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Our Family Budget

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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! 

 

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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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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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2019 Budget Wins and Fails

Today we are reviewing our finances from 2019 and sharing out budget wins and fails. It’s not always easy to look back at our finances, but I think it’s a really good exercise to help you stay on track and see where your strengths and weaknesses are. 

 

I challenge YOU to look back at 2019 and make a list of your Wins and Fails before you set out your goals for 2020! 

Today we are sharing our top 3 budget wins and fails for 2019! We hope this post inspires you to look back at your finances and make a plan for 2020 to overcome any challenges you’ve had. Continue Reading →

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Living Debt Free in a High Cost of Living Area

We live in one of the most expensive cities in the United States. Home prices continue to increase faster than most other major cities, but the high expenses don’t stop there. Utilities, transportation, food, healthcare, and taxes all on average are higher in this beautiful city. This post contains 5 ways to live debt free in a high cost of living city. 

Despite those odds stacked against our wallet, there are a lot of opportunities to save money and grow our side incomes while living in a high cost of living area. 

 

When living in a city with a high cost of living, it’s especially a huge help to know ways to save money. These 5 tips to save money when living in a high cost of living area will help you stretch your money. Continue Reading →

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Your Frugal Living Questions Answered

The other day on Instagram I requested all our Pearls to ask this frugal living mama anything. You ladies came up with some really fun questions!

Some of the questions are related to family finances and some are random questions related to our everyday life. At first I thought I might leave those ones out, but on second thought left them in.

On some level, every decision we make can boil back down to our core values of frugal living. From the kind of hair products I choose to use to the worries of my husbands job. They all play a role in the decisions we make with our finances.

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When learning about frugal living there are so many questions that run through your head. Continue Reading →

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May 2019 Family Budget Update

How do you manage a family budget when life gets busy? It feels like you don’t have the time to sit down and write out where you want your money go. Do you know what I’m talking about?

Man O man! It has taken some major dedication for hubby and I to set aside the time for our family budget these past few months.

We have been busy with birthday month (3 out of the five of us have birthdays within weeks of each other) and preparing for doors to open to my online course 30 Day Family Finance Rescue.

And I know you know all about the random crazy that comes with a growing family! The irregular appointments, meetings, and activities that pop up and seem to throw your entire weeks (and subsequently month’s) schedule totally out of whack!

I am here to tell you that if you can relate to anything I just said, then you are too busy to NOT budget. When life gets crazy, it is all the more important to do regular budget dates!

In this month’s family budget update I am going to not only walk you through the exact numbers that have gone in and out of our bank account, but I will also share with you what we have done to balance our family finances while living through several crazy busy weeks!

See a real life family budget with all the numbers shared in one place! See the mistakes and lessons learned from managing a family budget. Lots of tips useful for budgeting for beginners and anyone trying to stop living paycheck to paycheck. Continue Reading →

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How to Start Paying Off Debt

Debt is such a burden! Borrowing money from one person to pay another is a horribly stressful way to live your life. Aren’t you sick of it yet? How to start paying off debt can feel like an overwhelming thought.

The constant weight of the worry “what if” that you carry around on a daily basis. Think of the full breath of fresh air you can inhale once you get that off your back!

But where do you begin. What is step one and where do you go from there? That is exactly what we are going to be chatting about today.

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Learning how to payoff debt is simple with these 5 Tips to Payoff Debt QUICK! It doesn’t matter if you are a low income or one income family, this is how to start paying off your debt fast.

Continue Reading →

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Our February 2019 Family Budget Update

Man it’s been a minute since we share our family budget update and holy cow a lot has happened since I last took you into our bank account! I have a lot to share with you this month!

I also really want to know what information I can share that would be most helpful for you and your family. So stick around and we can chat!

With all the extra holiday spending and budgeting behind us, it’s exciting to look to the New Year with new financial goals! Hubby and I in the process of sigging down with our Financial Unity Workbook and and planning our 2019 goals around what we currently value most for our family finances.

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! Make sure to continuously check out my Instagram Stories for helpful budgeting tips!

 

Getting back on track after the holidays is HARD! The crazy thing is that it doesn’t stress me out at all! Starting a family budget doesn’t have to be restrictive! See how our family learns to budget every month. Continue Reading →