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…
Within the last few months my husband and I have paid off all of our smaller debts. You know things like a student loan, car loan, a few hundred dollars on a visa card and our Lowes credit card we had been using to finish our back patio. It feels so good to not have…
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…
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…
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…
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…
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…
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…
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…
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…
Life in the Orchard 