Posts about money, about habits, about intentional living.
Budgeting as a word has a really bad rap. But done right, it's the sort of practice that makes the richest life possible, not just in the future, but right now.
You're never going to feel good about your money situation if you're not taking care of the basics of your money. The confidence you'll gain comes from the doing.
For as much as I write about the wonders of budgeting and getting out of debt, you'd think the contents of this post would appear every month on the regular. And while pieces of this certainly surface, this is the only place where I have most of my favorite tips. Lucky you!
As much as people say they would like to have more money and want less money stress, not everyone is actually ready for it. In this post, I describe what I've seen in those who are and who aren't ready.
There are several beautifully tangible benefits to taking care of your monthly money. In this post, I share 3 reasons why you, by budgeting, will have more money, even if your spending stays relatively the same.
No one likes to miss out on something awesome. And budgeting monthly money can be one of those things; awesome for the results it makes possible.
Ignoring is not a strategy when it comes to plants or money. Acknowledging and taking care of what you already have is a beautiful step toward having more—more peace, more money, and more joy.
Saving first sounds like a wonderful idea. Except when you can't actually afford to save. Get real about your monthly expenses to know how much you can actually save, and to stop the cycle of dipping into savings.
Getting on purpose with your money allows you to afford a life that is your sort of beautiful.
Perfectionism and perpetually waiting lead to a lack of living and progress. Are you willing to get the scuffs and smudges of taking risks for the sake of progressing in your precious life?
Whether in budgeting or time management, we can only improve our situation if we are willing to confront the facts of it. Conducting spending and time-management "reality checks" make it possible to plan for and get better results.
Mindset is critical in every arena–money, relationships, life circumstances. It's easy to trudge along figuratively watering thoughts and habits that will never yield the results we want. But there's a better way!
No matter what the future holds, budgeting and practicing healthy life habits can give you a very healthy sense of personal peace and power. Control what you can when things around you feel out of control.
If you believe negatively about yourself in any area, more than likely you will stay exactly the same or worse. Do yourself a giant favor this year and believe you can be different.
In this post, I share four reasons why budgeting is a blessing for any life, regardless of income or spending habits. Curious? Read on!
Budgeting with YNAB is pretty much the best thing you can do for your life. But it can be a little tricky on the go. In this post, I share tips for including the mobile app in your budgeting flow so you can stay successful with your money.
A "house" in Berlin spurred thoughts about the results of a lack of intention in both a house and in life. On the flip side, some intention in money and life planning go a long way at building something marvelous!
If you slump your shoulders and cringe when you hear the word "budget," this post is for you! It's totally possible to feel happy and in control of your money, even before you make millions. Read on to see how:)
A budget is not the boss of you. You are the boss of you, and budgeting in the YNAB way (budget actual money before you spend actual money) helps you make your best decisions.
How many accounts is too many? I would argue in a friendly way that having more than 4 spending accounts is unnecessarily complicating your life, and make a case to simplify.
Because lists are fun, and because most of us wouldn't mind keeping more of our money, here are ten suggestions for simpler spending and keeping more of your shekels for the things you really want.
So, where are ya headed? A reminder for all of us of the beauty and necessity of having direction in life. Swaying aimlessly without any direction is not a very sweet spot to be or waste our days!
The solution is always found in action. Pretty much any positive action will do! It’s like the action nudges us back to life, and we have momentum for reinvesting in being fully alive.
My life on a budget is 100% different than the bleak pictures shown and described in this post, and so much different in all good ways from life pre-budget. I know yours can be too!
A plan changes everything! My feelings of stress and guilt about my spending habits and financial picture were eliminated almost overnight when I decided to do something about them by, you guessed it, making a plan.
So, what does your long-term plan look like? Life has a way of trucking along whether you've got a plan for your future or not. But a legacy doesn't get built by accident! Here's a reminder to us all to make some plans for the long-term and the meaning of our lives.
Faux budgeting vs real budgeting. The difference is in acknowledging ALL the spending. Most of us have a Random category that ends up accumulating way faster than we think. So stop hiding all the things and get them out in the open!
