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Our Family Budget

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Our Family’s Cash Envelope System Breakdown

There are a few things that will be huge game changers when it comes to sticking to your budget once and for all! The very most important is to start using a cash envelope system!

You remember that stuff right? Cash. It’s that stuff you used to use as currency in exchange for goods or services.

Using cash instead of swiping your debit or credit card every time you step into a store is statistically proven to help you spend less money! I’m guessing that might be a problem for ya.

But you don’t want to just go pull a random amount of cash out of your bank account and head straight to the store with no plan. That could result in financial disaster for you!

 

The very most crucial step in sticking to a budget for your family is to start using a cash envelope system! This example is full of real life numbers from a family’s cash envelope system. Use this as a guideline for starting your cash envelope system for beginners.

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Our Family’s Monthly Grocery Budget

What would your monthly grocery budget look like if you spent it all in one day? That is exactly what I do for our family every single month and I want to teach you how to do the same thing! It’s all part of living the Pearl Life!

Why would you want to do that? Well I guess you wouldn’t be interested in learning this life changing mom strategy if you don’t want to save thousands of dollars each year…

Oh you do!? I kinda thought you might be interested to see what our monthly grocery budget strategy looks like. How about I share some real life numbers with ya?

What would your monthly grocery budget look like if you spent it all in one day? Creating a monthly grocery budget strategy SAVES YOU THOUSANDS OF DOLLARS each year because you will be eliminating unplanned trips to the store to pay full price which also eliminates impulse purchases at check out! Continue Reading →

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Getting Started on a Budget – Our Family’s Budget Basics

When it comes to getting started on a budget that you will actually stick with, there are a few budget basics that need to be established. It’s super simple and you can probably get this done in just a few minutes! I’ll show ya how!

Our family has had to learn the hard way with getting our personal finances on track, but that doesn’t mean you have to!

Learn from our mistakes and our wins and skip the hard part! I am sharing our real numbers today in hopes of painting a clearer picture to help you as you are getting started on a budget.

What you need to do is put yourself in the same shoes and ask yourself the same questions. These budget tips for beginners will help you set the basic groundwork for creating a hugely successful family budget that will not fail!

7 essential basic tips of budgeting for beginners. Get a crystal clear example of getting started on a budget by looking at the real life family finances of a middle class family living in one of the most expensive cities in the US. These budgeting tips for beginners will help you start a budget with motivation and the tools necessary to stay on budget. Continue Reading →

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November 2017 Family Finances Budget Update – How to Quickly Correct Your Money Mistakes

I’m about to share with you the real life numbers that make up our family finances. BUT I made a mistake. A mistake that cost us money. A mistake that I promised myself would never happen again!

You will have to watch the video (below) to find out what the mistake was and how we plan to correct it for the future. Don’t forget to subscribe to my YouTube channel!

This is your opportunity to look at the real life numbers of another family’s finances! Learn from their money mistakes to help build a strong family budget. She shares tips on how to learn from your money mistakes and how to start a budget that won’t fail! Continue Reading →

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October 2017 Family Budget Update – BIG Changes Coming Soon!

There are big changes coming to our family budget! We are in the middle of escrow on our first house ever! You can read more about our house hunt here.

We will be more than doubling what we pay for rent with our new mortgage payment (including taxes, PMI, and insurance). That means we need to make some changes with our budget.

 

How to Budget for Beginners - What a Budget for a Family of 5 Looks LikeThe best thing is that because we have already lowered our expenses, paid off all our debt, and have been putting thousands of dollars in savings each month, the change won’t affect on our lifestyle much at all! Continue Reading →