Baby steps, it’s all about the baby steps. I have my new and highly improved spending plan completed. I utilized the budget forms found on Dave Ramsey’s site. I re-vamped my personal spending plan to include the envelope system for items like hair cuts, clothes and dining out. I have it to the penny on each pay period. Granted, the figures are based on a basic, non over-time paycheck.
I also made new cash envelopes from a printable I found through Pinterest. Check out this site for the download. I made them using my papers on hand. Printed out a nice font and glued the label unto the envelope. These fit perfect into a little clutch I carry in my purse.
Payday is just a couple days away. This new budget will be put to the test!!