I have made a lot of dumb money decisions in the past. I must confess, I’m not a fan of delayed gratification. I used to make decisions on impulse especially in buying nice things because… Read More »The Power of Delayed Gratification
August has quickly come and gone! Winter is finally over in our neck of the woods. It’s a relief to feel some warmer days after hibernating in the freezing temps for some time. I speak… Read More »August 2020 Budget Summary
Let me speak my gratitude for this week: I feel mighty proud of myself for assigning every penny a job! It has helped me get my butt into gear. I have been seriously tweaking our… Read More »Thankful Thursday
Today, we gave ourselves permission to spend money and to spend time with each other as a couple: child-free and guilt-free. It is extremely important that even when we live on a budget, we feel… Read More »How to Give Yourself Permission to Spend Money
Zero-Based budgeting is the perfect method for our family; I can say this now with such confidence. I have now mastered the art of creating our budget successfully based on this method. At first, I… Read More »Zero-Based Budgeting, the Method that Changed my Life Forever
The cash envelope system is never new; it has been used for ages. However, not too many people understand how to maximise its benefits. It aims to basically stop you from going overboard on your… Read More »The Cash Envelope System, the Ultimate Weapon to Fight Overspending
Creating a budget is a very personal process. It is a reflection of the values you uphold. Joe Biden was quoted as saying: “Don’t tell me what you value, show me your budget and I… Read More »Progression is Key, Not Perfection
Last week, just when I was doing my daily 15-minute routine of checking our budget and our bank account online, I noticed a very unfamiliar payment out of our account. I did not process this… Read More »A Mistake is not an Excuse to Quit
It only costs $0.00 to be grateful for what we already have so please allow me to speak my gratitude out loud for this week: I am grateful that I am able to celebrate months… Read More »Thankful Thursday
One of the hardest things to accomplish in our financial journey is learning about and acknowledging the spending decisions. The key step when we seriously dealt with budgeting was identifying our needs versus wants. It… Read More »When You Know Better, You Do Better