Folder has monthly spending plan, plus a calendar for upcoming payments recurring payments or items to budgeted for over time)

I am coming up on month three on the cash envelopes system.  With a recent change in employment and preparing for the bankruptcy, my envelopes were bare this month. It was awesome to even have the resources available for the filing fee!! Even though it made the rest of the month pretty tight, the money was there when needed.

In my road to financial serenity, I have to work on my money clarity and not being vague about where my goes and where it comes from. I re-vamped my spending plan to allow for some adjustments to the envelopes, to allow for some savings, and budgeting smaller items as they arise. I am incorporating as many of the tips and tricks I find from my financial blogs I read and going to some old-fashioned ink & paper techniques that keep me focused on my money clarity.

Of course, any chance to make something using paper always makes me happy!! New envelopes are being made for categories I had not originally planned for, i.e. books and/or movies. The cash envelopes seem to be a every evolving system and seems to grow as you do.

What are you tips are tricks for budgeting??Do you have a pen and paper method of accounting for you bills?? Everything done online?? A mixture of both??

au revoir!

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5 thoughts on “CLaRItY

  1. I think you’ve seen my budget which is done entirely online through google docs. It’s a super simple spreadsheet concept and I have almost every penny I’ve spent over the last 6 years noted on there. I know how much money I have to spend, what bills are due when and the history to tell me how much my tires cost 3 years ago, etc. It’s AWESOME!

    1. I totally admire that! I have spreadsheets saved going back a few years but like I learned this weekend, I have to keep them updated. I went to find out how much my tags were last year to project the amount for this year only to find out that spreadsheet was empty 🙁 Lesson learned indeed!

  2. Peace and Plenty is a money memoir, in which Ban Breathnach takes readers along with her as she makes sense of the financial ruin during her nearly five years of marriage. She blames the Englishman. But there’s more to the story. She admits her own whopping mistakes along the way.

  3. I think you are definitely on the right track. I have read Dave Ramsey’s book “Financial Peace” and agree with almost everything in it. My father has taught the Financial Peace University at his church several times through, and is a living example of the results obtained by following the major principals. I do find, however, that while his budgeting ideas are great, he tends to oversimplify investing by suggesting that everyone should always be in mutual funds. The world of investing is becoming more erratic every year, so it makes more sense, I think, to diversify in a number of assets rather than just saving in a bank and mutual funds. Of course, that is a discussion for later, once you own your house free and clear and have no other debts!

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