Creating a budget can lead to a lot of emotions: fear, frustration, anger, guilt, anxiety; but it can also lead to calm and contentment. A written budget tells your money what to do for you. This control over your income and outgo, is the key to achieving financial peace.
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Every adult family member needs to be involved in the budget process, whether they contribute an income or not. It’s important that each person’s voice be heard and their vote count. One person may create...
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My Secret Envelope
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My Secret Envelope
I have a secret envelope, and it is hidden in a special place. At one point last year, this envelope had $2,500 in it. The money that goes into it does not come from a paycheck or tips from a part time job. The money in this secret envelope comes from selling items we no longer need around the house.
This envelope is my envelope. I get to choose where to spend the money. It has funded some really nice things like a new chair for the office and upgraded tile for the new shower. I was...