Loading...

Follow My Stay At Home Adventures - From Working Mom.. on Feedspot

Continue with Google
Continue with Facebook
or

Valid

Wondering what to do this summer that won't break the bank? Looking for things to do this summer that won't bust the budget? Lucky for you we are talking about this topic today, huh?

Before you know it summer is here and because we are humans we make mistakes and such as not budgeting for the summer season. We want to enjoy our summer, but we don't want to break the bank either.

Looking for things to do this summer that won't bust the budget might not be as hard as you might think.

Looking for things to do when you are trying to save money and trying to reduce your debt can be challenging.

The thought of taking a nice family vacation and spare no expense might be tempting the reality is that your finances might be telling you otherwise.

It took time for us to decide that we needed a summer budget after we had our children. The truth is that during the summertime kids are home, and bills tend to go up if you are not careful.

Once we decided to give a summer budget a try, it is evident to us that having a summer budget worked and since then on making sure we are financially stable during the summer is a top priority.

Related posts:

Don't get so down worrying about money that your summer is not fun nor memorable.

Our personal finances can do that to us, and the reality is that many people do let their financial situation spoil what fun they could have for themselves and their family during the summer months.

You don't need to spend money or go broke to make summer memories with your family and friends.

The good news is that you can have a fun and memorable summer without wasting money and using your creativity. You will find things to do this summer that won't affect you financially.

As I said earlier, it is so tempting to go all the way and forget about our finances and simply take that dream family vacation, but please don't. It was this mentality that got you and many others, including yours truly, into a financial mess.

By doing this it only alleviates your stress by giving you temporary happiness, but the minute you come home and reality sets in you will be stressing and paying for your dream vacation for quite some time.

There are many things to do this summer, and again, it is up to you how you want to make the best out of it. Remember you have worked hard and you have been looking for a nice time off.

You also want to be very careful with the way you spend your money and not overspend this summer at all.

Before you start looking for things to do this summer that won't bust your budget, start by doing these things first:

When you complete the above list, start executing and start looking for less expensive and free ideas that won’t break your budget this summer.

What to Do This Summer

There are many things you and your family can do this summer that are free, won’t cost a lot or will make you money.

Yes, make you money!

Let’s begin!

Visit a nearby national park

Enjoy the outdoors and spend time near a national park!

Camp in your backyard

Your kids will love you! Seriously! Turn your backyard into a camping site with tents, sleeping backs and all. Hike around the neighborhood, play games, and eat camping food.

Have a picnic

Get together and have a picnic with family and friends.

Visit a local event

We have our community strawberry festival this summer. Check out the newspaper or online for local events you can attend.

Visit a local museum

Check your local museum for events and kids friendly events.

Related article:

Visit your local zoo

You don’t have to visit a big zoo, search online for a small zoo if necessary or a local petting zoo.

I love them, so I added this.

Visit your local community pool

If you don’t have a pool, visit your local community pool and have fun.

Volunteer

Yes, volunteering won’t cost you a dime, and the great thing about it is that is so rewarding.  What can you do to help others?

  • Mow your neighbor’s lawn
  • Help a family or friend in need of yard work
  • Cook dinner for those who are in need

The list of helping other people is long, and I am sure you get the idea.

OK, one more tips

Raid Your Home

When was the last time you been up to your attic, basement, and garage? How long has it been since you have gone through your stuff?

I’m pretty sure that you are not looking forward to “working” on organizing, but here’s the thing is that chances are you and your family are going to find things you have forgotten about.

Chances are you are going to find items that you can use again or sell.

How is organizing my home a great thing to do this summer? You might: Discover Old Memories

Old photos might need organizing, friend. You can even place them into cool albums and even make it a fun art and craft day!

Find Lost Treasures

Chances are you might discover an item or items that are worth a lot of money, something you might have lost, because hey, is when we are not looking for something that they turn out.

And you might even find an item that makes you happy and could really use.

Make Money

A great thing to do this summer is to make money. Who doesn’t love that idea! Raiding your attic, basement, or garage might make you money.

Get rid of items you and your family no longer need and sell them on:

  • Craglist
  • eBay
  • Facebook Marketplace
  • Yard sale or Garage sale

Seriously a fun thing to do this summer the family is going to love, making money!

Enjoy Togetherness

Make this activity fun with your family.  Dig through boxes, put on clothes and look at photos and other memories together.

I’m pretty sure you kids are going to love your stories as they look thought boxes.

As you can see raiding your home find lost treasures and to discover old memories can be fun and not only is it free to do it, you may even end up making money off the deal if you choose to sell some of the treasures you find.

After all, if you’re not using it and it’s been up there collecting dust for a long time, you may as well sell it. Use the cash you make to do something fun with your family.

Whether that involves going to the local miniature golf course or being able to take the family on a bigger vacation, you won’t know until you go on the hunt in your attic for everything you forgot.

Conclusion

If you are looking for things to do this summer, then these 9 things to do this summer that won't break your budget are it! This summer you and your family can find many things to do all you have to do is be creative and frugal about it.

Your turn: When it comes to things to do this summer what are your favorite things to do that won't break the budget? Share it with us.

The post 9 Things to Do This Summer That Won’t Bust the Budget appeared first on My Stay At Home Adventures.

Read Full Article
  • Show original
  • .
  • Share
  • .
  • Favorite
  • .
  • Email
  • .
  • Add Tags 

Stay or Go? How to Decide Whether to Remodel or to Move Homes

It was our first-ever home purchase; it was the house we brought both of our babies home to, and it was the house we worked tirelessly to fix up.

But, when we woke up after eight years of home ownership, with two fast-growing young kids, we realized that our precious property didn’t exactly suit our lifestyle anymore.

We suddenly had an impossibly difficult decision to make: Should we try to remodel our home to suit our needs, or should we move?

There are dozens of reasons you might outgrow your home and want to leave — but there are likely dozens of reasons keeping you interested in your current property.

Stay or Go? How to Decide Whether to Remodel or to Move

To help you grapple with the tough decision ahead — and to help you save as much money as possible in this transition — take advantage of the following considerations:

Go?

Moving is hard even when you are certain that a move is necessary. You have to pack up everything in your home — which always takes way more time, energy and money than you expect — and you have to get it to your new property — which also takes more time, energy and money than you expect.

Thus, most people try to avoid moving as much as they can.

However, there are a few good reasons you might want to move if your current home no longer fits:

You Have Special Requirements That Make Remodeling Extensive

It’s easy enough to turn a spacious three-bedroom home into a four-bedroom home, but if your requirements are more specific than that, you might need to look for another property.

For instance, if stairs are no longer an acceptable feature of your home, you shouldn’t try to remodel your two-story home into a ranch-style — you should just move.

Similarly, if you want your home to have a split floorplan but it doesn’t, the renovations would simply be too extensive to make them worthwhile.

