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Budgeting

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6 Cash Categories to Start Your Cash Envelope System

A cash envelope budget is a simple system of designating a part of your family’s spending as cash only. When getting started it can be confusing to figure out which cash envelope system categories to set. 

In today’s post I am going to walk you through the 6 categories you need to get started and show you how to figure out how much cash goes into each one. Everything customized to your family’s finances and unique goals. 

 

When figuring out how to start a cash envelope system you need these 6 cash envelope categories to get started. These will help you figure out how to use the cash envelope system and get started right away. Continue Reading →

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April 2020 Meal Plan & Grocery Haul

This meal planning on a budget post contains affiliate links at no additional cost to you. Thank you so much for supporting Pennies Into Pearls by using my links!

 

Spring is always a crazy time of year for our family. It’s the end of the school year, and we are gearing up to summer break (my favorite time of year)! 

 

This month, I am committed to sharing with you how my family deals with all of these  “unforeseen” events and plans for them as much as possible. 

 

This monthly grocery haul on a budget of $380 is really helping our family of five feel like we are eating healthy, while still sticking with a budget that is realistic while living in an expensive city. Take a look at our Costco grocery haul on a budget and learn tips to save money on groceries.
Continue Reading →

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March 2020 Budget Update

Wow it’s amazing how fast 2020 is going by already! I know, I shouldn’t say that. This March 2020 Family Budget Update is covering all the basis of changes we’ve made in the past few months. I plan to do these budget updates quarterly now, to allow room for other great content! 

 

Starting a family budget doesn’t have to be restrictive! Look at it in a way that you are actually telling your money what to do rather than wondering where it went. Then not having enough to pay the bills… Stressful! 

 

 

In this month’s family budget update, I am going to walk you through all the numbers that went in and out of our family’s bank account. 

 

We share all the numbers in hopes of turning on some light bulbs to help you manage your family’s finances and set financial goals based off what you guys value most in life! 

 

Related Articles:

 

FREE Budgeting Starter Kit

In all of my budget updates, I share with you the exact numbers of our family finances Excel spreadsheet. This system is what we started using several years ago that helped us get out of $20,000 in debt!

 

You can get the same budgeting starter kit for FREE! It includes not only the excel starter kit (you can open it in Google Forms), but there is also a printable version!

 

 

You will be letting your finances down if don’t also go look at my post and video on How to Start a Budget that Won’t Fail! That article is where you will learn how to use the the budgeting starter kit and how to customize it to your family’s specific needs.

 

FREE Financial Planner Kit for Couples

This is the workbook and exact system that hubby and I use to do our long term planning. This is how we turn our dreams into reality! 

 

I know that sounds cheesy but it is 100% true! If you don’t make a plan now to achieve what you really want in life, it won’t happen!

 

March 2020 Family Budget Update

Dah-dah-dah-daaaaah!! Her ya go! All the real numbers from our bank account. I will warn you… if you watch this video you will see tears! It’s real life people!

 

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Why You Can’t Stick to Your Budget

Dang it! You set the budget for the millionth time but for some reason you can’t seem to stick to your budget! What’s the deal? It’s starting to feel hopeless…

If it seems like I just read your mind that’s because I have been in your exact spot! It took hubby and I a good 9-10 years before we FINALLY figured out why we couldn’t stick with our budget.

In today’s post, I’m going to uncover three reasons you can’t stick to your budget and what you can start doing today that will change it all around so you can once and for make it work!

 

This is the SOLUTION to figuring out why you can’t stick to a budget! Here are 3 reasons why you can’t stick to a budget and HOW TO FIX them and learn to budget the right way once and for all! Continue Reading →

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Can You Afford Your Goals?

You have big dreams for your family, but that’s all you believe them to be. Dreams… You keep wondering how to afford your dream life.

You wish for a life without having to worry if you have enough money to pay the bills. You fill stuck with no hope of a brighter future.

What would it be like to live without the weight of your debt on your shoulders? What would your life be like if you could own your own home? What would you be willing to do in order to live out adventures as you travel with your family?

But your stuck thinking, “I won’t ever have a life like that.”

To that I say, WHY NOT?

You have big dreams for your family and today I am going to show you how to turn those dreams into goals and those goals into a goal based budget. You need a financial action plan to get you to your dreams and I am going to show you what needs to be done!

Setting goals is one thing, but how do you actually reach your goals for your family? How can you dream big but still set realistic goals? This is what you need to do in order to set goals, stick with them, and start living an amazing life with your family. Continue Reading →

Our 15 Minute Budget Routine

Today I am sharing our 15 minute budget routine. I’m going to walk you through what our bi-weekly budget routine actually looks like. I’m also going to show you what it looks like when I am paying all our bills and making sure there is cash in the bank! 

If you need help making your budgeting process a real routine then you’re going to LOVE this! 

These are the 6 steps to our budget routine. We set up a budget date every two weeks when hubby gets paid. I’m sharing the 6 steps to our budget routine. Continue Reading →

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Our 2020 Financial Goals

Today we are sharing our 2020 financial goals! We like to set goals each year so that we can make a plan from those goals, and achieve them! It’s so important to base your plans and budget off of your goals to keep you motivated. 

If you’re not working towards a goal, it’s really easy to get off track. Plus, it’s fun to DREAM and watch those dreams come true, am I right? 

 

Today we are sharing our 2020 financial goals for our family of five. We had a great 2019, but we definitely have areas we could improve and some fresh new goals for the new year! Continue Reading →

The Only 3 Budgeting Tools You Need

Holy cow is your brain spinning from trying to figure out which budgeting tools you need to get started with budgeting? There seems like there’s a million options and how do you know which ones will work for you?

Allow me to simplify this for you. In today’s post, I am sharing with you the only 3 tools our family successfully used to once and for all set and stick to a budget so we could stop stressing about money and start living a better life!

 

When you’re trying to figure out how to start a budget, you need to know what budgeting tools you need. Here are 3 FREE budgeting tools for beginners that will get you started today! Continue Reading →