget (Examples + PDF)

Have you ever wondered how to make a zero based budget? If you’re ready to start budgeting and get your finances organized, a zero based budget is a great place to start! Zero based budgeting is the best way to make sure you are telling […]

How to Use Sinking Funds (with examples!)

How to Use Sinking Funds (with examples!)

asd Sinking funds can be a little confusing at first, especially if you are new to budgeting. In fact, you might not have even heard of them! So, what is a sinking fund anyway? Sinking funds are basically mini savings accounts. You will use a […]

Debt Free Journey | August Update

Debt Free Journey | August Update

I can’t believe September is already here! Our oldest son started school in August, so it’s no surprise that the month flew by. The summer was so crazy with all of the lifestyle and money changes that we made, but they have proven to be […]

Budget Categories You’re Probably Forgetting!

Budget Categories You’re Probably Forgetting!

It happens almost every month. Hubby and I have our budget meeting and we think every dollar is accounted for. Then, about half way through the month BAM…seven birthday party invitations from the kiddo’s daycare. Okay, maybe not actually seven, BUT it’s always something…am i […]

Dave Ramsey Baby Steps + (Free Printable)

Dave Ramsey Baby Steps + (Free Printable)

CLICK to DOWNLOAD your FREE DAVE RAMSEY BABY STEPS PRINTABLES! Are Dave Ramsey’s Baby Steps the Right Financial Plan for Large Debt? The Dave Ramsey plan is not for me. I make a large income. I can afford a car payment, a nice house, and […]

Dave Ramsey’s Baby Step 1 | Save $1000

Dave Ramsey’s Baby Step 1 | Save $1000

Dave Ramsey’s baby Step 1 is to save $1,000, for your starter emergency fund. When we first started baby step 1 of Dave Ramsey’s 7 baby steps, we kind of brushed over this important little step! We were much more concerned about tackling our debt […]

How to Calculate Debt to Income Ratio

How to Calculate Debt to Income Ratio

Do you know how to calculate debt to income ratio? You will usually need to know how to calculate debt to income ratio when you are applying for credit of any kind. This is especially important if you are ready to buy your first home. […]

Most Common Financial Mistakes (that keep you in DEBT)

Most Common Financial Mistakes (that keep you in DEBT)

Are you making any of these common financial mistakes? Debt is completely normal.  It’s become something that our culture accepts, and is even considered a “good thing” to build credit. However, debt is actually a thief.  Over time, having a lot of debt steals your […]

How to Cut Down Expenses on the Family Budget

How to Cut Down Expenses on the Family Budget

We have cut down over $8,000 OF EXPENSES OVER THE LAST SIX MONTHS! It’s almost unbelievable. What were we even doing?! Once we started cutting down little expenses, it became easier to find more ways to cut and save in the budget. Related: How to […]

Budgeting for Married Couples: How to Have a Budget Meeting with Your Spouse

Budgeting for Married Couples: How to Have a Budget Meeting with Your Spouse

Do you have a monthly budget meeting with your spouse? If you’re anything like  me, it might have never even occurred to you! Up until recently, I handled all of the monthly budgeting, financial planning, and bill paying completely on my own. My husband trusted […]