Family Balance Sheet

MAY 6, 2020

What got us through financially? Our emergency fund. I am totally paraphrasing the year, but had it not been for the money in our emergency savings, we would most likely have used credit cards to survive. I still use my spreadsheet to this day! It was a lifesaver, a sanity saver, and a marriage saver.

Debt 130

Debt Emergency Fund 2007 2020 130

Family Balance Sheet

APRIL 11, 2020

Pre-coronavirus, we didn’t think twice about shaking a stranger’s hand, using the ATM keypad, or going to the grocery store without donning a hazmat suit. My husband and I are self-employed and our business is considered essential, but very few people are leaving their homes right now, understandably.

Budgeting 246

Budgeting Budget Family Debt 246

Family Balance Sheet

JUNE 22, 2020

We had been renting for over 10 years and we were ready to find a property to move our business to and eventually build our net worth. Our business was doing very well, and we were excited about the opportunity to own a property outside of our home. Small home = Low Expenses. Everything looked great on paper.

Debt 130

Debt Health Insurance Insurance Budgeting 130

Family Balance Sheet

JUNE 8, 2018

I discovered the term, Zero-Based Budget, when my husband and I took Dave Ramsey’s Financial Peace University home course many years ago. We have been using this system ever since. A zero-based budget is planning for every single dollar of after-tax income. How to Start a Budget (and be successful at it!). lined paper.

Budgeting 133

Budgeting Budget Financial Goals Goals 133