My Stay At Home Adventures - From Working Mom To Stay At Home Mom, My..
My Stay At Home Adventures will help and motivated start any kind of adventure at home. Staying at home doesn’t have to be boring. Everyday start a stay at home adventure that will better your quality of life and will create memories. On this blog you will find money saving tips, recipes, and inspirational posts to help you start living the simple life.
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
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.
your local community pool
If you don’t have a pool, visit your
local community pool and have fun.
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
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
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.
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
Yard sale or Garage sale
Seriously a fun thing to do this summer the family is going
to love, making money!
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.
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.
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.
Stay or Go? How to Decide Whether to Remodel or to Move
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:
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
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
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
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
If you come up with an overall cost that is within your budget, you might as well make moving a go.
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
The nature of real estate is location; you can’t move
properties without leaving where you were and establishing yourself someplace
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
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
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
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.
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.
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.
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:
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.
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.
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!
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
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
Another way to take small steps to improve your finances
and get you closer to your money goals is to check your credit score
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
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
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
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.
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
Start with a small step and you’ll be more than happy down
the road that you make such stride.
of these tips have you done? Do you believe that small steps can make a big
difference in your finances?
“Allan Liwanag is the blogger behind The
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.”
Pre-heat oven to 400°F. Lightly butter a 2-quart baking dish.
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.
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.
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.
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.
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:
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.
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?
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:
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.
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
Your cash envelope categories should be the ones that affect your finances. The ones that you typically overspend your money on.
Top categories people
I recommend you stick to 5 or 6 envelopes. (We will cover more later)
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
They went with a negative
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?
Here’s something shocking. My
husband and I don’t enjoy using the cash envelope system and would love to use
When we first started this
method, we went in not wanting to like it, but we were committed to making it
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
Make the cash system work for
YOU, not others.
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:
to the next month
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.
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.
Budgeted amount –
Leftover amount –
Total Envelope amt – $350
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.
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
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
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.
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
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
Then you are going to write down the categories you have
created for the month.
This is just an example:
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
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
The example sheet is one we
use in our binder and we break it down into pay checks since we get pay every
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:
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
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:
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.
Below is a photo of how to fold the free envelope template you will receive when you sing up to our newsletter.
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.
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.
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).
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.
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:
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
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
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,
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
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
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
How to use the Yearly
Financial Plan Sheet
The yearly financial plan sheet has three sections:
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
How to use the yearly
financial goals sheet
The yearly financial goal sheet is set up the same way as
the yearly financial goals.
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
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
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
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
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
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
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
How to use the Debt Paydown
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
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
Paid Off – Check or mark once it is paid off.
How to use the Debt
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.