Tuesday, September 8, 2009


I have tried the whole credit card thing... good thing i learned at an early age cash is the best way i budget my money. I can see it and know how much i have for each thing. I have separate envelopes for saving, water/trash, electric, gas for the car, car maintenance, furniture, car insurance, kids stuff, groceries, date night money, credit card payments, student loans, babysitting, vacation, gifts, tithing, and a few others. I don't look at it as a lump sum, say i have 2000 i don't see that number i see that i have 600 in vacation, 150 in electric, 100 in gifts and so on. No more spending on things i haven't thought about and don't actually have the money for.