Everything Homemaking
I’m on a budget. I don’t have an unlimited amount of money to spend each week so I’ve learned that if I don’t plan ahead, my money gets spent where it shouldn’t and I can’t pay for things I should. In an effort to plan ahead and set aside money for things I need, I came up with this Budget Allocation Worksheet. I don’t like it because it keeps me from spending mindlessly … [Read more...]
So you made your grocery list. You added it up. And it was $50 more than you budgeted. Uh oh. What now?! When that happens to me, as it does frequently, here’s what I do to get it where it needs to be: 1. Look for items you can put off until another week. I had several items on my list this week that were getting low but weren’t out yet. So I skipped them for a … [Read more...]
I’m a spender. There. I said it. I’m not one of those people who can walk through Walmart or Target and only buy what’s on my list. There are just so many cool things in those stores that I want for myself or my kids or my grandkids. Don’t get me wrong – I’m not spending big bucks. My impulsive purchases usually add up to $5 or $10 or even $20. But unfortunately, those … [Read more...]
I’ve been keeping track of our finances in my planner for at least 10 years. I keep track of our personal finances and the finances for my husband’s small business. Most businesses wouldn’t be able to do this but ours is a small business (just my husband) so it works. To give you an overview, we have seven accounts: Business Account Personal Account 5 Savings Accounts The … [Read more...]
Have you ever needed to set money aside for a future payment but the only way you could think to do it was to physically take cash out of your account and stash it in a safe place until you needed it? You don’t have to do it that way. Here’s an easy way to set money aside right in your checking account. But you do have to have a check register of some kind or it won’t work. Here’s … [Read more...]
I can’t believe I’m even writing this, but Christmas is just around the corner! No, I don’t meant it’s next week or next month, but it’ll be here before you know it. And unless you have an unlimited budget, it’s probably time to start thinking NOW about how to pay for it. But before we start talking about HOW, we probably need to know WHO and HOW MUCH. So grab a pencil and paper … [Read more...]
I hate paying a service charge for checking accounts or savings accounts. Absolutely HATE it. But the last two months I’ve paid what I consider a hefty service charge for one of my checking accounts - $25. Ouch! The first month I was pretty sure my balance had dropped below the required amount. It couldn’t be helped. But the second month, I was pretty sure it HADN’T dropped below … [Read more...]
