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Christmas Savings Club | October 2019

Family Balance Sheet

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.

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Ways to Save Money on a Tight Budget

Saving Everyday

If you’re looking for ways to save money on a tight budget, we’ve got you covered! Christmas is right around the corner, so if you’re looking for ways to save money on a tight budget, we’re here to help! It’s October, and Christmas is in three months, so we need money quickly!

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Christmas Savings Club | November 2019

Family Balance Sheet

My monthly savings goal was $100. This should cover my tentative 2019 Christmas budget that I based on what we spent in 2018. I challenged 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. It became a habit.

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Christmas Savings Club | August September 2019

Family Balance Sheet

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.

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How We’re Using Upromise to Save for College

Family Balance Sheet

I don’t recall why I never used the account, but I guess it just slipped my mind. Right before the pandemic started, I opened 529 College Savings Accounts for our daughters. My oldest was in eighth grade and one of my goals for 2020 was to start saving consistently for both daughters’ college education.

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Create a Personal Escrow Fund | 31 Days to Organize Your Finances

Family Balance Sheet

We’ll talk about cash flow, budgets, debts, and all of the nitty gritty of our finances that might not be fun to talk about, but are so important to discuss. Every month, we transfer this money into a savings account that is connected to our checking account. This is not an account to fund anything else–ever!

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Why We Left Traditional Health Insurance

Family Balance Sheet

In October 2003, I left a career as a department store buyer with a nice paycheck, paid vacation days, 401k match, profit sharing, and health benefits, to pursue a life of self employment with my husband where all of those things are up to us. Health insurance prior to October 2003 for me and my husband was pretty standard for that time.