Family Funds *{Polka Dot Whimsy}* March 2009

Cheers

April 12, 2011

This is wonderful! My husband is actually on the new FPU dvd's. He was working for the State of TN as well as delivering pizzas to pay down student loan debt. We've been using the envelopes that come with the FPU set, but this is MUCH prettier! I just ordered this book for myself so I can have a cute envelope system too. Thanks for the idea!!!!!!

March 10, 2009

Family Funds {Polka Dot Whimsy} March 2009

I did the Financial Peace program from Dave Ramsey a few years back and have the books and all but have loosely done it for the last couple years (explaining why my savings account was dwindling!). So now that we are getting in shape physically (doing WW) I figured it was time to get in shape financially too. So when I opened the PDW kit and saw this Maya Road book with envelopes and tabs I was like --YEAH!!!

I don't use envelopes for all the categories Ramsey says too, like Utilities, because I pay those directly out of our account and there is no need to withdraw cash and put it in an envelope for that. There's really only 4 things I need cash for: clothes, food, gas, and fun money (or as Dave calls it, "blow money"). I made this little binder to go in our safe. When I am supposed to spend that money, I can take out the apporpriate envelope and spend only what I have. This is going to save me thousands of dollars!! So I had to make it cute so I would actually use it.

All Supplies from March 2009 Polka Dot Whimsy Kit

Alphas, Patterned Paper - My Little Shoebox, American Crafts
Cardstock - Bazzill
Stickers - American Crafts
Book - Maya Road