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.
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?
You’ve heard of a vision board before right? It’s name somewhat explains itself. It’s a visual reminder of goals and dreams that you have for your life. Did you know that a vision board for you budget is exactly the same thing?
In today’s post I’m going to show you the three steps to create a vision board that helps you stick to your budget.
This post on helping you have a debt free Christmas is sponsored by Ibotta. Thank you for using my links at no additional cost to you and for supporting Pennies Into Pearls.
Are you tired of starting the new year with a pile of debt leftover after your Christmas shopping spree? Let’s change that! Think of how it’s going to feel when the bliss that comes with a debt free Christmas sets in!
This how to stop shopping post is sponsored by my FREE Budgeting for Beginners Starter Kit
I hear you Pearls! “You’ve shown us how to start a budget and you’ve shown us how to save crazy amounts of money with meal planning. But can you please show us how to stop shopping for things we really don’t need? How do we stop the urge to shop?”
That’s exactly what I’m going to help you with today!
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.
Without fail, every single time I do a grocery haul I get the question, “Why don’t you shop at Walmart?” Today is the day! Today is the day that I explain myself and share with you the Walmart vs. Target showdown!
Some people might “get lucky” or be blessed with an insanely wealthy inheritance. As for the remainder of us average Janes, it is vital that we get this finance thing figured out. Our family’s future literally depends on it!
Tough love alert!
Once you allow yourself to get over the pity party and perform a self-diagnosis of what negative money mentalities are holding you back, that is the moment you direct your family on to the course working towards an insanely exciting future.