And it ends with… UDGET.


The dreaded Budget. Sigh. No one likes that word.

For me, it’s something that I KNOW helps me keep my focus and makes the WORLD of difference… but it still sucks. {Can I get an AMEN}

Creating a budget is the FIRST step to getting control over your finances.

And EVERYONE will do it a little differently.

We decided years ago that I will be in the one who pays the bills, balances the checkbook, etc. My husband is not much for the tiny details. He’s more like “i’ll keep a mental list of what I’ve paid and round up/down and there ya go.” I don’t work that way. Early on there were some careless mistakes [which I have made PLENTY myself] that cost us an overdraft fee, or a late fee due to not having a written plan.

Paper versus online

I like the written word. I’ve been told about some amazing online budgeting tools that will help keep everything in order, but at the end of the day I want my notebook paper in my binder telling me what bills are due. That’s just how I like it. *To each their own.*

Write down your income {NET}

Write down every bill you have and the date it is due

Write down how it is paid {mail a check, pay online, auto-drafted}

Then from there is when you go to town.

How much is left? Do you spend what’s left? Saved what is left? Cash out what is left?

Up to YOU!

Just because we do cash doesn’t mean that you should. We tried several things and even discussed having a pre-paid card for each of us so that we were using the same principal but not actually carrying cash. We opted for cash only but you do what is best for YOU!

This is a long process. It took us a few years of sticking to our budget to really be in a place where we wanted to go further and do more. I’d give anything to have started this process years ago so that’s probably the one piece of advice I would offer up. If you are wanting to make a difference in your financial life and do MORE than just work to pay bills… don’t wait to get started. Start TODAY! In some capacity, with one tiny little step… start NOW!