Household vs Money & My Story of Both

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Our Household vs Money

household vs moneyIs it your household vs money or do you have everything under control? How can I get paid on Monday and be broke by Wednesday? Do you want to buy mtn shares but have no leftover money to do so? I work a full time job so where is the money going? I knew that I was not a millionaire but dang, I should be able to pay my bills and have a little money left over. I needed to get control of my family’s finances and I needed to do it quick. We were digging ourselves into a hole and borrowing money to fill it up and then doing it all over again. Although Bridging Loans and other methods of lending had served me well in tough times, I wanted to become financially stable. This was not how we wanted to live our lives anymore.

I signed up for a budgeting webinar a site was offering because I was curious to see what a budget was all about and what else did I have to lose. At least it was free and you got free spreadsheets! After the webinar I thought to myself, this is exactly what my family needed. A good old fashioned, dry, boring budget, but you know how that goes. A few weeks after attending the webinar I still hadn’t created our budget and we were still robbing Peter to pay Paul, but this time we had really ticked Peter off. I remember posting a status about how I couldn’t do a budget because my fiancé wouldn’t cooperate and blah blah blah. The response I got was that I basically needed to suck it up and do the budget now. And that’s exactly what I did. I have been using a budget every month since that day forward.

Household vs Money vs BUDGETING

We use our budget to put our finances in a choke hold and ask “who’s your daddy.” Our budget allows us to control our money, see where it is going, and make every dollar count. We no longer let our money control what we can and cannot do or buy. Every month we sit down with our spreadsheets and start a new budget. We put all our income at the top of the spreadsheet and disburse the money to bills and household expenses. Anything left over after all bills are paid goes to paying down our debt. When we completed our first budget, and saw how much money we should have left over after everything had gotten paid, we were amazed. A simple budget allowed us to see where we were overspending and gave us hope that we could turn our finances around for the better. It even allowed us to open our minds to all of the other routes that were available to us when it came to our finances. Whilst we want to make sure that we continue with the utmost caution, it never hurts to see how investments in ETFs, for example, can help us to make some more money in the long run, especially with this Sparplan Rechner für ETFs on hand to help (Savings plan calculator for ETFs). But until we know for definite that we have enough money in our budget to do so, investing could be put on hold… for now. Money tends to disappear when it is not managed and our budget proved that to be true. When we realized how much we were spending on eating out, we almost died. We were spending almost $10 a piece on lunch break, 5 days a week. That is $100 a week or $400 a month! I can’t believe we were spending that much on hamburgers and fries.

A Budget is for You; Trust Me

Most people think that budgets are for nerdy math professors, but I am far from it and when it comes to my household vs money, it’s a must. It has allowed my family to do things without the worry that something might not get paid. My daughter can take dance classes 2 days a week and that is because it is budgeted in every month. Christmas is no longer dreaded. With 4 kids it can get expensive, but we save money for Christmas all year because we have a line in our budget for it. If you don’t already have a budget, sit down and create one. You will be amazed at what you can do with your money after you get it under control. Put your wrestling tights on and lay the smack down on your finances. Everybody loves a good fight!


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  1. So I started a budget for 2013, so that by 2015 we have our debt paid off. I saw something on here that i have a question about. Seeing as we dont have money in savings or any cushion, should the extra money each paycheck (about $250) be put that aside to cushion us incase of an emergency or pay off the debt first? …just wondering how you all did it.

    • Dave Ramsey’s model says that your first priority with that $ is to build a $1,000 emergency fund (that ONLY gets touched for an emergency. After that, attack your debt. Happy budgeting!

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