A post dedicated to my fine-feathered, college-age students. It's also relevant for anyone who thinks they do not need/can't budget.
If you think that truly nothing in your budget can be trimmed or tweaked, you will keep getting exactly the same results you have been living with. By identifying which ones could *potentially* be tweaked, you may discover you actually have some wiggle room.
One of the side effects of budgeting is an awareness that every dollar spent is a dollar not spent on or put toward something else. A fun story about budgeting and switching phones from yesteryear.
And somehow in this post, I've mashed together Steinbeck, Kristen Wiig, Jazz music, and budgeting. Oh, and some philosophy on choosing in life.
Excuses: they sure can be fun to make but they’re not very fun to live out. Those excuses keep you living with a reality that only you can decide if you’re happy with. Some encouragement to drop the excuses and start living better.
Sometimes you just need a fresh start. The effort you would spend (no pun intended) backtracking to get everything in your budgeting tool is simply not worth the effort. Plus, starting fresh allows you to approach things with new perspective!
Being an intentional shopper keeps you on track with your financial goals with the added bonus of all the good feelings that go along with being an intentional consumer.
Once you get on purpose with especially a financial goal, implement these five tips to stay on purpose. And as you make progress, you'll find the motivation you've been looking for.
If you're feeling strapped for cash, you have company. Like, a lot of it. 4 in 10 Americans in 2019 could not pay cash for an unexpected $400 expense. Whether in the 40 percent or the 60 percent, it's a good reminder to budget to have a financial buffer for the unexpected.
Sometimes you can’t plan everything in life. You can’t plan every single purchase or event in life. And sometimes it is the right thing to do to be spontaneous.
An ode-to-summer and self-employment, reading, and practicing.
I want to make good choices and not squander my freedoms. I want to sacrifice more for the things that matter more. And perhaps one day be remembered, if only by my family, for something more than “she liked to be comfortable.”
People ask what I think about other budgeting tools; here's my trying-very-hard-not-to-be-biased take on one of the more well-known tools out there, Mint.
The right tool for the job can make all the difference. Budgeting was rather a joke all of my adult as I hobbled along with Excel spreadsheets. The right tool made all the difference.
A trip with my dad to a remote and rather creepy ghost town has me waxing thoughtful about the way we all have dreams and the ways we invest in them and our futures.
The future is a wealth of surprises for all of us. One could say that we are rich in future surprises. Yay us! The way to be "heck yeah" ready is to be getting financially ready now. Read on!
Sometimes you just need to rebuild your website and remember why you're doing what you're doing. In this post, Bobsey becomes Moso and I wax philosophical (or at least wordy) about the motivation behind this blog.
In case you're sick of hearing (reading) me talk (write) about money, here's a life habits post. One hint: you may never look for your keys again!
A post in which I celebrate my first paid-for-in-cash vacation (this is the only way to go from here on out!) and catch up on springtime happenings.
The start of a new month means many of us have come into some new money (in the form of a paycheck). In case you haven’t yet gotten to distributing yours to your budget, I thought I’d share my step-by-step:)
As teenagers, my brother and I had big plans for an amazing clubhouse. I saved my portion of the money, and squandered it. How often do we do the equivalent with our big kid dreams?
Isn’t it worth a little supervision of your spending on your dollars (per your own rules, by the way) to know that you can dream and make those dreams come true?
Something magical happens when a person, previously adrift aimlessly picks a point of the shore he or she is going to aim for and starts making toward it.
A reminder that we–our developed and inherent talents, skills, abilities and our confidence in them and in God’s ability to help us–are the best assets and the most secure things we have.
The purpose of this particular blog post is to help change the feelings that people like us have about managing money. Without further ado, here are some (5) reasons to start whistling a happier tune about budgeting.
As I put myself on this blessed budget, I’ve learned a couple things that have made dining out more budget-friendly. Read on for 5 tips that may help you, like they have me, to still enjoy social eating and hit your financial goals.
With the goal of debt payoff in sight, I decided to tighten the belt (only figuratively). Guess what this means–more packed lunches, tasty or not!