Before you make your decision, you should make a list of all mandatory changes you would need to make to your home to see if they would be overly disruptive and excessively costly.

You might contact a contractor in your area to get quotes on certain complex projects.

A budget and a remodeling schedule will keep you on track financially and ensure you have all your home requires ASAP.

You Have the Financial Resources

Not everyone can afford to move houses. Before you consider this option, you should use online tools like Zillow or Redfin to find homes in your ideal area with the features you desire.

This will give you an idea of the cost of your prospective property, such as down payment, mortgage payments and other home-buying expenses.

You should also calculate the costs associated with moving, which might include fixing up your current house. We contacted Baltimore moving companies for quotes to ensure that we could afford professional services to make the move easier.

If you come up with an overall cost that is within your budget, you might as well make moving a go.

Related posts:

Stay?

As difficult as moving is, remodeling can be even worse. In fact, if renovations are significant enough, you might have to move out for a period of time anyway.

Unless you have extensive DIY and handy skills, you will have to pay contractors to do most of the work, which can be a bank-account-draining endeavor. Still, there are a few good reasons to stay put and update, to include:

You Are Emotionally Devoted to Your Current Home

Most people become emotionally attached to properties they own, but you might have particularly close feelings to your home.

For instance, if you inherited and moved into your childhood home, you might be tempted to hold onto that property for sentimental reasons.

While you shouldn’t allow your emotions to rule your life, you also shouldn’t carelessly dispose of something that means a great deal.

You Appreciate Your Community/Location

The nature of real estate is location; you can’t move properties without leaving where you were and establishing yourself someplace else.

Thus, if you highly value your current location or your existing community, you might think twice about packing up and relocating.

Unless you can find a home with all your requirements at the right price point in your current neighborhood, you will need to remodel your home to continue enjoying the area in which you live.

You’ll Earn Back Your Remodeling Costs

It’s possible to over-improve a property. To generate the value of your home, real estate agents and appraisers look at similar homes in your neighborhood, called “comparable properties” or “comps.”

While some homes are worth more than others thanks to valuable amenities, it’s uncommon for a home in a neighborhood to be worth significantly more than its comps, even if it is jam-packed with expensive upgrades.

Thus, you should consider what changes you want to make to your property. You should be careful to avoid putting more money into your house than you will get back, which means you might want to talk to a trustworthy real estate agent. If your remodeling efforts are relatively minor — but will give you the features you need — then you can commit to staying put.

Ultimately, my family decided to move — but yours might choose the opposite. The decision is a complex one that takes time, calculation and consideration. Weigh your options carefully, and you’ll make the right choice for your family — and you should save a whole heap of cash, too.

Bio: Tiffani is a leader in marketing authority, she prides herself in her ability to create and provide high-quality content that audiences find valuable.

She also enjoys connecting with other bloggers and collaborating for exclusive content in various niches. With many years of experience, Tiffani has found herself more passionate than ever to continue developing content and relationship across multiple platforms and audiences.

The post Stay or Go (When to Move When to Stay) appeared first on My Stay At Home Adventures.

Read Full Article
  • Show original
  • .
  • Share
  • .
  • Favorite
  • .
  • Email
  • .
  • Add Tags 
My Stay At Home Adventures - From Workin.. by Joyce @ My Stay At Home Adventures - 6d ago

How to bake pork chops or how to cook pork chops in the oven is something that many new cooks wonder.

The oven can make it easier to cook while doing other things, but if you’ve tried this before and ended up with dried out chops, you may be a bit discouraged.

The good news is it is actually easier to do than you might have thought.

How to Cook Pork Chops in the Oven

One of the reasons pork chops dry out in the oven is baking is a dry heat form of cooking. This is easily remedied by adding liquid to your baking vessel. You want to do this in a way that your pork doesn’t sit in the liquid.

This can be done by placing your chops which you can season with your favorite herbs and spices into a dish you form out of aluminum foil and then set into a baking dish.

Pour the liquid of your choice into the pan, careful not to get the liquid inside your pan made of aluminum foil.

Cover the outer pan in a layer of aluminum foil and bake at 400 degrees for 15 to 20 minutes, depending on thickness, or until the pork reaches an internal temperature of 145 degrees Fahrenheit.

Allow the meat to rest for five minutes once removed from the oven.

How to Cook Boneless Pork Chops

Cooking boneless pork chops can be done with the same method listed above.

Related Recipes:

You do need to remember that bone-in pork chops will naturally be juicier. Boneless will also cook faster, depending on thickness. Once you get the hang of it, try adding different liquids to the pan.

You can infuse delicious flavor into the meat by using apple juice, pineapple juice, or even orange soda.

How to Cook Baked Chops

If you don’t want to attempt the method above, you can also bake pork chops on a cookie sheet. Preheat the oven to 400 degrees and rub your pork chops with olive oil.

Season with your favorite seasoning blend. Bake 15 to 20 minutes or until your pork chops reach a temperature of 145 degrees Fahrenheit. Allow to rest for about five minutes before cutting.

It’s easy to bake pork chops once you get the hang of it. Once you get the hang of it, try seasoning your chops in different ways or using different liquids.

You can flavor your pork chops to match the season simply by using different spices, herbs, and liquids.

The post How to Bake Pork Chops appeared first on My Stay At Home Adventures.

Read Full Article
  • Show original
  • .
  • Share
  • .
  • Favorite
  • .
  • Email
  • .
  • Add Tags 

It’s that time of year again; time to come up with a way to show the special father in your life just how special he is to you and your children. In the beginning, it was easy; photos and handprints did the trick.

But now, his office wall may be running out of space and your kids may be tired of gifting the same thing each year.

What about making this year something different?

Where do you even start when looking for the perfect gift for the guy who has everything?

It all comes down to thinking outside of the box. Check out the quirky Father’s Day gift options below.

An Adventure

Sure, ballgame tickets and dinners out as a family are a great starting point. But, what about doing something more adventurous? Options for creating a family adventure for Father’s Day include:

  • A hike on a new trail or a weekend away camping – paired with the perfect accessory;
  • Zip-lining;
  • A hot air balloon ride;
  • Skydiving – if your children are adults this may be more appropriate; or
  • A race car driving experience.

The options are endless. Think about something you’ve never done that fits his interests and start there.

A New Gadget

Your husband, significant other or father might have all the basics covered. But, what about gifting something he doesn’t even know he’s looking for? Something that might not be “needed,” but will definitely be appreciated?

Think about tech gadgets that he’ll be able to use and show off from time to time. Retailer Brookstone specializes in gifts just like this. Some of their most popular options are:

Think of fun this year, and consider a gadget he’ll love, whether he knows it or not.

