Comments on: Budgeting 101 – Part 1 http://moneysavingmom.com/2008/08/budgeting-101.html Helping You Be a Better Home Economist Thu, 24 May 2012 23:24:18 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: Sherri http://moneysavingmom.com/2008/08/budgeting-101.html/comment-page-1#comment-280033 Sherri Thu, 21 Aug 2008 15:48:39 +0000 http://moneysavingmom.net/2008/08/budgeting-101.html#comment-280033 A budget is a great thing. That was the best advice we got as newlyweds. Fourteen years and only one argument over money (because it was a trip to be in a wedding that didn't fit into one of our categories- and God came through with the money from another source!). When you plan to spend less than you make, you can build up a reserve fund, and then you have the flexability when unexpected things come up- and not stress! A budget is a great thing. That was the best advice we got as newlyweds. Fourteen years and only one argument over money (because it was a trip to be in a wedding that didn’t fit into one of our categories- and God came through with the money from another source!). When you plan to spend less than you make, you can build up a reserve fund, and then you have the flexability when unexpected things come up- and not stress!

]]> By: kelly http://moneysavingmom.com/2008/08/budgeting-101.html/comment-page-1#comment-280032 kelly Thu, 21 Aug 2008 06:36:01 +0000 http://moneysavingmom.net/2008/08/budgeting-101.html#comment-280032 I am so excited.. My daughter is going to be a new mother in Jan and I am trying to teacher how to coupon and this will be great for both of us to get started at the same time. I am so excited.. My daughter is going to be a new mother in Jan and I am trying to teacher how to coupon and this will be great for both of us to get started at the same time.

]]> By: Alissa http://moneysavingmom.com/2008/08/budgeting-101.html/comment-page-1#comment-280031 Alissa Wed, 20 Aug 2008 23:23:31 +0000 http://moneysavingmom.net/2008/08/budgeting-101.html#comment-280031 Hi, and thanks for all of your great information. I started using the You Need A Budget software this month and I LOVE it. FINALLY my budget is making sense to me! Husby and I have been on the same page about money! I am so glad I found something that works because, indeed, I do need a budget. Also, since you are so very talented on making referral programs and whatnot work, he has a referral program, so if you look at his software and decide you like it I bet you'd do well with referrals :) I visit your blog often, you do such a nice jobs with it. Thanks Again, Alissa Hi, and thanks for all of your great information. I started using the You Need A Budget software this month and I LOVE it. FINALLY my budget is making sense to me! Husby and I have been on the same page about money! I am so glad I found something that works because, indeed, I do need a budget. Also, since you are so very talented on making referral programs and whatnot work, he has a referral program, so if you look at his software and decide you like it I bet you’d do well with referrals :) I visit your blog often, you do such a nice jobs with it.
Thanks Again,
Alissa

]]> By: Tara http://moneysavingmom.com/2008/08/budgeting-101.html/comment-page-1#comment-280030 Tara Wed, 20 Aug 2008 20:45:21 +0000 http://moneysavingmom.net/2008/08/budgeting-101.html#comment-280030 I am excited to read this series. I just finished reading Dave Ramsey's "Total Money Makeover" and my husband and I have committed to using a budget for the first time. I thought it would be limiting but am finding that it really does bring a sense of freedom like one of the previous posters said! I am excited to read this series. I just finished reading Dave Ramsey’s “Total Money Makeover” and my husband and I have committed to using a budget for the first time. I thought it would be limiting but am finding that it really does bring a sense of freedom like one of the previous posters said!

