How to Budget

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

How to Use Sinking Funds (with examples!)

How to Use Sinking Funds (with examples!)

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 sinking […]

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 […]

Dave Ramsey Baby Steps + (Free Printables)

Dave Ramsey Baby Steps + (Free 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 I totally deserve those cute shoes I saw yesterday. These […]

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 […]

How to Make a Budget for Beginners

How to Make a Budget for Beginners

Download the Complete Budget Toolkit for FREE, and get your budget under control with some seriously cute printables!  Sign up here! My number one financial goal for our family is to pay off our six figure student loan debt.  Yikes. It sounds daunting when you […]

How to Have a Debt Free Christmas

How to Have a Debt Free Christmas

  Start Saving for Christmas today! Access the printable resource library and get my free budget planner delivered straight to your inbox! access the library! You’ve successfully signed up! Check your email for details. Do you wish there was a sure fire way to celebrate […]

Simple Tips for a Personal Budget That Works!

Simple Tips for a Personal Budget That Works!

Are you looking for a few simple tips for a personal budget that works? Creating a personal budget does not have to be difficult, and can actually be fun and very rewarding! If you aren’t sure how to make a personal budget, or can’t seem […]