A Gift that Keeps Giving

Who says Father’s Day needs to be a once-a-year holiday? Why not go for something that gives back throughout the year, like a monthly gift club? When you sign him up for a subscription service, he’ll receive products he loves on a regular, recurring basis, generally at the frequency you select in the beginning.

Some of the hottest subscription clubs and boxes this year include:

  • Mantry – filled with “manly” foods like bacon spread, hot sauce, and jerky.
  • Birchbox Man – with monthly grooming and lifestyle products to meet any guy’s fancy.
  • SprezzaBox – which includes fashion accessories like ties, dress socks and more.
  • Car Repairs – for the car-loving dad, auto dealerships and repair houses actually offer gift cards that can be used for oil changes or even major repairs.
  • Beer of the Month Club – for monthly shipments from microbrews across the country and around the world.
  • Whiskey of the Month Club – for dads with more refined tastes in alcohol, complete with tasting notes and suggestions.
A Donation

Maybe the father in your life truly has everything he could want. Perhaps what’s most important to him is giving back to others.

You can facilitate this by making a donation in his name to a charity that means something on a personal level to him.

Still, want to provide an experience to match the donation? Consider entering him in a walk or race that benefits a good cause, or signing up to volunteer as a family at a local charity.

Conclusion

Sometimes the best gifts in life are those we give to others; if the man in your life feels that way, a donation may be the best option.

This is the year to pick something new. Handprint Christmas tree ornaments are wonderful and sentimental, but, you can go above and beyond by selecting from the options listed above. Make this Father’s Day something special by trying something new.

Anum Yoon is a personal finance writer who is dedicated to sharing her insights on money management with others. She believes that a greener, energy-efficient lifestyle is the key to living a more fulfilling life. When she’s not typing away on her keyboard, you can find her poring over a new recipe she found on Pinterest or at the power rack in her gym. Catch her on Twitter or sign up for her newsletter here to find out what she’s sharing!

The post The Quirky Father’s Day Gift Guide (Your Dad Is Going To Love) appeared first on My Stay At Home Adventures.

Read Full Article
  • Show original
  • .
  • Share
  • .
  • Favorite
  • .
  • Email
  • .
  • Add Tags 
My Stay At Home Adventures - From Workin.. by Joyce @ My Stay At Home Adventures - 1w ago

Let’s face it. When we were young, many of us didn’t particularly think of the steps we need to do to improve our finances. We were carefree people bound to make mistakes.

As we grew older, many of us realized one important thing, that is, we realized that we needed to have money goals and make changes so we could be in a better financial situation in the future.

Luckily, a lot of us have money goals in mind. Some would like to increase their net worth fast (i.e., become rich fast) in a few years, some would love to buy a house, and some want something else.

That said, a lot of us also don’t know what necessary financial adjustments should be made or how to make such changes. If you are one of these people, this is your lucky day.

This post will detail some of the small steps that can improve your finances.

10 Small Steps To Take Now to Improve Your Finances

If you are ready to see what these goals are, read on!

1. Create a Budget for Household Members to Follow

One of the best small steps to take as part of your money goals is to create a budget for members of the household to follow.

The truth is, if you want to make positive changes to your finances you always need to start with a budget. Period.

When you detail what income you receive each month and outline your monthly bills, you will know exactly what you need to get by and/ or know what to cut when money gets tight.

This is the ideal way to feel secure knowing that your necessary bills will get paid each month.

In addition, you can see how much money you will have left over once all of the bills are paid and decide how you will spend that money on behalf of the household.

Some of it might go to a night out or dinner at a restaurant while other portions can be set aside as savings in an emergency fund.

2. Get a Side Hustle Gig

If you really want to improve your finances and do so in a continual manner, consider getting a side hustle gig.

If you have free time, you can use that to get a gig or two to make additional money.

Side hustles are small jobs aside from your usual full-time and part-time jobs that can make you extra money online and offline.

You can fill out surveys, become an online tutor, or deliver food in your neighborhood.

These side hustles aren't overly time consuming and will help you to improve finances quickly and easily.

If time permits, you can even grab a few side hustle gigs and make some extra cash to use for bills or put away into a savings account.

Related posts:

3. Pay at Least the Minimum Payments on Your Debts

Another step to take is to pay the minimum payments on your debts and monthly bills.

When you pay the minimum payment, you know that you won't get charged a late fee or charged for underpaying the monthly bill.

It's better if you pay more than the monthly payments so you can pay off your debt fast. That said, if you are tight on money, be sure to pay at least the minimum each month.

Keep in mind that interest rates will often be a factor and the more you pay on your monthly bills the less time you will have for your interest to accrue.

4. Put Away a Small Amount Each Month Towards Savings

After you have outlined your budget and know how much you have to pay each month on bills, you'll know what you have left over as extra funds.

Take a small amount of that extra money and put it away for savings purposes. Better yet, before you pay your bills, save money first, and figure out what bills are to be paid using the leftover money.

When you put money in a savings account, you can rest easy knowing that you will have cash on hand should you need access to the funds in the case of an emergency.

The exact amount of money which you put away will depend on how much extra cash you have to spend.

Some people choose to put a large majority of the extra funds in savings while others find that putting half of the amount or a little bit less than that is ideal.

You'll know what you're able to set aside and how much you will need for other expenses.

5. Check Your Credit Score Periodically

Another way to take small steps to improve your finances and get you closer to your money goals is to check your credit score periodically.

You need to check if all the credit information is accurate. Report the inaccurate information as this may or will affect you negatively. You don’t want any incorrect information in your file as it may cause you a loan. Worse, you may be liable to pay the debt, loan, etc. even when it is not yours to begin with.

Your credit score provides companies and creditors with insight as to your overall financial wellbeing and dependability, which can also help the credit lenders determine if they should extend credit to you or not.

It is compiled as a result of a variety of factors such as current debt, accounts opened, borrowing activity, and more.

Since this is what can prevent you from getting a loan or, in the alternative, help you to do so, you should always know the current status of your credit score.

6. Review Your Credit Reports Occasionally

In keeping with the importance of your credit score, you should occasionally review your credit reports, too.

These are detailed reports relating to your closed and open accounts and whether the history of these items was favorable or not.

Credit reports are the best way to review your credit history and see if you are in good financial standing.

It's a way to keep an eye on your borrowing and credit history and determine if you are currently in a beneficial financial position.

8. Save for College

If you have kids, you should think about saving for college as part of your money goals.

You may not know at the moment if your children will be attending college, but in case they do, put money aside in a separate account to prepare for higher education in the future.

The cost of higher education is expensive and it gets more and more costly as the years progress.

A little bit of money put aside each week or each month will add up in time and you'll be thankful in the future that you took the time to do so.

9. Make Bill Payments Automatic

You can also take a money-saving step to improve your finances by making your monthly bill payments automatic.

