Ready to END the paycheck to paycheck cycle? Grab the FREE monthly budget template to finally take control of your money!
We can all agree that all we really want in life is to become financially stable (…and maybe some chocolate cake ..). Even though each one of us may have different financial goals, financial stability should be everybody’s aim.
Living paycheck to paycheck sucks. But how do you get out of that rut?
In this post you’re going to learn:
+ 8 steps you need to become financially stable
+ how to stop living paycheck to paycheck
+ how to feel confident with your money
Why even try to become financially stable?
Some of the things on this list may be ones that some people aren’t willing to do. Because unfortunately, becoming financially stable does take a little bit of effort.
So what do you get out of it if you put in the effort?
For us, becoming financially stable has meant that we:
How to Prepare for a Baby Financially Without Going Broke
Who else found out they were having a baby and immediately saw dollar signs flash before their eyes?! (Yes, my hand is raised!)
Or, after the initial excitement you realized how expensive baby stuff really is – and on top of that you have to take maternity leave.
If you weren’t quite (or AT ALL) prepared for a baby financially then this is the post you NEED to study.
I’m going to give you the basic steps to prepare for a baby financially even if you’re already pregnant.
What you’ll get out of this post:
- 5 need-to-do steps after finding out you’re pregnant
- A complete baby budget
- Peace of mind before baby comes
My experience:
To say that I was terrified to find out I was pregnant would be an understatement.
I bawled my eyes out for two full days after seeing those positive tests (I took 3 just to be sure!) I didn’t feel like we were ready, I wasn’t ready myself but most importantly I was scared
How to Manage your Finances during the Coronavirus (COVID-19) and other Emergencies
Ready to END the paycheck to paycheck cycle? Grab the FREE monthly budget template to finally take control of your money!
When this whole coronavirus (COVID-19) stuff started going around I was like a lot of the nation thinking it would pass in a couple days and that the whole thing was being blown out of proportion.
I was also silently laughing at everyone stalking up on toilet paper and water bottles all of a sudden (something we regularly have to keep a stock of because I ALWAYS forget to buy toilet paper until it’s too late).
Then the major happened. States of Emergency were being declared, quarantines were starting and here in little old Utah, all schools are cancelled for the next 2 weeks.
That’s when I knew this was about to get real, real fast. And we needed to get our finances in check real quick for what’s to come.
Here’s our 5 step process for preparing for any
The Complete 2020 Budget Binder you Need to get Organized
Can anyone else believe that it’s already 2020?!
If it’s been one of your goals for a looooong while to finally start budgeting, then this is your chance. This is YOUR year. 2020 is starting a new decade and it’s exciting to think of all the possibilities this new decade has in store for you.
I wanted to give you a full look of our 2020 budget binder so you can set yourself up for success not just this year, but the coming years.
IN THIS POST YOU’LL LEARN:
– Why we started budgeting and how it has helped us
– How to set up your 2020 Budget Planner and the exact sections and templates you need to have in your planner
– Where to get templates for your own budget planner
Our story: How a budget changes our lives
About 5 years ago my husband and I found ourselves scraping the barrel of our checking account, living paycheck to paycheck.
Looking back at how poor we
What is a Sinking Fund & How will it Fix my Budget?
Grab the FREE budget template for sinking funds to finally stop living paycheck to paycheck!
You’ve probably heard the term ‘Sinking Funds’ but are wondering just WHAT IS a sinking fund?
And (most importantly) how do you use sinking funds to improve your budget and even save money?
Lucky for you, that’s exactly what I’ll be going over in this post and complete guide to teach you all about what is a sinking fund and how you can use it to 10X your savings!
What you can expect from this guide:
+ What is a sinking fund
+ How to start using sinking funds immediately
+ What type of sinking funds you should have in your budget
+ How much to save for each sinking fund
+ Where you should keep your sinking funds
+ FREE printable sinking funds tracker!
Sometimes in life these unplanned, little emergencies come up.
Like those times when your water heater goes out on
The 7 Best Money Tips that’ll Change your Life
Have you ever just thought … “What are the top 7 money tips I could do today that would completely change my life?”
Maybe you just want the best of the best money saving tips.
Okay … you’ve definitely wondered what you could do to finally level up your finances, stop feeling stressed and actually GET AHEAD with your money.
That’s exactly what we’re talking about today, and I’m sooooo excited to tell you the top 7 money tips that’ll totally changed our life and I know will change yours too!
If you’re ready to make drastic changes with your finances, then get ready for the best money saving tips below!
Tip 1 – Read ‘The Total Money Makeover’
Before I go further, I just need to say that Dave Ramsey could very well be my spirit animal.
When my husband and I first got married, one of our gifts was The Total Money Makeover. I wasn’t super thrilled about getting
How to Budget your Money for Beginners in 5 Easy Steps
I used to not even know what a budget was, now I’m showing you the steps on how to budget your money for absolute beginners + get free budget printables! | how to budget your money | personal finance tips | budget your money | #budgetingtips #budget #personalfinance #financialfreedom
How to Budget in 30 Minutes (or less) Every Month
Let’s be honest, budgeting can suck.
And I have too much Netflix to watch laundry to do to spend hours trying to figure out how to budget.
I would feel like I was constantly trying to catch up on my budget each month. It took soooooooo long trying to figure out how to budget my money … and pay off debt …. and put money into savings …. and still make dinner.
So I’d get frustrated and eventually turn on Friends on Netflix and continue procrastinating until the next month.
BUT – the whole month I’d be stressed because I never knew if we had enough money to pay our bills … A never-ending, guilty, stressed-out cycle.
And it’s not just me that this happened to, I realized that it was happening to my co-workers, family, even the nosy neighbor.
In fact, only 41% of Americans are using a budget according to a study
7 Things no one told you about Buying your First Home
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Buying your first home is as tricky as having your first kid.
You have no idea what to expect and can only hope you have what it takes! The only thing you can do is try to prepare yourself to have the smoothest delivery buying experience as possible.
Here you’ll get the low-down on what you should know before buying your first home. If you check off all these boxes then your first home purchase will go easy breezy!
You don’t just get approved based on income
Before you even begin thinking of purchasing a home you need to make sure you’re even approved. My husband and I “knew” the amount we wanted to spend on a house and what we could afford. But, we didn’t realize the approval process was more than just what we wanted to spend!
There are multiple different factors that go into
4 Big Reasons you Should Consider Renting vs Buying
Buying a home is one of the greatest American dreams. Why going into 100’s of thousands of dollars into debt is everyone’s lifelong dream, I’ll never know … Just kidding, I do know. I was a part of that dream, obsessing over having my own home. I even told my husband that we weren’t going to have kids until we were in our own house. There was no reason why I thought renting vs buying your home would be the better option.
We were that couple that drove around on Sunday’s looking at neighborhoods. We even found our perfect neighborhood. On top of that, we saved up 20% of where we wanted our price range to be. Look at us being the go-getters! Nothing could prepare us for the nightmare that began.
We had some pretty low expectations when we first started looking for a house, we knew what we wanted and didn’t expect to find anything right away. I think our expectations were still a little too high because we were completely