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Funding Cloud Nine

Conquer Your Finances. Live Your Dream Life.

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  • Paying off Debt
    • Tips to Ditch Debt
    • Debt Snowball
    • Understanding Debt
    • Debt Ramblings
  • Budgeting
    • How to Start A Budget
    • Cash Envelope System
    • Budgeting Tips
    • Living on a Budget
  • Frugal Living
    • Saving Money
    • Making Money
  • Mastering Money
    • Money Lists
    • Bullet Journal Money Spreads
    • Retirement
    • Money and Love
This is the perfect resource to learn how to budget for beginners! Budgeting can be easy with these simple step-by-step instructions. Grab the free monthly budget printables to get you started on the right foot!
Here is a list of things people in debt do NOT want to hear. Living with debt is stressful enough; be the kind voice.
Check out this simple guide to meal planning on a budget. Start saving money on groceries, saving time, and eating healthy with these free meal planning printables.
Learn how to create a spending log in your bullet journal and get some inspiration from my bujo spread!
Frugal living can help you reach your financial goals faster. Keep reading for an introduction to frugality with some of the top frugal living tips.

Frugal Living: A Beginner’s Guide with Practical Frugal Living Tips

By Liv

This post may contain affiliate links. Please read my disclosure policy here.

I cringe at the word cheap. I have almost the same reaction when I hear penny-pinching and stingy. I never wanted to be associated with any of those words. But…I was broke…and in debt (like, a lot of debt). I needed to save money. I needed to fix my spending habits … 

[Continue reading] Frugal Living: A Beginner’s Guide with Practical Frugal Living Tips

Frugal Living

Wondering if you should get or keep your credit cards? Worried about credit card debt? See if you have any of these signs that indicate you probably shouldn't be using credit cards.

8 Signs Your Probably Shouldn’t Use Credit Cards (At Least Not Right Now)

By Liv

This post may contain affiliate links. Please read my disclosure policy here.

Credit cards look like an innocent piece of plastic with endless possibilities to buy the life of your dreams. But credit cards, oh credit cards…they can be dangerous. And they can scary. And they can be evil if left in the wrong unassuming hands. 

[Continue reading] 8 Signs Your Probably Shouldn’t Use Credit Cards (At Least Not Right Now)

Understanding Debt

Want to start saving money like a pro? Boost your savings by adopting these twelve habits of successful savers.

12 Financial Habits for Becoming Successful at Saving Money

By Liv

This post may contain affiliate links. Please read my disclosure policy here.

When deciding it’s time to start saving money people begin searching for different ways to make this happen. Some start looking for that magic ticket that’s supposed to lead them straight to wealth and happiness. Others realize it’s a good time to start eliminating waste, debt, and unnecessary items. While everyone’s journey to “success” is … 

[Continue reading] 12 Financial Habits for Becoming Successful at Saving Money

Saving Money

Cash envelope wallets can help you stay organized and in style while you better manage your money. The cash envelope system can help you stay in budget, save more money, or pay off debt.

10 Stylish Cash Envelope Wallets to Help You Control Your Spending

By Liv

This post may contain affiliate links. Please read my disclosure policy here.

The cash envelope system can help you stay in budget, save more money, or pay off debt. I have compiled a list of some of the best, most-gushed about cash envelope wallets. Many of these wallets you can buy on Amazon, while some are custom made on Etsy. 

[Continue reading] 10 Stylish Cash Envelope Wallets to Help You Control Your Spending

Cash Envelope System

These cheap and free DIY cash envelope systems can help you stick to your budget without spending a lot of money. Get started today with these easy envelope system organizers.

Free and Cheap DIY Cash Envelope Systems

By Liv

This post may contain affiliate links. Please read my disclosure policy here.

These cheap and free DIY cash envelope systems can help you stick to your budget without spending a lot of money. Get started today with these easy envelope system organizers. 

[Continue reading] Free and Cheap DIY Cash Envelope Systems

Cash Envelope System

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Welcome, I'm Liv!

Wife. Engineer. Blogger.
Passionate about personal finance.
Your cheerleader for paying off debt.
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