Family Balance Sheet

SEPTEMBER 25, 2019

On the 25th of every month from January to November in 2019, I will hold a virtual meeting on the blog to give updates on our progress, motivate one another, and help all of us save for a cash Christmas. This should cover my tentative 2019 Christmas budget that I based on what we spent in 2018. My monthly goal is $100.

2019 100

2019 September Club August 100

Family Balance Sheet

OCTOBER 25, 2019

This should cover my tentative 2019 Christmas budget that I based on what we spent in 2018. I started the year challenging myself to find the cash outside of our budget. However by late summer, I found it easier to set aside the money directly from our budget. I offer a FREE Christmas Budget spreadsheet to my email subscribers.

2019 100

2019 October Club Christmas 100

Family Balance Sheet

MAY 25, 2013

If you are new, please read more about the Christmas Savings Club in the first post and join us. My offer for a FREE Christmas Gift & Spending Budget excel spreadsheet is still available. Our monthly goal of $100 is now a part of our monthly budget and I was able to transfer the full $100 to our savings account in May.

Club 100

Club Christmas May Goals 100

Family Balance Sheet

JULY 25, 2013

If you are new, please read more about the Christmas Savings Club in the first post and join us. My offer for a FREE Christmas Gift & Spending Budget excel spreadsheet is still available. Our monthly goal for Christmas savings is $100. If you have not done so, complete the Christmas Gift & Spending Budget worksheet.

Club 100

Club Christmas July August 100

Family Balance Sheet

APRIL 9, 2015

This new number will become a line item on your monthly budget. Every month, transfer this money into a savings account that is connected to your checking account. When you are ready to pay a bill, transfer what is needed from the savings into the checking to pay the bill. Don’t let that deter you.

Bills 100

Bills Real Estate Insurance Taxes 100

Family Balance Sheet

JANUARY 19, 2011

My financial binder holds my monthly to-do list , my yearly goals, our Family Balance Sheet , our family budget, and our business budget and statistics. I keep separate binders for our Business Expenses & Statements , Business Taxes , Health Savings Account , Retirement , my passwords (with alphabet tabs), and Workouts.

Office 159

Office Organic Organization Friends And Family Sale 159

Family Balance Sheet

AUGUST 28, 2013

If you are new, please read more about the Christmas Savings Club in the first post and join us. My offer for a FREE Christmas Gift & Spending Budget excel spreadsheet is still available. Our monthly goal for Christmas savings is $100. If you have not done so, complete the Christmas Gift & Spending Budget worksheet.

August 100

August Club Christmas Goals 100

Saving Cents With Sense

MAY 26, 2014

Only 32 percent of Americans prepare a monthly budget, according to a Gallup poll taken in June 2013. Creating a short-term budget and long-term financial plan can not only help you get out of debt once and for all, but they can also guide you to economic independence and prosperity. Build a Budget & Emergency Fund.

Emergency Fund 71

Emergency Fund Goals 2008 Debt 71

Saving Everyday

APRIL 24, 2012

Starting January 2012, we set up an automatic withdraw to a new “vacation savings account” of $25 a week. But since our trips also include visiting my family for a week or so, we always spend more than what we’ve budgeted. I haven’t cashed out since June of 2011 woohoo!

March 86

March Disney Friends And Family Sale Vacation 86

Family Balance Sheet

SEPTEMBER 13, 2017

Everything changed very suddenly on Saturday, June 25, 2017 when one of my children started complaining. However, due to depleting the $10k we had set aside, we must now build our savings for future medical bills. We have had high deductible health insurance plans since 2004 and during that time, we only hit our deductible one year.

2017 100

2017 Health Insurance September Insurance 100

Family Balance Sheet

FEBRUARY 9, 2018

That was a hit to our budget, but we reworked our numbers to find the funds and make it fit. That changed on Saturday, June 25, 2017 when one of my children started complaining. We hit our Annual Household Portion (think: deductible) in June, so all of the medical bills after that point were paid by other members’ shares.

Health Insurance 113

Health Insurance Insurance 2017 Bills 113

Prairie Eco-Thrifter

JANUARY 22, 2013

According to an article that was published on Investment News last June, it costs approximately $235,000 to raise a child and that’s not even counting their college tuition ! Do you live in a studio apartment or a one-bedroom place because that’s currently what your budget can afford? What’s My Living Situation? .

Kids 222

Kids College Tuition Birth Control Insurance 222

Coupons Do Work

JUNE 15, 2016

What you can save on, what to expect to go on sale, each month, a list of awesome things to stock up on for the entire year ! … This is a way to plan your purchases by month for the entire year and a great way to budget and save money! June is here. The best guide ! Summer is here. Happy Birthday America!

Flowers and Plants 100

Flowers and Plants Cinco De Mayo Buy Buying 100