Five tongue-in-cheek reasons describing why you should not budget actually highlight the reasons why you should and what you have to gain by doing so. Hint: it involves joy and peace and doing some good in this world.
Just a quick reminder to just start whatever it is you've been putting off. Excuses are a really lame roadblock keeping us stuck right where we are and that, pals, is not where we're meant to stay.
More than I love budgeting, I love the feeling of gaining momentum with my finances. Here are the two surefire ways of gaining traction - trimming expenses and increasing income. Also, a recommendation for an excellent 80's movie.
Having a plan and a direction is good. So good. To call out a couple areas, time, money, and life all work out way better when we create a plan for each of them and do our best to stick to it. You'll like this one.
An ode to pancakes. Or rather, an ode to at least sometimes making inexpensive food choices and choosing to eat at home more often. Not always the tastiest, it's still a good habit and one we should all celebrate. Party!
A grueling Labor Day hike is the perfect chance to talk about doing hard things. Whether that be summiting a mountain or paying of mountains of debt, we can do the hard things!
With a reflective step back, I'm more sure than ever about the purpose of this site and my writing. A good reminder to all of us to remember the "why" behind the things we pour energy into.
Let's talk about freedom, shall we? I'm talking about the personal freedom we sometimes give away or take for granted. Technology and spending are two areas where we sometimes abdicate responsibility, to our detriment.
Some small things have made a huge difference in helping me stay organized during real life. Here are some, okay, four, of my favorite resources/tools that you may find helpful too!
This entire blog is my big ode to budgeting, and this post is a small part of that ode. An email from an oversees benefactor got me thinking about budgeting even if I won the lottery. Or a wire transfer from the Middle East. Both good.
Do you guys remember cash? It's paper, it's green, you can use it to buy stuff? We are definitely more of a plastic economy (using cards) but cash is still money and you'll keep more of it if you track it. Interested? Good!
The story of a really, really drastic hair cut and life lessons (you're welcome) about taking risks, eliminating things we cling to out of comfort or laziness, and not worrying about what other people think about you. It's none of your business:)
One of my more embarrassing moments from the "rice and beans" days of paying off debt. But also, some motivation that it's okay to have some of those moments for the greater good of your future.
All of college is made better with planning, and college life finances are no exception. Here are four unsolicited tips for not letting college be the most expensive four years of your life. Set yourself up for success!
Small things pay big dividends in the bigger areas of life. I think of small things as the cement or concrete (can never remember the difference) that holds the big rocks of life together.
You want to spend intentionally, and not have your future sabotaged by your present spending. These four steps help you do spend intentionally by untangling expenses from each other and keeping them organized.
Once you have the facts of your money on paper, a zero-based budgeting tool can take your financial and life progress to the next level. But before you make wild changes in the direction of your goals, learn to budget within your current reality.
Not only will budgeting not ruin your life, but approached with the right attitude it can honestly be fun! Can it really be like running your own small economy or country? You bet it can. A sovereign, well-run nation of [insert your name here].
A very random laundromat conversation and the thoughts that followed. Basically, a reminder to all of us to not try harder to be ourselves, but to rather stop trying to rub all our uniqueness off by being like the rest of the herd.
A tribute to my remarkable grandparents and the rich life they cultivated in appropriately-named Bear Canyon. Their examples inspire simplicity and a focus on what really matters in life.
All of us have a lot of stuff. A LOT. Practical, sentimental, useless, and we spend a lot of time taking care of it, cleaning it, moving it, and in some cases lugging it around physically with us. Let's lighten up!
Budgeting is, surprisingly, not something most people love. They associate it with deprivation and the cessation of anything fun and nice about life. Here are five reasons why budgeting will not actually ruin your life!
In contrast to a hobby that hones a body and character, consumerism can be a dead-end street especially when you can’t or shouldn’t afford the purchases.The guilt or vague uneasiness for bad spending will set in whether it be soon or late. And that is not fun!
The first step to improvement daily routines and money matters is to look at them pragmatically. Only when you take an honest look at the circumstances can you change anything about them. It's a beautiful thing!
Let's get some introductions out of the way. Like, why I'm doing this blog and why you might be here.