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Reduce Your Spending in 3 Budget Categories | 31 Days to Organize Your Finances

Family Balance Sheet

I want my family to enjoy life, but we also have some pretty serious financial goals that we are trying to achieve. Variable categories change monthly depending on your spending habits and include categories like groceries, dining out, clothing, utilities, and entertainment. Gym Membership. It saves us $67 a month.

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25 Ways to Find Money for Your Emergency Fund

Family Balance Sheet

Barter your gym membership! Do you have a gym membership? However, if you do use it , ask your gym if they swap volunteer hours for a free membership. Years ago, my husband received a free family membership by working at the front desk of the gym from 6 – 9 am two Saturdays a month. 9 – Collect your change.

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How to Start a Budget (and be successful at it!)

Family Balance Sheet

Personally, budgeting has allowed us to control of our money, reach financial goals, and start planning for our dream life. Some items are fixed and are recurring each month, but other things are variable (change month to month) such as groceries, heating/cooling, clothing, restaurants. Total your expenses.

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Meet Carrie. She Paid Off $14,000 in Debt in 14 Months.

Family Balance Sheet

I also downsized my lifestyle and sold extra furniture, clothes, and jewelry, on Craigslist. I also decided I didn’t need extra luxuries like my gym membership and cable TV. He leaves most of the financial goals up to me, but we make the decisions together. What are your financial goals now?

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Meet a Reader | Mary from Reflections Around the Campfire

The Frugal Girl

My mom cut coupons and sewed her own clothes and mine, as well. A lot of blood, sweat, and tears were shed here, but we both agree that having no mortgage gave us a serious leg up on our retirement savings and other financial goals. He diligently maintained our car and our house, doing all the work himself.

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Meet Tracy, a Single Mom Who Paid Off $41,587 | Debt Free Stories

Family Balance Sheet

The debt included overdraft protection, mattress, car, and a credit card (post divorce stress spending, clothes to accommodate the yo yo diets and weight for 2 years, a trip to Disney World & I’m sure several things that I don’t remember because I was spending without a plan). Since it’s a lifetime membership.

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