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I'm Doing a Pantry Challenge in February

Family Balance Sheet

In an effort to find some extra money to fund our Christmas Savings Account , I'm doing a pantry challenge in February. become a fan and 'like' FBS on Facebook. My goal is to plan February's menu around what is currently in my pantry and freezer and fill in any needs at the store, but reduce my overall monthly grocery expenses.

February 100
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Christmas Savings Club | July Meeting

Family Balance Sheet

I was able to transfer the $100 to our savings account in July, but I''m still short from June when I needed to use some of the savings for other gifts that we needed to buy last month. Any grocery money that is left over at the end of August will go towards my Christmas Savings Account to make up for my shortfall from June.

Club 100
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1st Meeting of the Christmas Savings Club

Family Balance Sheet

I'm using a savings account that was used previously for another goal. By our next meeting on February 25, your first assingment is to open up a designated savings account specifically for your Christmas savings. Personally, I opened up a separate ING Direct online savings account for our Christmas savings.

Christmas 127
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Christmas Savings Club | June Meeting

Family Balance Sheet

At the beginning of June, I was able to transfer the $100 to our savings account, however we had a lot other gifts to purchase in June and I ended up using some of our Christmas money to cover the money spent. Do you have a shortfall in your Christmas savings account? become a fan and ''like'' FBS on Facebook.

June 100
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Christmas Savings Club | May Meeting

Family Balance Sheet

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. It feels good to watch out savings account grow and I now I''m going to be less stressed in November when we start our Christmas shopping, because we''ll have the cash in our account.

Club 100
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Planning for Christmas 2011

Family Balance Sheet

I then divided that new number by 12 and that is the dollar amount that I am going to transfer to a savings account every month. I added up what we spent on gifts for the entire year in 2010 and reduced that by 20%. I'll use that money through out the year for birthday gifts along with Christmas presents in December.

Christmas 138
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My Binder System for Organizing Some Important Areas of My Office and My Life

Family Balance Sheet

I keep separate binders for our Business Expenses & Statements , Business Taxes , Health Savings Account , Retirement , my passwords (with alphabet tabs), and Workouts. 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.

Office 159