Do you remember what your life was like last year?  Were you ever stressed out about your finances? Did you ever have a time where you didn’t know if your payment would go through or not?  Did you struggle to make a budget and stick to it? If you experienced any of these things, did…

We all feel like we have a million monthly expenses, am I right?  The money seriously just flies out the window every month with so many little things, in addition to our “maintaining our life” necessities.  Sometimes we don’t even know what our expenses are until we actually sit down, look at them and put…

Wondering how to actually create a budget?  I promise you, it is super simple. For some reason, when I first started budgeting and knew that meant I had to actually put together a physical budget, I was completely overwhelmed. I remember staring at a pile of paperwork (bills, loan statements, insurance papers, receipts, on and…

You’ve done it.  Your budget for the upcoming month is p-e-r-f-e-c-t.  You reviewed the previous month, planned for what’s coming and honed that beautiful budget to absolute perfection.  Nothing can ruin your budget now! Let’s flash-forward to the end of the month where you end up coming up short.  You found yourself eating out five…

Emergencies happen.  Unfortunately, they always seem to happen right when we least expect it and are least prepared for it (ie. no emergency fund savings).  Sometimes a spark plug blows right after you fix a broken axle and think you are done with car repairs. Other times, your air conditioner breaks in the dead of…