Printable Cash Envelopes – Great Way to Stay on Budget


Printable Cash Envelopes are a great way to stay on budget.  I haven’t used them for quite a while and getting back on a budget is one of the top things on my list this year.

 

Printable Cash Envelopes

 

Dave Ramsey swears by using cash and in his kit he includes cash envelopes.  That’s how we came to use this method.   We went through ours and instead of buying new ones I decided it would be best to create and print our own.  Especially since we use our cash envelopes for so many different things such as groceries, gas, clothing and so on.

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Financial Problems – My Husband and I Just Don’t Agree

Financial Problems occur in many households including mine.  My husband and I just don’t agree when it comes to dealing with our finances. (With the exception that we want to be debt free.)

Lately our financial problems have been paying off some lingering debt.

Financial Problems

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Dave Ramsey says to get aggressive with your debt and sell everything!  I love that theory, but I’m also not taking it literally.  My husband has a motorcycle that he can sell.  We’ve had it listed but no buyers yet.  My husband  is impatient and he wants to drop the price to get rid of it faster.  I told him not to do that.  He disagrees with me, which leads to us arguing because we just don’t see eye to eye.

His reasoning is that this will keep our motivation and we’ll no longer have to pay for registration and insurance on the item.

My reasoning on this is the fact that selling this item, won’t take us out of debt.  Yes it will put us closer to becoming debt free, but since it won’t zero out our balance why rush?  We have time to be patient and wait for the right buyer to come along and pay us our asking price.  As of right now, we’ve solely relied on Craigslist to find a buyer.

I pointed out that we don’t have a plan of action to get this bike sold.  We can’t just market it on Craigslist, we need to start looking at other opportunities to find a buyer.

He pointed out that we’ll have to pay for advertising and costs associated with marketing it elsewhere.

I justify that the advertising costs won’t be as much as what he want’s to lower the bike for.

See our dilemma?  Comment and tell me what your thoughts on how to solve our current financial problems?

Check out our post:  Manage Your Money by Setting Your Personal Money Goals

Financial Problems

 

Money Monday ~ Budget List

Budgeting Tips

Monday’s seem to be the day to make a list of all of the things we want to get accomplished for the week.  We make lists for meal planning, activities, appointments and so forth.

But what about our money?  Do we have a list for that?  I think we need to get one. Starting today, let’s all get out a journal and call it Money Mondays.  Each Monday, let’s choose a task of what we are going to do with our money.

This week Budgeting is on my list.

I’ve been spending way too much “unaccounted for” money and when I do this, I always overspend.  My To Do this week  on budgeting is to  pin point out every dollar I’m going to spend.

Here’s my breakdown.

  • $60 Gas
  • $25 Hubby’s Birthday Present
  • $60 Groceries / Toiletries
  • $10 Kids Lunch Date
Those are the only things I need this week.  I don’t need to spend anymore than what I have accounted for.  So when I’m in Target and I see those deals on school supplies, I just need to keep on walking by.  It’s not on the list.
I learned these budgeting tips when I took Dave Ramsey’s Financial Peace University Class, implementing this practice is the hardest thing to do.
What’s on your list?

 

 

 

Dave Ramsey Kids Money Education Monster Pack for $48

If you love Dave Ramsey, you’re going to love this deal!!

Right now MamaSource is offering Dave Ramsey Kids Money Education Monster Pack for $48 which includes free shipping!!

 

This is a great way to start teaching your children how to be financially responsible.

In this pack you’ll receive Financial Peace Junior, the new Junior’s Adventures six-CD audio set, and a kids’ bank. Designed for ages 3 to 12, Financial Peace Junior includes hands-on activities and lessons to teach children the value of earning money. It comes complete with a parents’ guide, kids’ activity book, an audio book, dry erase chore chart, a calculator, and envelopes for giving, saving, and spending.

MomsLifeboat ~ Las Vegas, NV
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