We use online payment tools to pay the monthly bills like our mortgage, utilities, phone and the such. We use a cash envelope system for all the other monthly expenses and I will post on that soon.
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Track your spending by keeping all your receipts for the following month and find areas that you can cut your spending. Set realistic goals, and stick to them. We found that shopping sales and using coupons helped us cut our grocery bill drastically. We budget $400 total for grocery and dinning out per month. This usually breaks down to $75 per week for grocery and $25 for dinning out. We stock up on items that go one sale and freeze meats and produce when needed. A great resource for learning when to stock up on items is the book Saving Savvy: Smart and Easy Ways to Cut Your Spending in Half and Raise Your Standard of Living...and Giving, by Kelly Hancock. It took a few months to get a stocked pantry and freezer, but now it is all set and we are able to restock when needed.
Good luck with your budgeting adventures!
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ReplyDeleteOur family also uses online payment tools and cash envelope system to maintain our budget! These methods of controlling your expenses really work. Thank you so much for this printable, I'll start to make notes in it right now ;)
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