Anyways, today I'm going to tell you about how we're so rich, we don't even have to worry about a budget or saving money.
Let's be honest....
We live like most other Americans out there, paycheck to paycheck. Right now, we're working on paying down debt and attempting to save while doing it. BORING and NO FUN, right?!?! :)
I'd love to spend my whole paycheck every week at Target, but we all know that won't get me anywhere but a street corner with a cardboard sign begging for money....so budgeting it is!!!
We started using an envelope budgeting system, which really helps! And, we also follow the Debt Snowball Plan made popular by Dave Ramsey. Both great systems and procedures to get used to using. Both are strict, but prove to show great results!
As for the actual budgeting, monthly budgets just don't work for me. We have bills due at random times throughout the entire month. I need to know exactly where each of our paychecks is going and when it needs to go there. So, I decided I needed to make a form that would work for US!
I get paid weekly and Charlie gets paid bi-weekly, so there's several sections on this form. I made it front and back so that I could still keep everything on one sheet of paper.
Just right click and save each of the pictures or If you want the file sent to you in an editable document so you can make your own adjustments, just let me know!
Hope this helps you guys like it has me! I'm making some debt pay-down forms right now too, so as soon as they're done I'll post that for you also!
What budgeting method works best for you? Do you have a plan that is easy to stick to? I'd love to hear your thoughts and tips!!!
Thanks so much for stopping by! Make sure you're following along!
Semi Homemade Mom
Love of Family & Home
Crafty, Scrappy, Happy