By doing so, you are eliminating the risk of forgetting to make your monthly payment and know that the money will be taken out of your account on the same day each month.

This will ensure that your bills get paid and get paid on time.

Plus, it's really easy to set up automatic payments.

Once you do the initial setup, the payments will come out of your account each and every month.

You can sit back, relax, and not worry about paying the bills, as it will be done for you automatically. 

10. Open an IRA

An IRA is a retirement savings plan which will help you to save money for your retirement years from now.

You want to be sure that you're financially sound when the time comes to retire and opening an IRA and contributing to it will enable you to do so.

This provides a secure and successful way to save for the time when you decide to retire.

Having an IRA in place early on will help you to feel secure for your retirement years.

Final thoughts:

While a lot of people don’t think that a small step here and there won’t make any dent on your current financial situation, believe me when I say that even small tweaks in how you manage your finances can make a big difference.

Start with a small step and you’ll be more than happy down the road that you make such stride.

Which of these tips have you done? Do you believe that small steps can make a big difference in your finances?

Bio:

“Allan Liwanag is the blogger behind The Practical Saver. An analyst by day and dedicated blogger by night, he loves to share his thoughts – based on his research, personal knowledge, and experience – on topics related to family, life, and money.”

The post Improve Your Finances appeared first on My Stay At Home Adventures.

Read Full Article
  • Show original
  • .
  • Share
  • .
  • Favorite
  • .
  • Email
  • .
  • Add Tags 

This post is sponsored by Hidden Valley Ranch but the content and opinions expressed here are my own.

A delicious quick and delicious 4-ingredient chicken breast recipe from Hidden Valley Ranch you and your family are going to love.

Let’s begin!

We love this Ranch Hasselback Chicken Recipe and wanted to share with you how simple and quick this recipe is.

It has become a family favorite and a go-to chicken recipe you will add to your meal planning!

The secret to this Ranch Hassel Chicken Recipe is the Hidden Valley Ranch Seasoning Shaker and friends; I encourage you to try it.

How to make Ranch Hasselback Chicken Recipe What are the ingredients to make Ranch Hasselback Chicken?

To make Hasselback Chicken, you are going to need the following ingredients:

Now that you have all your ingredients, let’s prepare this Hassel back chicken with shedder cheese recipe.

Before you begin, please preheat the oven to 400F.

First using a knife cut vertical slits, about ¾ of the way down along the longest side of each chicken breasts.

Season the chicken breasts with Valley Ranch Seasoning Shaker

Transfer the chicken breast to a buttered baking dish.

In each slit, stuff deli ham followed by an equal distribution of cheddar cheese. Do this to all chicken breast.

Place the chicken into the oven and bake for 25 minutes until the chicken reaches an internal temperature of 165F.

Your Ranch Hasselback Chicken is ready to serve.

Now that you have learned how to make this simple recipe, it is time to print the recipe with the exact measurements.

Yield: 4 Ranch Hasselback Chicken Recipe (4-Ingredients Only)
Print
Ingredients
  • 4 boneless, skinless chicken breasts
  • 2 teaspoons Hidden Valley Ranch Seasoning Shaker
  • 8 ounces deli ham
  • 1½ cups shredded cheddar cheese
Instructions

Step 1

Pre-heat oven to 400°F. Lightly butter a 2-quart baking dish.

Step 2

Using a sharp knife, cut 7–8 vertical slits in each chicken breasts along the longest side, going about 3/4 of the way down, but not completely through. Season with  Hidden Valley Ranch Seasoning Shaker, then transfer to the buttered baking dish.

Step 3

Stuff a piece of deli ham into each slit, then top each chicken breast with an equal distribution of cheddar cheese. Bake on oven middle rack for 25 minutes until the chicken reaches an internal temperature of 165°F. Immediately serve.

Nutrition Information: Yield: 4 Serving Size: 1
Amount Per Serving: Calories: 437 Total Fat: 21g Saturated Fat: 10g Trans Fat: 0g Unsaturated Fat: 8g Cholesterol: 168mg Sodium: 1208mg Carbohydrates: 2g Fiber: 0g Sugar: 0g Protein: 57g
© Joyce @ My Stay At Home Adventures

The post Ranch Hasselback Chicken Recipe (4-Ingredients Only) appeared first on My Stay At Home Adventures.

Read Full Article
  • Show original
  • .
  • Share
  • .
  • Favorite
  • .
  • Email
  • .
  • Add Tags 

Does it seem like your family ends up eating out a lot? Do you never know what you’re going to make for dinner? Are your throwing out a lot of food? What if you could fix all those problems?

A weekly family meal plan can make a huge difference in how much you spend, how well your family eats, and how much food goes to waste. Let’s take a closer look at why you need a weekly family meal plan and its benefits.

Does this sound good? Are you interested in learning how to create a weekly family meal plan and start saving time and money in the kitchen?

Let's begin!

Why Every Family Needs a Weekly Family Meal Plan What Is a Weekly Meal Plan?

A weekly meal plan is just what it sounds like. Each week, you’ll sit down and choose what you’re going to fix throughout the upcoming week. Chances are you know what will be happening throughout the week and be able to plan meals that work with your schedule.

For example, if you’re going to be busy throughout the day, you know that a crockpot meal would be perfect for that day.

How Do You Choose What to Cook?

This is where many people feel lost. An excellent tip is to go through your pantry, fridge, and freezer and plan meals based on what you have on hand. This ensures that you use up what you have. If you have nothing on hand, think about what your family likes to eat. You can also make meals based on what’s on sale that week.

You might like:

What Are the Benefits of a Weekly Family Plan?

There are so many benefits to a weekly family meal plan. When you plan a menu for the week, you’re less likely to eat out. This means you’ll save money. When you plan meals based on what you have, you’ll throw out less food.

Best of all, you’re able to plan meals based on what’s going on throughout the week. This will ensure that you have something for those days when you don’t have a lot of time or those days when people will be eating throughout the evening because of their schedules.

How Do I Get Started?

I’m so glad you asked! I’ve included a free weekly family meal plan to get you started. Now you have no excuse to continue winging it day after day when it comes to meals.

This free weekly family meal plan comes with:

  • Pantry Checklist
  • Fridge Inventory List
  • Freezer Inventory List
  • Weekly Meal Planning Sheet
  • Weekly Shopping List

Sign up and download your weekly family meal planner and let's get started. Below you are going to find sample family meals that are popular. Keep in mind that your family is unique and you know what your family likes and enjoy eating.

Sample Weekly Family Meal Plan

Below are three sites that contain recipes samples you can use to create a meal plan. From low -carb recipes to Weight Watchers you will find great recipes to start meal planning this week.

Every family is different and we advocate that you create a meal plan that keeps you and your happy family. Of course, you are more than welcome to use the recipes linked below to ease you into your weekly meal plan.

