How to Budget

Dave Ramsey’s Baby Step 1 | Save $1000

Dave Ramsey’s Baby Step 1 | Save $1000

Dave Ramsey’s baby Step 1 is to save $1,000, for your starter emergency fund. When we first started baby step 1 of Dave Ramsey’s 7 baby steps, we kind of brushed over this important little step! We were much more concerned about tackling our debt […]

Budget Categories You’re Probably Forgetting!

Budget Categories You’re Probably Forgetting!

It happens almost every month. Hubby and I have our budget meeting and we think every dollar is accounted for. Then, about half way through the month BAM…seven birthday party invitations from the kiddo’s daycare. Okay, maybe not actually seven, BUT it’s always something…am i […]

How to Calculate Debt to Income Ratio

How to Calculate Debt to Income Ratio

Do you know how to calculate debt to income ratio? You will usually need to know how to calculate debt to income ratio when you are applying for credit of any kind. This is especially important if you are ready to buy your first home. […]

Most Common Financial Mistakes (that keep you in DEBT)

Most Common Financial Mistakes (that keep you in DEBT)

Are you making any of these common financial mistakes? Debt is completely normal.  It’s become something that our culture accepts, and is even considered a “good thing” to build credit. However, debt is actually a thief.  Over time, having a lot of debt steals your […]

How to Cut Down Expenses on the Family Budget

How to Cut Down Expenses on the Family Budget

We have cut down over $8,000 OF EXPENSES OVER THE LAST SIX MONTHS! It’s almost unbelievable. What were we even doing?! Once we started cutting down little expenses, it became easier to find more ways to cut and save in the budget. Related: How to […]

Budgeting for Married Couples: How to Have a Budget Meeting with Your Spouse

Budgeting for Married Couples: How to Have a Budget Meeting with Your Spouse

Do you have a monthly budget meeting with your spouse? If you’re anything like  me, it might have never even occurred to you! Up until recently, I handled all of the monthly budgeting, financial planning, and bill paying completely on my own. My husband trusted […]

How to Make a Budget for Beginners

How to Make a Budget for Beginners

Download the Complete Budget Toolkit for FREE, and get your budget under control with some seriously cute printables!  Sign up here! My number one financial goal for our family is to pay off our six figure student loan debt.  Yikes. It sounds daunting when you […]

How to Have a Debt Free Christmas

How to Have a Debt Free Christmas

Do you wish there was a sure fire way to celebrate a debt free Christmas each year? The holidays can be a struggle, even for the best savers. There is so much temptation, advertisements everywhere, and puppy dog eyes from the kids, making the word […]

Simple Tips for a Personal Budget That Works!

Simple Tips for a Personal Budget That Works!

Are you looking for a few simple tips for a personal budget that works? Creating a personal budget does not have to be difficult, and can actually be fun and very rewarding! If you aren’t sure how to make a personal budget, or can’t seem […]

Dave Ramsey Baby Steps for Six Figure Debt

Dave Ramsey Baby Steps for Six Figure Debt

CLICK to DOWNLOAD your FREE PRINTABLES! Are Dave Ramsey’s Baby Steps the Right Financial Plan for Six Figure Debt? The Dave Ramsey plan is not for me. I make a large income. I can afford a car payment, a nice house, and I totally deserve […]