As our family grew and my husband began working two and three jobs to support our family, we realized we were in need of intervention to fix our financial state. We began to adhere to a budget in which we organized envelopes for bills, gas and tithe. Additionally, we had an envelope for extras/misc. This system worked well for a while...until we began borrowing from certain envelopes for our extras fund. We still battle with the temptation to spend outside of our means, especially when we receive financial stipends such as student financial aid as college students and our tax refund. This year we didn't blow the tax refund on frivolous things (at least not too many!), and we were able to bless members of our family with much needed items from a new stove to a washer to a new mattress. I read an article @RooMag.com about one of their giveaway items: a book called "The Money Saving Mom's Budget" by Crystal Paine. In her book she gives practical ideas of how to:
- set big goals and break them down into bite-sized pieces.
- prioritize your time and life in order to live intentionally.
- streamline your home and life in order to have breathing room to work toward your financial goals.
- go from no budget at all to a full-fledged, realistic, written budget by following a simple three-step plan.
- make a cash envelope system work for you.
- cut your grocery bill in half (including 25 ways to save money without using coupons!).
- save big on restaurants, travel, clothing, utility bills, prescription glasses, gym memberships, and much more.
- And cultivate contentment, embrace today, and live a rich and full life, no matter your income.
For more information on RooMag, visit: www.roomag.com. For more information about Crystal Paine and her words of wisdom regarding budgeting, visit: www.moneysavingmom.com.