Baby Step Three

Our family is currently in Baby Step Three. For me, it has been a long journey through Baby Step One ($1,000 starter emergency fund in the bank) and Baby Step Two (Pay off all debts smallest to largest with the debt snowball). In fact, it took me 43 years but I spent...

Budgeting Tools and Tracking

It sounds like most of you spend money using a credit card or debit card. That is what we do because using the electronic records make it really easy to check how our spending aligns with our budgeting. Remember, budgeting is taking control of your money: “A...

Budgeting 101

If you’re not living with a budget, I strongly recommend it. I’ve had seasons in my life where I had a budget and seasons when I hadn’t. I’ve been married almost three years and we are in a season of budgeting. Since we started using...

Goals & Change Part 2

I’ve accomplished goals. Some of them have led to change and some haven’t. It is rampant in American society to lose 10 pounds and gain it right back again. That is one of those goals that wasn’t accompanied by change. The rare stories are the people...
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