Here, I am listing non-essentials expenses that didn’t make our cut:-streaming services – Disney Plus, Netflix, AMC+, Hulu-eating at a restaurants-cleaning supplies (I buy an overabundant)-buying new clothes for me-buying project/craft supplies (although, I...
First to go were our streaming services. I don’t really watch television unless it is The Weather Channel. Yes, I am inching closer to that older adult stage. I canceled a couple but gained...
Lastly, subtracting all the categories from your income will give you what you can use for all other monthly items. For us, those items include groceries, medications for Leland that Medicaid does not pay...
It’s coming. The moment when you realize you have that unexpected bill. That’s where the emergency fund comes in. Dave Ramsey has 7 baby steps, and the first is building your emergency fund. He...
After filling out sections in the spending summary, you will see an overall view of what you need for your bills and what you can trim away. Scary as that may seem, it is...
The second picture is my spending summary. It is the layout I used to categorize and keep it simple at the beginning of my book. No frills or thrills here. Of course, tailor to...
The first step to saving is simply laying the foundation. This is mine. As you can see, it is VERY plain Jane. Now, you can order templates, pretty bookkeeping journals, or use what you...
With our finances changing, things will need to change in our household. I have been assessing our budget and trimming where I can. We are not destitute, but we need to do things differently....
