Unexpected Benefits of an Emergency Fund

Every month I am able to keep my $1000 “baby” emergency fund I celebrate! I know that for some this is laughable but for some it is relatable. I have never been a person to save for a rainy day. When I want something you better believe I can save for it! So I am…

E is for Emergency Fund

For the first time in MY WHOLE LIFE I have maintained an emergency fund. It’s sad to admit that I have never been a very good saver. Since the hubby and I have decided to take on Dave Ramsey’s baby step program we have been able to keep our “baby” emergency fund of $1000 in…

Summer Trip Planning

I know Spring just arrived but I’m already thinking about Summer. We usually go on 2 camping trips in the summer but this year we already have 4 planned! Woooo Hoooo! The problem is I need to make sure our finances can handle it. Luckily camping trips can be pretty inexpensive for us since we…

March Baby Step Update

As I sit here writing this post I cant help but be excited. We are one step closer to being done with Dave Ramsey’s baby step #2. This terribly annoying student loan is long gone and I wont EVER look back! It was a $6000 loan with only 2% interest but it felt like it…

What Happened To My March Budget??

We are almost half way through March and I feel like a financial mess! Ok it’s not really that bad I am just being dramatic. Our Vegas trip just put a wrench in my normal budgeting method. First off I didn’t pull cash out last payday for gas, groceries and those sorts of things so we…

Thinking About Retirement

I have made some dumb financial decisions in my 20’s but one thing that I have done correctly is plan for retirement. I have no idea what inspired me at 21 to start saving 10% of my income but I did. A few times I have considered taking a distribution from my retirement accounts but thank…

Final February Numbers

I opened a bottle of wine and did it, the dreaded task of going through my February receipts. I don’t normally keep every receipt and then go over them at the end of the month but I wanted to calculate my spending and compare it to my budget. First of all I have to say…

6 Ways I Have Changed My Spending Habits

Since I have started following a strict monthly budget I have had to really start paying attention to my spending habits. In the past you could have caught me cruising the aisles at Target to waste time. The problem was I wasn’t just wasting time I was wasting money to! In the past 2 months I…

That Dirty Word- BUDGETING

In the past month and a half we have made some real progress in our Dave Ramsey Baby Steps. I am so proud of my husband and I, we are currently working our way through baby step #2. Yes it is tax refund time so that helped us make some head way. But the old us…

Analyzing My February Budget

We are a third of the way through February so I thought I would analyze my budget and just check to make sure I am on the right track. This is my first month following a budget, a hardcore budget. So far it really hasn’t been as hard as I thought it would be. I…