It started with a gift from my mother-in-law. A jar full of change, sea shells included. It was a reminder that every year we said we would go to the beach. And every year….we didn’t. But that year, I decided….this…
Money Solutions
Little ideas and solutions for all things money
THE ENVELOPE SYSTEM – ON PAPER (part 2)
The monthly bills are budgeted. Groceries, gas and miscellaneous spending are accounted for. Then, WHAM! There is an expense that, even though it was anticipated, there was no plan to actually pay for said expense. Think Christmas. Every year it…
THE ENVELOPE SYSTEM – ON PAPER (part 1)
Using the old-fashioned money envelope system of allocating spending money is a tried and true approach. It works. However, the cold, hard, reality, for me, is that I am not going to bring home cash, divvy it up into envelopes…
The Amazing Benefits of Meal Planning!
How do you feel when you think about having to prepare dinner every evening for the rest of your adult life? To me, it is a cringe worthy thought, even after three decades of marriage. However, as an adult,…
What is a Zero Based Budget?
Would you like to know a highly effective way of budgeting your money? Although I have always budgeted, it was only a few short years ago that I heard the term zero-based budget. A zero-based budget can be a…