In 2016 we started the Dave Ramsey program. Life saver. To those who have not yet heard of it yet, check out www.daveramsey.com and to those who are doing it/done it can I get an AMEN?!
So with that being said. We are budgeting for the future all while still being able to live a little and take adventures together. Seeing beautiful scenery and going to new places is important to us.
There are a few minor adjustments we make that really start to add up to make those priorities happen!
- Paint my own nails – $40 saved
- Dining out allowance a month – don’t go over!!
- Added on 4 hours of work a week.
- Clothing/beauty/accessories allowance. {Read: the envelope system} I have a certain number I can spend a month. If I don’t spend it that month, it can roll over.
- Changed satellite to smaller package. (This is more of a life change, but it helps to have that extra cash. Even if one time the extra funds are for a trip)
- Make our own coffee each morning. {Coffee shops can add up if you keep track}
- We do use our credit cards to build points to use, but you MUST BE ABLE to pay it off each month! No balances.
- Save all change. At vacation time we cash it in.
- Coupons, price compare, etc.
- Track everything! It’s easy to think you’ve only spent X amount on “food/dining out” that month. But if you are able to see each transaction and add it up, it can be astonishing.
- Round up all old clothes, etc and sell them online or had a garage sale. There are tons of apps now for selling clothes and etc.
I’d love to hear if you do some of these also!!
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