Excuse the cheesy photo, but as I mentioned, we are trying to get out of debt and it was while researching ways and means to do this, we came across Dave Ramsey and he has definitely become my HERO! His Seven Baby Steps method is sooooo simple to use, it's mad! The seven steps are … Continue reading Dave Ramsey and Me!
Part of having a budget is making sure that you are sticking to it and checking that your payments have come out of your account is a vital part of this. When I use my spreadsheet, I highlight the upcoming bills in a darkish orange and then change it to a pale orange once they … Continue reading Keeping your Budget Sheet up-to-date.
Well Done! You've made your budget, now lets allocate every penny so that we don't waste it. You know what it's like, you've planned your spending, there is £100 left over that you MEAN to use against your overdraft or debt, but then come the end of the month, it's gone. That is where Zero-Based … Continue reading How to budget to fit your income – Part 5: Zero-Based Budgeting & building your Emergency Fund.
Budgeting is something that is a stumbling block for so many people. It is thought of as a restraint and a burden. Why should I tie myself to a budget? I earn my money, why can't I spend it on what I want, it's mine? I sweated blood and tears for that, I deserve a … Continue reading How to budget to fit your income Part 1: Why you need a budget & allocating incomes.
One of the things that I need to do is get out of debt and start to build up some kind of savings for our future. I am 55 years old and my husband is 58, so it is pretty pointless us starting a pension scheme this late in life. One of our passions has … Continue reading My Debt Free Journey starts here!