]]> By: creatively homemaking http://moneysavingmom.com/2008/08/budgeting-101.html/comment-page-1#comment-280029 creatively homemaking Wed, 20 Aug 2008 16:55:40 +0000 http://moneysavingmom.net/2008/08/budgeting-101.html#comment-280029 I am with Carrie, I LOVE budgeting as well. I have so much fun creating our monthly budgets and then doing all I can to make sure our family expenses fit into. Its a game for me. And I too, am currently about to put up a post regarding budgeting on my blog. However, it looks like I might just put a post that says "Go Read Money Saving Mom's series on Budgeting!" You are such an inspiration to all of us who strive to biblically manage our homes! Thanks, Larra www.creativelyhomemaking.blogspot.com I am with Carrie, I LOVE budgeting as well. I have so much fun creating our monthly budgets and then doing all I can to make sure our family expenses fit into. Its a game for me. And I too, am currently about to put up a post regarding budgeting on my blog. However, it looks like I might just put a post that says “Go Read Money Saving Mom’s series on Budgeting!”
You are such an inspiration to all of us who strive to biblically manage our homes!
Thanks,
Larra
http://www.creativelyhomemaking.blogspot.com

]]> By: carrie @ Heart of a Servant http://moneysavingmom.com/2008/08/budgeting-101.html/comment-page-1#comment-280028 carrie @ Heart of a Servant Wed, 20 Aug 2008 14:51:35 +0000 http://moneysavingmom.net/2008/08/budgeting-101.html#comment-280028 I LOVE budgeting!! IT has really saved our finances! I actually just did a series of posts on home budgeting with worksheets for people to print out on my website: Heart of a Servant! I hope it will help people learn how to create a simple and use-able budget!! Thanks for sharing this Crystal!! http://2livinglightly.blogspot.com/2008/07/home-budgeting-101-part-one.html Sincerely, Carrie @ Heart of a Servant I LOVE budgeting!! IT has really saved our finances! I actually just did a series of posts on home budgeting with worksheets for people to print out on my website: Heart of a Servant! I hope it will help people learn how to create a simple and use-able budget!! Thanks for sharing this Crystal!!

http://2livinglightly.blogspot.com/2008/07/home-budgeting-101-part-one.html

Sincerely,
Carrie @ Heart of a Servant

]]> By: Jesabella http://moneysavingmom.com/2008/08/budgeting-101.html/comment-page-1#comment-280027 Jesabella Wed, 20 Aug 2008 14:49:50 +0000 http://moneysavingmom.net/2008/08/budgeting-101.html#comment-280027 I can't wait to read this! We are trying to set up a budget now and recently started the Dave Ramsey way of living. I need to educated though. I have been trying to start this and I am a little clueless. Thank You Thank You Thank You for starting this series! I can’t wait to read this! We are trying to set up a budget now and recently started the Dave Ramsey way of living. I need to educated though. I have been trying to start this and I am a little clueless. Thank You Thank You Thank You for starting this series!

]]> By: Sarah Greenwood http://moneysavingmom.com/2008/08/budgeting-101.html/comment-page-1#comment-280026 Sarah Greenwood Wed, 20 Aug 2008 14:44:04 +0000 http://moneysavingmom.net/2008/08/budgeting-101.html#comment-280026 So timely for us. I've been trying to do here and there what I can to cut back on spending and have come to realize that I absolutely must cut down and whittle away at my spending and a budget is absolutely the way to do it. :) So timely for us. I’ve been trying to do here and there what I can to cut back on spending and have come to realize that I absolutely must cut down and whittle away at my spending and a budget is absolutely the way to do it. :)

]]> By: Trixie http://moneysavingmom.com/2008/08/budgeting-101.html/comment-page-1#comment-280025 Trixie Wed, 20 Aug 2008 14:20:30 +0000 http://moneysavingmom.net/2008/08/budgeting-101.html#comment-280025 Hello! I couldn't agree with you more. Budgets (or spending plans) really do make your life easier! Its really amazing how excited people get about a budget once they see it is practice and experience the freedom it brings. I recently wrote a little series on how we manage our finances and budgeting and am including a link in case anyone is interested. http://farmhomelife.blogspot.com/2008/01/fresh-look-at-finances-part-i.html Take Care, Trixie Hello!

I couldn’t agree with you more. Budgets (or spending plans) really do make your life easier! Its really amazing how excited people get about a budget once they see it is practice and experience the freedom it brings.