A weekly family meal plan can make your life so much easier. With a bit of time each week, you can make the rest of your week a complete breeze when it comes to meals. You’ll also save money. It’s a win/win.

The post Weekly Family Meal Plan (All You Need To Know) appeared first on My Stay At Home Adventures.

Read Full Article
  • Show original
  • .
  • Share
  • .
  • Favorite
  • .
  • Email
  • .
  • Add Tags 
My Stay At Home Adventures - From Workin.. by Joyce @ My Stay At Home Adventures - 3w ago

Many people struggle to stick to a budget. It’s too easy to overspend when you see something that you think you need to buy.

Thanks to debit cards, it’s so much easier to spend more than you had intended. That’s why many financial experts recommend the cash envelope system.

This old-school method helps ensure that you don’t spend more than you meant to. Let’s take a closer look at what it is and how it can help.

What Is the Cash Envelope System?

The cash envelope system is a budgeting method that requires you to put money into an envelope for a variable expense.

For example, groceries are a variable expense. Each pay period, you will put the amount you have allotted to groceries into an envelope.

The idea is that you spend only what’s in the envelope. When you go shopping, you’ll leave your debit card at home and only have the money that is in the envelope.

Other variable expenses include gas, household supplies, entertainment, clothing, and personal care. You’ll want to have a different envelope for each expense.

How Does It Help You Stay on Budget?

The cash envelope helps you stay on budget by forcing you to be more conscious of what you’re spending.

When you know that you only have a certain amount of cash to spend, you’ll be careful of what goes in your cart.

You’ll also be less likely to grab things you don’t really need just because they are on sale.

If you’re the type that justifies spending more because something is a stock up price, you’ll be forced to rework what you’re buying to make it work with your budget.

What Should You Do with Leftover Money?

People often ask what you should do with the money you have left over. It’s always a good idea to roll that money into the next pay period. We all have months where we’ll need to spend more than normal.

For example, when the holidays roll around, you’ll more than likely spend more money on groceries.

Rolling the money to the next pay period helps ensure that you have more money for those extras.

The cash envelope system is a great way to ensure you stick to your budget. Give it a try and see how it works for you.

You’ll be surprised at how much less money you spend. Best of all, you’ll also find that you have fewer impulse buys and work even harder to stay within your budget by couponing or looking for other ways to save money.

How we use our cash envelopes

We have used the cash methods at the beginning of our financial journey. After a few years, we simply stop.

Late 2018, we decided that we needed to change our financial game and this included using cash envelopes.

Now, to be honest, we are not fans of cash envelopes. We are not. We have made this clear in posts, but guess what?

Cash envelopes work.

They help us save money and stay focus.

We don’t enjoy using cash envelopes because is not convenient. Instead, we swipe our cards and spend more money. It’s a fact.

Using cash helps us save money and because this is a major focus for us, we decided to go back to using cash envelopes and growing our savings.

In January we were able to save $541 thanks to using cash!

This year I encouraged my readers and subscribers to challenge themselves if they are not using cash envelopes and start right now.

To make this fun, I created different money envelopes and this month I created Valentine’s Day envelopes to use this month.

If you are doubting the cash method, stop!

Cash works and you can make this work for you and your family.

Do you pay your bills all in cash?

No, it is 2019 and the real world is not about paying everything in cash. I pay my bills online and have categories that we use cash only.

What are the categories of cash envelopes?
  • Housing
  • Groceries
  • Transportation
  • Clothing
  • Pets
  • Kids & School

Of course, these are just samples of the cash envelope categories you can have and as I say always this should be categories that reflect you and your budget.

For the month of February 2018, we decided to take make a new challenge and this time we are doing the Cash Envelope Challenge.

For the month of February, we are using more cash envelopes and sticking to it. This is important because, to be honest, we enjoyed our No Spending Month in January and we used cash for a lot of things.

That’s why we saved a lot of money. This month we are hoping to save even more, but we shall see.

To even help you understand more about categories continue reading because I'm going to show you more details about categories below.

When you create a budget, you create categories such as:

  • Food
  • Household
  • Utilities
  • Car service
  • Mortgage
  • Healthcare
  • Etc.

The good thing about the cash envelope system is that you don’t have to make categories for EVERY category on your budget.

You make envelopes for categories that you can control or are problematic to you.

For example:

You don’t make an envelope for mortgage because you already know how much your mortgage is each month. It’s even automated, and each month the mortgage company withdraw it from your account.

Your cash envelope categories should be the ones that affect your finances. The ones that you typically overspend your money on.

Top categories people overspend:

  • Food
  • Restaurant
  • Clothing
  • Travel
  • Entertainment
  • Personal care

I recommend you stick to 5 or 6 envelopes. (We will cover more later)

Related posts:

Why people fail at using this system

When I hear people telling me that they tried the cash system, it didn’t work, yet they are still struggling financially, I tell them this:

It’s not the cash envelope method that failed; it’s you.

People fail using this method because:

They went with a negative attitude.

The cash envelope system isn’t sexy, and it does take effort. Are you going to let that stand in the way of your financial freedom?

They weren’t committed.

Here’s something shocking. My husband and I don’t enjoy using the cash envelope system and would love to use cards.

When we first started this method, we went in not wanting to like it, but we were committed to making it work.

Of course, using a card is convenient, but convenience is what got us into our financial mess.

The truth and the reality is that IT WORKS!

Cash method works.

I can’t lie, IT WORKS!

You can make it work.

You can make this method as convenient for you as you can.

When we first started, we made tons of mistakes, heck we couldn’t figure out budgeting at all, but we didn’t give up.

Giving up was not an option and we weren’t quitters.

Our problem was that we made this system too complicated, and we were creating a budget system that was someone else’s.

Make the cash system work for YOU, not others.

Commit.

What do I do with the leftover cash from our cash envelopes?

What should you do with your leftover money? This is a good question and below I will show many options on what to do with your leftover cash.

With your leftover money form your cash envelopes you can do this:

  • Pay debt
  • Rollover to the next month
  • Save it
When is this the best idea?

If you are focusing on paying down or eliminating your debt, then use the money left over to pay off your debt.

How to decide which debt to pay down? (highest interest or lowest balance)

I’m going to say that when it comes to paying down your debt, you need to do what works for you and your family.

Many say to pay off the smaller debt, the high interests first, or the higher debt.

My opinion is that you should do what works for you and you feel good about it. Pay the debt that gives you the most anxiety!

I eliminated my consumer debt first before my auto loan because the consumer debt gave me more anxiety than the car loan.

For me, getting rid of the debt that gave me anxiety was important to me.

Rollover When is this the best option?

Beginners often ask what you should do with the money you have leftover.

It’s always a good idea to roll that money into the next pay period. We all have months where we’ll need to spend more than normal.

