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HOW I CHANGED MY SPENDING HABITS FOR GOOD!
I wish you had a budget checklist that matches the weekly cleaning schedule. I love the bubble style checklist and blank customizable spaces.
You are so amazing!! Thank you for all you do
Hi Steph, I just started to do this before I watched this video. I only went back 2 months but after watching this I will go back a few more months. Thanks!
Steph, I have to confess that money management and numbers in general are NOT in my wheelhouse. As I listened to you explain you budget and track your spending I just had to giggle to myself. You are so authentic and you are living your truth…your faithful fan club can learn so much from your pragmatic ideas/methods. I feel blessed to sit in your circle, even though we live in different nations. I'm relying on a much younger generation to teach this old dog new tricks. Thanks so much for making/being such a positive contribution to the world. Please consider yourself hugged…now you can go love on your adorable children. Thanks again!
Good idea! I'm going to do it tomorrow.
Hi Steph! Back when I did this, my biggest column was 'walmart'. LOL I don't use a debit card. I use checks, my one credit card and my paypal. I've always been really strict about spending but honestly, it's really easy to pull out the Discover.
Since going back through everything, I have gone the cash envelope system and sinking funds. So nice not to even cart the checkbook with me! We do a lot of supplements (vitamins) so my next goal is to see what we spend on a 3-month supply and set that up as a sinking fund then purchasing the 3-month supply at one time.
Thanks for sharing .. Enjoy the Journe!
What's wrong with using a debt card
On my credit card online it breaks these down already into categories
You should try the YNAB system. I have too many good things to say about YNAB that I don't know where to start. They teach you how to have fun budgeting. They teach you how to budget as a couple. There is an app so you can record transactions as they happen, which helps keep track of cash. There is a cost, but I think it's well worth it. I think there is a free trial
I used this same strategy to make a budget for work!
Mint is an app/website that does this for you automatically. I have been using it for years and it has been a huge help for watching my saving, spending, income and debts over time. You link your online accounts up (bank, credit cards, car payment).
Mint (it's the free version of Quickbooks) is a good app that will track your spending as well, you link it to online accounts (like banks and credit cards) and it will pull the history in for you. It does take a bit of finagling to get items into the right categories. It's a good option if someone is overwhelmed by the stacks of paper in the file cabinet.
I thought Reverse budgeting is a trickle-down concept in which your save first and spend what's left. Tracking your past expenditures is not budget that just so you can prepare for future budget?
Video requests- House tour. Home diy projects. Winter kid activity ideas. Nursery ideas. Toy organization.
I used to keep a detailed journal of my spending about 2 years ago. Then I slipped away slowly. I want to start over now but am continually putting it off. You have motivated me to pick that journal back up. Thanks.
It's a good idea to start with looking at how you have been spending your money in the past to learn for the future.
I try to teach my kids about spending and budgeting to set them up for success later on in life. I had no understanding about life's expenses growing up so it was quite a shock when I had my first apartment and the bills started rolling in! My kids have always known how much I make and how much it costs for gas, electricity, internet service, etc. I think it's important that they understand early on that there's a finite amount of money coming in and how much of that goes towards keeping the lights on and their favorite meals on the table.
One thing you might find helpful when your little one's are old enough to understand dollar values and how it relates to shopping –
When my kids had money of their own to spend and they would be trying to decide whether or not to buy a particular toy, (but I could tell they didn't really like it and just wanted to get SOMETHING) I would hold the toy in one hand and the money it would cost in the other. Then I would ask them, "which would you rather have? " If they chose the money, then the toy wasn't worth it. They would then wait until they found something they truly liked or save up for something really cool.
I'm still working on my youngest, but my older two are very good about saving up for the things they want most. You can't start them too early!
This is what we do too. It works great
Hi Steph. I just wanted to say thanks for making these awesome videos. I've never had any kind of order to my house or life before until I found you and Dianne who introduced me to FlyLady. Everyone in my house is happier and less chaotic since we've implemented the system. So thanks for inspiring me and so many others.
Monday. WHB done Sunday, Zone 3 done over the weekend. Calls and errand this afternoon.
I have an account for paying the mortgage, insurance, cars, house amenities and daughter school. Groceries and house cleaners are payed with a credit card that gets payed at the end of the month in that account. We set aside in another account 10to 20% for savings and future projects. So every month my husband and I , after transferring the amount needed for the house account we spend gas, clothes and restaurant from our own accounts: my husband spends on coffe and cigarettes and as I don’t smoke anymore, I get my hair and nails done! 😉