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           ...

 I have completed my first two weeks of utilizing cash envelopes, and let me just say I'm damn proud of myself! I'm not going to say it wasn't hard, but man was it invigorating. I want to give a little update on what worked, what didn't, and what is going to change. My 6 original categories were: groceries ($200), gas ($70), household ($30), eating out ($50), personal ($100), and misc. ($25). I quickly realized my gas is not a problem, I fill up once a week which costs me right at $70, however my pets can be an issue. Not my pets in general, but my need to buy them all of the things. This month they needed EVERYTHING so I decided to switch my gas envelope into my pets envelope and put $100 in it for this first half of May. I also set up a few Sinking Funds which I don't believe I mentioned in my previous post. These include: medical ($25), anniversary ($25), birthdays ($25), Christmas ($25), and eyebrows ($100) (sorry, not sorry)! I did fill these envelo...

  If you've been following any of my previous posts for the past few weeks you would have know that I'm trying to become debt free. Really, who isn't nowadays? I've become pretty obsessed with any and everything about budgets for the past few weeks and thought I'd share my two cents on the matter and share what seems to be working for me. Sell Your Items Now I'm not saying sell you bed and sleep on the floor or anything crazy, I just know WE ALL have a ton of stuff we don't use. You'd be amazed by how much money you are literally sitting on. I've been decluttering at the same time as trying to save money which has helped me a ton. In the last two weeks I have made over $1000 selling my personal items which I put directly into a savings account to complete baby step 1!   Cash Envelopes I know, I know, you're probably tired of hearing about it by now, but I'm obsessed. In the short time I've been using this system I have qu...

  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!