real-life journeys, realistic life tips, and random rants
Zero-based budgeting is a budgeting method where every penny is accounted for, so that your income minus your expenses equals zero. For Johnny, who gets paid weekly, a projected budget for him may look something like this: At the end…
Do you take advantage of savings when you can, or do you just let the savings fall by the wayside because you can’t be bothered? I’m not talking about extreme couponing, or even driving to three different grocery stores to…
As you are trying to save money, spend less, reduce fixed expenses, and live your best life, it is always a good thing when you can get money for little effort. One simple way to do this is to check…
I have a problem. They say admitting you have a problem is the first step. Whoo chile! I’m sure you see it. On a positive note, eating out was much better this week. That’s all I got right now. Tomorrow…
It is HARD trying to change habits. Do not believe anyone who tells you any different. I am committing to posting my journey here for accountability, and to show you the REAL deal. No, I am not going to pay…
I am by no means a master of budgeting. I am sharing my journey with you as I get my life together. Looking around the internet, it is easy to find people on a who have already started their journey,…
If you read my June budget post, you already know I changed a few things up. (If you haven’t, you can find it here. Among them, instead of listing every. single. debt I have (because at this point, they are…
I decided to try something new this month and use Dave Ramsey’s monthly cash flow worksheet to help me more clearly see where my expenses lie. As you see, I write out my bills and expenses every month, but I’m…