KadyDidIt

I have fallen into a worm hole reading and watching information on cash envelopes. Really, it's a freakin genius idea and I don't know why I haven't been doing this my whole life.  As you all know, I use a personal size Kate Spade Wellesley planner as my wallet. I purchased the above cash envelopes from Little Red Papers on Etsy. These come punched for different size planners as well as unpunched for every day use without a planner.  I figured out my income and broke down my budget for the biweekly period. This will be for the period of April 28th through May 11th. The envelopes come in a set of 6.  My categories are:  Groceries - $200 Household - $30 Gas - $70 Fun/Dates - $100 Eating Out - $50 Misc - $25 This is my first time using the cash envelope system and already after two days I've had a surprising change of heart for my budget ready self. It's true that when you actually have to use the cash yo...

  It is finally complete! I have been working on decorating this bad boy for a few weeks now and I'm in love! Thanks to my dear husband we were able to turn this cheap IKEA shelving unit into an adorable farmhouse style kitchen shelf pretty easily. See below for our step by step!    This is the IKEA Mulig Shelving Unit which is $59.99 for the largest size. This measures 47 1/4x13 3/8x63 3/4 "    We purchased a 3/4" piece of plywood at Home Depot in which we got cut in store for each shelf. These measure 46 1/2" by 13"    Also at a Home Depot we purchased a tube of Loctite Power Grip and a small can of Golden Pecan stain . This stain matches a few other items in our house so they would all look cohesive.    Once home, let the staining begin.      After one coat of stain was dry we used the Loctite to place the plywood on the shelves...

  Downsizing, it's the new fad, and I WHOLEHEARTEDLY understand why. Now there are people who commit much more then me by seriously downsizing, but currently I'm decluttering to live a simpler life. 

  Over the past few months, we've been updating our home decor room by room. My craft desk was previously in my breakfast nook area in my kitchen, but it just wasn't gonna work there anymore. At the same time of my redecorating, I'm also doing some serious decluttering (using particularly the Konmari Method, stay tuned for more info) which means I really wanted to downsize this area.  

  How does debt happen? I think it's just something that is such a normalcy it makes me think, does anyone really think twice about opening a credit card and then unfortunately for some of us become overwhelmed with the amount we've accumulated? I know this is not everyone, but I know from my personal experience it does happen to more people then we might think. For me personally I did open a credit card as soon as I turned 18 and thankfully I did accumulate some debt over the last 10 years, but I have been fortunate enough to not be TOO out of control. I do have some debt that will take me some time to pay off, but nothing that is not possible. I've decided to share what I'm doing personally to help myself out which includes the following Dave Ramsey's Debt Snowball method. So stick around if you're interested!