KadyDidIt

Let's throw the truth out there real quick...June was hard! I was so close to overspending in the last four weeks of cash envelopes it gave me a panic attack! Now that is not the right way to go about this process, but I do like that I'm pretty darn committed to this!  The first half of the month did not get it's own separate post so I will break down the month for the biweekly periods. Really only because I did so much better at the beginning of the month.                                                Planned                     Actual                                                                Groceries                                 $200                        $198 Household/Pets                     $100                        $90  Eating Out                           $50                          $45 Personal                               $100                        $8 Misc                                   $25                         $0

After the tens of thousands of videos (maybe a small exaggeration) I've seen floating around social media I couldn't resist trying the new fad, Baby Foot Foot Peel. Of course I'm budgeting, but I decided instead of a pedicure this month I would try this product instead. These are available from multiple retailers, but I grabbed mine from my local Target for $25.00 (found here ). The instructions seem pretty simple, as follows: Wash and dry feet. Cut along the dotted line of booties and place feet inside. Secure booties with tape around ankles. Wait 1 hour. Remove booties and wash feet with soap and water to remove gel. Peeling will begin within 5-7 days. The end. Now let me be honest...my feet were disgusting! They just are. I promise I get regular pedicures, and try to keep my heels from falling off because they're so dry, but nothing works. They're real bad. Before:   I followed these instructions to the T, not too ha

  Hey guys, another quick cash envelope update since it is officially June (WTH?) It's been one official month since I've been using the cash envelopes and I've been loving it! It has really helped me, and honestly others around me. I keep getting asked about my progress from my co-workers and friends and they seem very interested in starting this process themselves. If you're asking me, do it! It seriously works!   So as I had mentioned in the middle of the month I had adjusted a couple of the categories, and I'm thinking I might make one small change for June. When I go to the grocery store I separate my household from my food items, which most grocery stores are ok with this, however I've had my pet items as well...this has been an issue. I'm thinking that I might combine household and pets just to make grocery store trips easier. I haven't fully decided, but I'm pretty sure that's what I'm going to do.  

  I'm fully aware that some people might not agree with me on this topic, but I really need to share my experiences with Erin Condren as well as my opinions on why I do not plan on purchasing from this brand any longer.  Customer Service Good customer service is what makes a company, and unfortunately that is NOT Erin Condren's top priority. My personal experience with the customer service has been half and half. The policies and responses to customers is never consistent which makes me believe they make do not have any rules and guidelines for dealing with customer issues. In my opinion a company should have guidelines for handling issues and complaints.  Quality Control I have placed a total of 25 orders with Erin Condren over the past 5 years. Within the last 2 years 4 out of 5 orders have arrived either incorrect, flawed, or completely wrong. Again, only in my opinion, the way that this company lets orders leave there facility tells me that they don't c

  sink·ing fund ˈsiNGkiNG ˌfənd/ noun plural noun: sinking funds a fund formed by periodically setting aside money for the gradual repayment of a debt or replacement of a wasting asset.   I have not been doing the Dave Ramsey plan long enough to really give my testimonial on the idea of a sinking fund, but what I can share is what categories I have decided to save for! From what I do know I believe my categories are a little different for my family because we are not homeowners, when you own a home you could have other expenses arise that I, as a renter, would not be responsible for.   Currently I have 6 sinking funds: MEDICAL ANNIVERSARY BIRTHDAY CHRISTMAS RANDOM GIFTS EYEBROWS   Ok, weird? Maybe. Let me explain.   MEDICAL Lucky for me, my health insurance is pretty good so I personally have never had an experience where I owed a lot of medical bills after a doctor visit (With that being said, my dental sucks!). I've

In April of this year I started reading The Total Money Makeover, and I thought to myself, "Hell yeah! Let's do this." I would say I pretty quickly became "gazelle intense" and started planning my debt payoff as well as using cash envelopes to be able to stay accountable. I decided to do an update for my first "real" month of debt payoff as my first priority. So far I have been able to put $1467.85 towards debt! This has taken me about 6 weeks. The first two weeks I was focused on all of my minimum payments and then starts the snowball! My total debt does include my car note, which is a pretty significant amount of this total amount paid off, but hey we're getting there! My plan is to be able to put an extra $500 a month on top of all of my minimum payments. Well there we go, quick and easy! I will keep you updated (really, keeping myself accountable) on my progress!