I recently wrote a little series on how we manage our finances and budgeting and am including a link in case anyone is interested.

http://farmhomelife.blogspot.com/2008/01/fresh-look-at-finances-part-i.html

Take Care,

Trixie

]]> By: momof4sweetsisters http://moneysavingmom.com/2008/08/budgeting-101.html/comment-page-1#comment-280024 momof4sweetsisters Wed, 20 Aug 2008 14:16:48 +0000 http://moneysavingmom.net/2008/08/budgeting-101.html#comment-280024 I'm so glad your doing this! I need a pep talk, something to keep me going! We have a group of teens going through the homeschool version of Financial Peace and that has really helped to keep us (me especially) striving towards our goal, since I'm the one doing 90% of the spending. I’m so glad your doing this! I need a pep talk, something to keep me going! We have a group of teens going through the homeschool version of Financial Peace and that has really helped to keep us (me especially) striving towards our goal, since I’m the one doing 90% of the spending.

]]> By: Denise http://moneysavingmom.com/2008/08/budgeting-101.html/comment-page-1#comment-280023 Denise Wed, 20 Aug 2008 14:11:27 +0000 http://moneysavingmom.net/2008/08/budgeting-101.html#comment-280023 I'm game to follow along. I am familiar with Dave's books too. Still struggling to get organized with each month's bills. We don't have any credit cards, but have one 'stupid' personal loan that we are crumbling away at. Looking forward to the remainder of these posts. I’m game to follow along. I am familiar with Dave’s books too. Still struggling to get organized with each month’s bills. We don’t have any credit cards, but have one ‘stupid’ personal loan that we are crumbling away at. Looking forward to the remainder of these posts.

]]> By: Rach http://moneysavingmom.com/2008/08/budgeting-101.html/comment-page-1#comment-280022 Rach Wed, 20 Aug 2008 13:47:33 +0000 http://moneysavingmom.net/2008/08/budgeting-101.html#comment-280022 We budget and I just learned how to coupon properly. I LOVE it! Now, if I could just get my ever-loving house clean and KEEP it that way! Just posted about that... :) We budget and I just learned how to coupon properly. I LOVE it!

Now, if I could just get my ever-loving house clean and KEEP it that way!

Just posted about that… :)

]]> By: laura http://moneysavingmom.com/2008/08/budgeting-101.html/comment-page-1#comment-280021 laura Wed, 20 Aug 2008 13:29:49 +0000 http://moneysavingmom.net/2008/08/budgeting-101.html#comment-280021 A written budget is a big, big deal. We don't do it precisely the way Dave Ramsey does, but our process is similar. We also use an envelope system. I have this nifty red wallet I got at Goodwill. It has lots of different pockets. One is for grocery/household money, one is clothing money, one is the fund to get things for our toddler. We put the $$ in at the beginning of the month, and that's it! When the money is gone, stop spending! A written budget is a big, big deal. We don’t do it precisely the way Dave Ramsey does, but our process is similar. We also use an envelope system. I have this nifty red wallet I got at Goodwill. It has lots of different pockets. One is for grocery/household money, one is clothing money, one is the fund to get things for our toddler. We put the $$ in at the beginning of the month, and that’s it! When the money is gone, stop spending!

]]> By: Dona http://moneysavingmom.com/2008/08/budgeting-101.html/comment-page-1#comment-280020 Dona Wed, 20 Aug 2008 13:29:07 +0000 http://moneysavingmom.net/2008/08/budgeting-101.html#comment-280020 My husband has finally caught onto the budgeting bug--he now prints up biweekly reports from our quicken and shows them to me so we see if we are still on track! I love it! Its been funny, we have kept our personal spending on budget, but other unforseen things have stepped in--without the budget in place those things in the past would have likely caused us to dip into our scrimpy savings. I am concerned about Christmas though--my family had a big get together recently and they are drawing names this year (some relatives are in that are not normally here) so this was added an additional 4 people for us to buy for to our list. Even though I sort of let people know that I did not want to be in the list--it was sort of pushed on me because of us having kids. We do not spend a lot on our kids compared to most people, so I am very limiting, but even setting aside 25 a person can add up quite quickly! So I hope you can find time Crystal---to share on your budgeting-- tips for budgeting for Christmas. With all your siblings--do you draw names, buy for them all--how do you budget for Christmas? My husband has finally caught onto the budgeting bug–he now prints up biweekly reports from our quicken and shows them to me so we see if we are still on track! I love it!