For example, when the holidays roll around, you’ll more than likely spend more money on groceries.

Rolling the money to the next pay period helps ensure that you have more money for those extras.

How to allocate in the next month’s envelopes

How you allocate the cash is by simply keeping the cash in the same category. If you have $50 leftover on your grocery envelope, you add that amount to the next payday.

Example:

Budgeted amount –   $300

Leftover amount –     $50

Total Envelope amt – $350

Save

Best places to save (cash, savings account, investment?)

  • You can use the cash that is left over and add it to your saving account. We recommend creating a saving account that is not easily accessible to you. We use CapitalOne 360 and Digit because the money is not easily accessible for us.
  • Loose change can be added to a jar and cashed later. We have a summer jar, which we use for our summer outing and pool days.
  • You can put that cash into an investment.
  • You can also save the cash in your home. We decided to increase our cash amount in our home in 2019.
Saving goal

I recommend you save money as well as pay debt. You can do both and there is no wrong way of doing things when it comes to your finances.

Many people believe that on way of doing personal finances works for everyone, and that is far from the truth.

Again, your personal finance is your own and should reflect you and no one else.

Do what works for you when it comes to saving money.

Can you pay debt, rollover cash, and save at the same time?

Yes, you can!

Depending on your financial goal, you can do all three. An example, for kids and school category, we tend to save and roll over the money all year round.

My boys are special needs children, and they do go to summer school, during the summer I might not spend a lot so that category grows when back to school time it helps me pays for supplies for them because I have rolled over what has been leftover.

For Christmas categories, we just save it and deposit the money into our Christmas account when the holiday is near. Our goal is to have our goal money saved by Black Friday.

Finding a System That Works For You

When it comes to budgeting and finances is called personal for a reason, it should reflect you and your family.

I explained how the cash envelope system works. You create a budget, make categories, get the blank envelopes to write the categories, stuff the envelopes, and use them until the next budget or payday.

The leftover cash can be used for debt, savings or just rollover.

BUT I wanted to talk to you about different ways to fill your envelopes.

I mentioned earlier that a good idea is to fill your envelopes with money every week or when you get paid.

Let’s be real for a minute, if you are living paycheck to paycheck it will be difficult to stuff your envelopes one time at the beginning of the month.

If you are starting the cash envelope system, then break your monthly budget into weeks. Either fill your envelopes one time a week or biweekly.

You can also budget your paycheck, and this means you will create a budget for each paycheck you receive and on that day head to the bank and fill your cash envelopes.

Cash Envelopes – Once a Month

I’m going to show different ways to stuff your cash envelopes using a Cash Envelope Sheet (Monthly)

First you are going to write the month where it says month.

Then you are going to write down the categories you have created for the month.

This is just an example:

  • Household
  • Groceries
  • Transportation
  • Clothing
  • Pets
  • Kids & School

Next, on the column that says Budget write down the budgeted number for the month.

If you budgeted $700 for groceries and 25 for pets, write it all down.

On the total row write down the total for the budgeted amount.

On the Actual column you are going to write the amount you spent at the end of the month.

The circle you write down the total amount of cash you need for the month which this the total amount budgeted.

Now, if you have the fund available to stuff your envelope with the monthly budgeted amount the use the How Much Cash Do I Need sheet or any blank sheet and head over to the bank to get your cash.

Then grab your envelopes and fill them with the cash for the entire month.

Remember that once the money is gone, is gone! You can’t refill your cash envelopes until the next budget so please be careful.

If a monthly cashed filled is not your thing, then I’ll show how to fill your envelopes another way that will help you keep the amount of cash low and more manageable.

If you want to fill your envelopes every two weeks then all you need to do is break it down into two weeks.

The example sheet is one we use in our binder and we break it down into pay checks since we get pay every two weeks.

We love this system because again, we don’t have to deal with so much cash and is easy to see and manage our budget progress.

EVEN if you are going to use this method to fill your cash envelopes, I recommend you use the Cash Envelopes Monthly Sheet I showed you previously or the system shown.

Meaning you need to budget your categories for the month and then break them down.

This will make the system so easy because you will be seeing the process work.

Now with the biweekly sheet AFTER you have your monthly budget, you are going to look and see how your month looks.

First, you are going to write down your categories under category. This is just an example:

  • Household
  • Groceries
  • Transportation
  • Clothing
  • Pets
  • Kids & School

Next, you are going to look at your bills and your budgeted cash category. You know how your bills works and how much you need to pay each paycheck, right?

Let’s go over this example. Let’s say that we budgeted $600 for groceries and looking at my bills and first paycheck I’m going to be able to pull $300 until next payday for my cash envelope.

Your plan is to pull your last $300 on the second paycheck.

On the sheet you are going to write down the amount you are going to fill the envelope and that’s $300 under paycheck 1 and $300 under paycheck 2.

Now household you have budgeted $75 and you see that you will be OK pulling $25 the first paycheck because on your second paycheck you are going to purchase a lot more then you write $25 under paycheck 1 and $50 under paycheck 2.

You will go and do this for all your categories. Write down how much you will pull for each paycheck and add the total.

When you add the total for Paycheck 1 and paycheck 2 it should equal the budgeted amount on your first page.

You don’t have to split your categories in half. For us, we don’t fill our Christmas envelope until the second paycheck because on our first one we spend more on groceries and our kids and school events.

For us it works for us.

Where to get a horizontal cash envelope template

We believe that if that using cash will help you get your finances under control.

The cash envelope system will help you to:

  • Save money
  • Eliminate debt
  • Control your fiances
  • Change your life

Because we truly believe that it can help you we you can download our horizontal cash envelope template for free when you subscribe to our newsletter.

But before you go you are going to learn how to print, fold, and use this envelope template.

You ready?

Let's begin!

Below is a photo of how to fold the free envelope template you will receive when you sing up to our newsletter.

If you are interested in how to use a budget binder printables make sure you click the link here.

If you are interested in learning how to use a great budgeting system and get this cash envelopes then fill out the form below.

The post Cash Envelope Template appeared first on My Stay At Home Adventures.

Read Full Article
  • Show original
  • .
  • Share
  • .
  • Favorite
  • .
  • Email
  • .
  • Add Tags 

Creating a budget can be challenging at times; to be honest, very frustrating as well. When we have a tight budget, or we are broke, saving money can be hard.

How to save money on a budget?

How can I save money with a low income?

Can it be done?

The truth is that it can be done and I'm telling you this because this is how I do it.

Now, I'm not saying that it was easy and fast, but I got it done, and you can too!

When I first started to attack my debt, we asked ourselves how could we possibly save money when it seemed like all of our money was going to paying our financial debt.

Saving money on a budget was something new to me. I was a bit overwhelmed because I never in my life had created a budget on my own.

