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How to Budget (and Pay) for Yearly Bills + a FREE Speadsheet

Family Balance Sheet

They can cause a panic, especially when just one bill is into the four figures, like our property taxes or auto insurance! For ideas to find those funds, read: 25 Ways to Find Money for Your Emergency Fund. Do you have a fund like this to pay those bills? How to Build your Emergency Fund.

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How We Paid off Six Figures of Debt

Family Balance Sheet

As part of his baby steps, he does not advocate contributing to retirement until after you’ve paid off non-mortgage debts and saved 3-6 months of expenses in an emergency fund. We didn’t stop going to the gym, but my husband figured out how to get a free membership, freeing up $67/month.

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

Family Balance Sheet

You can find blank calendar pages by Googling, “free calendar template” or I’ve found blank monthly calendars at the Dollar Tree. Also, my friend, Raki, offers a free blank calendar page if you sign up for her email newsletter. You can find that here: [link]. Set your calendar aside, and grab some lined paper.

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