Its been funny, we have kept our personal spending on budget, but other unforseen things have stepped in–without the budget in place those things in the past would have likely caused us to dip into our scrimpy savings.

I am concerned about Christmas though–my family had a big get together recently and they are drawing names this year (some relatives are in that are not normally here) so this was added an additional 4 people for us to buy for to our list. Even though I sort of let people know that I did not want to be in the list–it was sort of pushed on me because of us having kids. We do not spend a lot on our kids compared to most people, so I am very limiting, but even setting aside 25 a person can add up quite quickly!

So I hope you can find time Crystal—to share on your budgeting– tips for budgeting for Christmas. With all your siblings–do you draw names, buy for them all–how do you budget for Christmas?

]]> By: Deborah http://moneysavingmom.com/2008/08/budgeting-101.html/comment-page-1#comment-280019 Deborah Wed, 20 Aug 2008 13:25:20 +0000 http://moneysavingmom.net/2008/08/budgeting-101.html#comment-280019 I'm really looking forward to this series. I've been trying to budget but end up getting frustrated and feeling defeated and then I quit. Here's to trying again!! I’m really looking forward to this series. I’ve been trying to budget but end up getting frustrated and feeling defeated and then I quit. Here’s to trying again!!

]]> By: Jeanine Brown http://moneysavingmom.com/2008/08/budgeting-101.html/comment-page-1#comment-280018 Jeanine Brown Wed, 20 Aug 2008 13:18:16 +0000 http://moneysavingmom.net/2008/08/budgeting-101.html#comment-280018 This is absolutely fantastic!!! I can't wait to start my budget, which I have been meaning to do, with your help! Thanks so much for all your postings and for helping me become more frugal! Thanks again! Jeanine This is absolutely fantastic!!! I can’t wait to start my budget, which I have been meaning to do, with your help! Thanks so much for all your postings and for helping me become more frugal!
Thanks again!
Jeanine

]]> By: Alexandra @ Mommy's Got Green http://moneysavingmom.com/2008/08/budgeting-101.html/comment-page-1#comment-280017 Alexandra @ Mommy's Got Green Wed, 20 Aug 2008 13:09:24 +0000 http://moneysavingmom.net/2008/08/budgeting-101.html#comment-280017 I need to get my hubby to read this series. I practically forced him to read Dave Ramsey, but he isn't much of a reader anyways. He prefers me to outline whatever I read for him. Read that as he is lazy about reading. Anyways, I know this was a re-post, but Crystal you always post something that I needed to read at just that moment. It is starting to creep me out. :) But it's so awesome so keep it coming. I need to get my hubby to read this series. I practically forced him to read Dave Ramsey, but he isn’t much of a reader anyways. He prefers me to outline whatever I read for him. Read that as he is lazy about reading. Anyways, I know this was a re-post, but Crystal you always post something that I needed to read at just that moment. It is starting to creep me out. :) But it’s so awesome so keep it coming.

]]> By: Sunnie in NC http://moneysavingmom.com/2008/08/budgeting-101.html/comment-page-1#comment-280016 Sunnie in NC Wed, 20 Aug 2008 13:06:08 +0000 http://moneysavingmom.net/2008/08/budgeting-101.html#comment-280016 Ohhhhh I can't wait!!! Bring it on!!! Single parent here with a teenager; I am interested in saving every penny I can!! Ohhhhh I can’t wait!!! Bring it on!!!
Single parent here with a teenager; I am interested in saving every penny I can!!

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