How could anyone save money on such a tight budget?

Was it possible?

The answer is yes, it is possible, and many others have done it. When you start focusing on killing debt, sometimes we start our journey with an intense focus on just eliminating debt. We use all the money we have in killing debt.

During my early struggles with killing my debt, I was simply following what Dave (Dave Ramsey) said. Save $1,000 first for an emergency fund, and then start killing your debt with intensity, but that didn't sit well with me.

You see, $1,000 is not enough. If my car's transmission were to go, $1,000 wouldn't cover it. This is just a fact.

I decided to break free from following Dave and kill my debt the best that I could; that was to save money in the process of killing my debt.

I believe that having an emergency fund helps prevent you from getting into debt, and if it weren't for my emergency fund, I would have been in more debt.

How I decided to save money on a budget was to start small and create a plan.

I made a budget where a certain amount of money was going to paying off my debt, and another to grow my emergency fund.

The truth was that it took some time to figure it out. Heck, it took me a bit to create a budget that worked for me.

The reason why is because a budget that works for some, might not work for you; and the essential part of having a successful budget is to find one that works for you and your family.

Check out these money-saving posts:

This is how I learned how to save money on a budget, and again, what worked for me might not work for others; but these tips are here to give you an idea on how to save money on a budget.

How To Save Money On A Budget

On my blog, I am always writing about ways to save money since becoming a stay at home mom; this has been something I am passionate about.

Not only have I written plenty of posts on this subject, but I have also tried many ways to save money.

For these reasons, I can tell you that I am personally able to answer your “how to save money on a budget” questions because I have done it myself.

All it takes is a commitment from YOU, and since you already committed to start killing debt, saving money on a budget won't be as difficult.

Your excuses for not being able to save money due to a tight budget will be squashed once you realize that saving money consistently and diligently will make your money grow.

Evaluate your budget

This is something that you must do routinely. Your budget should never stay the same and should be revised monthly. I will not go into details about how to start a budget here since I have written so many posts about starting a budget that you may find very helpful here.

When you are looking at your budget, simply look for ways to cut down expenses to save money.

Create a savings goal

If you don't have anything saved, it's time to create a savings goal. Once you re-evaluate your budget and find ways to budget some savings, create a goal. If you can save $5 a week or a month, this is a start.

Related posts:

Start committing to this goal whether you created a 2-month saving goal or 6-month goal. Start cutting down any expenses or excessive shopping and start using that money saved towards your savings.

Use any extra money toward your savings

If you're committed to your savings goal, any extra money should go towards it. If you got paid 3 times that month, that paycheck should go towards savings (If you are concentrating on saving money).

Stay motivated

This is something that I lacked a lot during my early years, motivation. Remind yourself why you are doing this. Do whatever it takes to keep yourself motivated and keep going.

Don't give up

Never give up on how to save money on a budget. NEVER! Nothing is 100%, and sometimes things happen, but don't let that derail you from saving money.

Conclusion

I hope these tips on how to save on a budget will help you get started on saving money. Having money saved is so important and when you know that you have money saved it feels right.

Having money saved helps you when things happen, and you don't have to worry about trying to come up with money.

Never say again that you can't save money because of your tight budget. Many others have done it, including yours truly. If it only takes $5 a week; do it! Remember that if you continue to save consistently and diligently, your money will surely grow.

What other tips do you have on how to save money on a budget? What did you do to save money when your budget was tight? Please share it with us. Like this post? Check out this budgeting posts:

The post 5 Incredible Ways Broke People Can Save Money On A Budget appeared first on My Stay At Home Adventures.

Read Full Article
  • Show original
  • .
  • Share
  • .
  • Favorite
  • .
  • Email
  • .
  • Add Tags 
My Stay At Home Adventures - From Workin.. by Joyce @ My Stay At Home Adventures - 1M ago

Let's talk about our Budget Binder printables and how they are not only saving helping us save money but many others as well.

Our 2019 budget binder is a digital product we created as a tool to help you with our finances.

Budgeting is important and everyone, no matter the income, should be know everything about their finances.

Tracking your spending and income is crucial and you need to make sure that you are using the right tool to help you tackle your finances.

What is a budget binder?

A resource for tracking your spending as well as managing and planning your financial goals

Why do you need a budget binder?

It is always recommended to use a budget binder to help you track your income, expenses. It helps you manage your finances and pay off any debt.

A budget binder helps you keep track of every penny earned and every penny spent.

Who needs a budget binder?

Anyone that earns and spend money. Again, a budget binder is a resource to help keep track of your finances.

I’m on a set income do I need a budget binder?

Yes, you need a budget binder. No matter your income, if you are earning and spending, keeping track of your finances is important

I am living paycheck to paycheck and have no clue how to use a budget binder?

Good news! You will! And I will show you how to use my budget binder and if you continue to follow and use this binder you will no longer live paycheck to paycheck.

What do I need to create a budget binder?

Good question! This budget binder is a digital product, and this means that you download it and print the pages you need and want to use.

To make a budget binder, you are going to need:

How to organize a budget binder?

Below you are going to learn how to use our budget binder printables.

Once you have your supplies gathered it is time to make sure you take the time and gather all your expenses and income from the last three months and be ready to work on this budget.

Please make sure that you have your schedule clear and ready to tackle your budget because this is not a 30-minute job.

You are going to make sure that you are going to pay all of your attention to your budget planning and if this is your first time doing this, it is crucial that you allow time for this.

What you are going to do is print the year goals sheets, and this these are:

  • Yearly Financial Plan Sheet
  • Yearly Financial Goal Sheet
  • Paycheck Calendar Sheet
  • Full Debt Overview Sheet
  • Debt Paydown Sheet
  • Debt Priority Sheet

Know that you can print as many as you need, and I will recommend having additional blank paper too. There are more sheets of papers to print but if you have not used this binder before and need some help getting started then print the sheets listed above first.

Now it is time to enjoy a money date and get started with your new adventure, your money adventure.

You are going to look at your finances. You are going to write down all your income, expenses, and debt.

Let me prepare you and say that this is going to be a hard part for many people because of the reality of how your finances are going to be there on your face.

This is going to be hard to take for many of you!

BUT that’s OK! We had those brutal honest moments too.

The truth was that we avoided doing this because we were afraid to see our financial reality face to face.

On this part, you are going to have to be honest with yourself and accept it.

You are going to write down ALL of your income, all of your expenses and your debt.

Log into your bank accounts, credit card accounts and start tracking.

Once you are done writing everything down it is time to come up with a financial plan. 

What do you want to accomplish with your money? What are your financial goals for the future? Write it down in a blank piece of paper. Dare to dream big!

Once you have your goals written down it is time to break them down and start planning. How are you going to make this happen? Break it down and write those plans down.

In 2019 I want to pay one credit card off.

