Monthly Status Report: July 2016

Why do I do a month­ly sta­tus report? I find it best to do a month­ly sta­tus report for a few rea­sons. It helps me eval­u­ate how I did the pre­vi­ous month. Did I hit a tar­get reduc­tion in spend­ing or did I go way over bud­get for a par­tic­u­lar cat­e­gory? Did I earn more? What was my over­all sav­ings rate? It helps keep me account­able. How … Read more

Monthly Spending Report: October 2015

  In last month’s spend­ing report, I said Octo­ber would be a fun and busy month. Lit­tle did I know that the last 31 days would beat every expec­ta­tion I had! My month start­ed off with my Mom com­ing into town for a ‘just-us-girls-week­end’. We had a blast wan­der­ing through the quilt show (and spend­ing tons of mon­ey on the … Read more

The Basics of Budgeting

Every­one says hav­ing a bud­get is the first step on the jour­ney to finan­cial inde­pen­dence. Ok, fine, almost every­one. But, no one ever tells you what a bud­get should look like or even how to make one.  Bud­gets can be dev­as­tat­ing­ly sim­ple or hel­la com­pli­cat­ed. What your bud­get looks like depends sole­ly on you and your sit­u­a­tion. … Read more