It’s really easy to use the Erin Condren Perpetual Calendar as a spending log. And it will do wonders for your finances whether you are trying to start a budget, get out of debt, or figure out where the heck all your money is going! The Erin Condren Perpetual Calendar is a cute mini notebook with one line for each day of the year. Each month has a …
Spending Logs: A Complete Guide with a Free Printable
When I was in six figures of student loan debt, I was desperate to try anything that would help me get out of debt faster. I wanted that magic potion. Since I love Dave Ramsey, I tried the envelope system which is essentially a cash-only diet. I tried so hard to make the cash envelope system work, but it backfired, badly. My wallet was a mess …
What You Need To Do Before You Start a Budget
Have you been thinking about starting a budget? It can be pretty overwhelming because it’s something we never learn how to do in school. Also, if you are anything like me, you’ve failed at budgeting many times before. You may feel like there is no point in trying to budget yet again. Well, that’s wrong! Budgeting can be …
8 Free Budget Spreadsheets That Will Upgrade your Finances Today
Are you spreadsheet illiterate? Or worse….are you a spreadsheet fanatic? Do you pray at the altar of your budget or are you the type that can’t-keep-a-budget-to-save-your-life? Whichever way you roll, you’ll find a budget spreadsheet (excel template) that works for you in the list below! The list starts with …
The First 10 Things to Cut from your Budget
Have you been overspending? Are you trying to save for a big purchase, or trying to pay down those debts quicker? Here is a list of the first ten things I think you should cut from your budget to reduce your monthly expenses …