I would love to increase my emergency fund to $2000.

These are just samples.

So why we recommend writing your goals and plans down?

By writing your goals and plans down, it makes it real! When feeling down and need motivation it is such a great way to open your budget binder and look at your goals and plans.

How to use the Yearly Financial Plan Sheet

The yearly financial plan sheet has three sections:

  • Long-term goals
  • Short-term goals
  • Action Plan

Planning is key to your success, and it is important to write your yearly plans so you can stay motivated and keep track of your goals.

Now, as the months pass by and you are working on your finances, you might change your plans for the year, and that is OK!

Nothing is set in stone, and as you find a rhythm that works for you and your family, it will change.

If your yearly long-term plan is to save $400 each month on your grocery category for a total of $4800 by using coupons and three months in you realized that this is not working because:

A – Cutting couponing takes way too much time

B – You do not see results

C – You found that meal planning and using a shopping list works for you

Then it's OK to change your yearly plan. If you plan to eliminate debt, then write it down and write down how you are planning on getting this done.

You don’t need to have more than one plan, if you want to focus on just eliminating debt, then do that. Your finances are your own and no one else!

How to use the yearly financial goals sheet

The yearly financial goal sheet is set up the same way as the yearly financial goals.

  • Long-term goals
  • Short-term goals
  • Action Plan

It’s such a great way to break down your goals and your plans and keep them realistic. Here’s a realistic goal sample for you.

If you are in credit card debt of $15,000 and you want to pay your debt and save money, then you keep your debt goals and saving goals realistic.

Meaning you are going to write, kill $15000 in credit card debt and save $20,000 when you have never worked on your finances before or your income doesn’t allow it at this time.

Your long-term goals are to kill $15,000 in credit card debt and save $20,000.

Your short-term will be:

Pay down one credit card down to $0 and save $5000 in 2 years.

Your action plan will be something like research on how to reduce my credit card payments. Stop using credit cards and pay $100 extra on this particular credit card.

For the saving goal, my action plan is to analyze my spending, see what categories I can cut down and write an action plan on how to get there.

How to use the Paycheck Calendar sheet

Planning is key and when you are about to start budgeting it is best to know when you are going to get paid.

Using the paycheck calendar sheet, circle the dates you are going to receive a paycheck or income.

Once you are done, look at the sheet and see what months you are going to get an extra paycheck.

Use this sheet each month to create your monthly budget to see when you will be getting paid. It makes it easier to have it all in one binder.

How to use the Full Debt Overview Sheet

Use the Full Debt Overview sheet to write down ALL of your debt and if you need to print more than one sheet, go ahead!

In case you need some clarification on what debt is, debt is money owed to a party, lender, or collector.

On this sheet you are going to write down:

Debt – The name of the credit card or loan. Amazon credit card, Visa card #1, a name that you will recognize.

Balance – You are going to write down the balance you owe. If you are starting the binder right now and you are creating a financial plan or goal for this write the balance as of today.

Monthly Payment – The minimum amount that is due on this debt each month.

Interest Rate – Write down the interest in this account.

Payoff Date – The date you are planning on paying this debt off.

Notes – Any note you need to write down.

The Full Debt Overview Sheet helps you see all your debt in one sheet which might hurt a bit but is a reality check we need.

This sheet will help you plan your debt pay off method. Do you want to start with the lowest balanced account, or do you want to start with the highest interest rate account?

This is a personal choice, and whatever way you decide to pay your debt is the right one for you! Remember it’s called personal finances for a reason, it’s personal! You don’t need to do it one way because someone else told you to do it that way.

Eliminate your debt on your terms as long as you are doing it!

How to use the Debt Paydown Sheet

Once you have written down all of your debt it and have come up with a debt pay off plan the Debt Paydown Sheet is the next step.

To keep your finances organized and in the same binder, you are going to write down what your goal payments for these accounts.

Again, the goal payment might change as the month's pass, and you pay off accounts, but it is a great idea to start with a plan.

Debt/Creditor – Write down the name of your debt or creditor.

Balance – Write down the total balance owed on the account.

Minimal Payment – Write down the minimum payment required for this account.

Goal Payment – Write down the goal payment you set for this account.

Paid Off – Check or mark once it is paid off.

How to use the Debt Priority Sheet

If you like to be organized and have your debt prioritize then this is the sheet for you. Once you have decided on how you want to pay your debt, write down by level of priority.

#1 being the highest level, the priority debt you want to pay off debt. This sheet is really good if you are doing the debt snowball method.

The sheets called Snowball Calculator and Debt Calculator are details sheets to write down every information regarding each account.

Why have two sheets and which one should you use?

Many people will follow the snowball way of eliminating debt, others will tackle their debt based on the highest interest, and others will do it their own ways.

Both sheets are the same thing just named differently depending on what your preference is.

What to do next after you have written down your goals, plans, and prioritized your debt.

These sheets are important because once you fill it out, you will have a clear view on how much interest you are paying on this debt, the balance, credit limit and all.

If you have multiple credit cards, we recommend using these sheets to give you a clear view of each credit card debt.

Snowball Tracker Sheet

I believe that visuals are a great way to keep you motivated and focus when it comes to eliminating debt.

Using the Snowball Tracker Sheet is a great way to track your debt on each one of your debt accounts.

How to use the Snowball Tracker Sheet

Year – Write down the current year.

Name of Debt – Identify the debt by giving it a name. If this is an Amazon credit card, write down Amazon. If it’s a Citi Bank, then write down the name. A name that you can associate the account with instead of Visa or Master Card. Doing this will be confusing if you more than one Visa card.

Starting Balance – When you decide to start tackling your finances and create a budget binder, use the current starting balance down.

Debt Priority – Remember the Debt Priority Sheet we mentioned earlier? Debt was written down by priority and on the left side of the page you saw numbers. This is where the priority number is going to go.

Goal Payoff Date – When you created your plan to attack your debt, if you decided on a payoff date write it down.

How to use the Saving Log printable

The Saving Log printable is used to store all your savings accounts. Write down your saving accounts, money earning app account, any account that you use to save money.

Use this sheet to keep track of all your saving accounts.

Our budget binder is a great tool to help you keep stay on task when it comes to your finances.

Because this information given above is long. We wanted to cover the yearly budget binder printables first before discussing the monthly sheets which will be on a different post.

Where to Get Your 2019 Budget Binder Printables

You can learn more about our latest budget binder printables when you click this link.

The post budget binder Printables appeared first on My Stay At Home Adventures.

Read Full Article

Read for later

Articles marked as Favorite are saved for later viewing.
close
  • Show original
  • .
  • Share
  • .
  • Favorite
  • .
  • Email
  • .
  • Add Tags 

Separate tags by commas
To access this feature, please upgrade your account.
Start your free month
Free Preview