
Read Part 1 of this series here.
3. Get Your Home & Life in Reasonable Order
Once you’ve determined to streamline your life and set some goals, now it’s time to crack the whip and make changes in your life. While you might want to jump in and start clipping coupons or chasing bargains — don’t!
If your home isn’t in reasonable order and you already feel like things are spinning out of control, adding more things to your to-do list is only going to create chaos and frustration.
Take a step back and look around your home: what are the biggest areas you are struggling with? Laundry? Piles of clutter? Lack of organization or a plan? Too much to do?
Take inventory of your current time usage: are your priorities in order? Are you spending time enjoying and loving on your family members? Are you getting enough rest? Do you have margin in your life? Are the unimportant things crowding out the important?
If you feel like you are living in complete chaos, you need to do major cutting from your life. Say “no” to outside commitments and responsibilities. Don’t feel obligated to other people. Don’t start anything new.
Instead, stay home, make a simple plan for your days (my upcoming series on Time Management will hopefully be very beneficial in helping you there!) and stick with it. A plan doesn’t work unless you do!
Your home and life didn’t get out of control in one day and they are not going get back under control in one day, but you can make baby steps in the right direction every single day. So, determine what are your biggest problem areas and begin attacking those one at a time.
(There’s much more I could say on this subject, but I’m going to save it for my Time Management series which I’m beginning on Friday.)
4. Create a Workable Budget
Once your home is beginning to start to get in order (and, in most cases, that will take a few weeks), then it’s time to tackle budgeting.
Yes, I said the “B” word. You gotta make a budget.
You know why? Because if you do nothing else when it comes to finances — if you never clip a coupon, never buy used and never eat leftovers — but you devise a simple zero-based budget and you follow it, you’ll benefit a great deal.
A workable zero-based budget is going to take work. It won’t just happen. But if you commit to making it and then following it, it will very likely change your world — and your financial situation!
For more help with creating a zero-based budget, I highly recommend you check out The Total Money Makeover from your library. You can also read Dave’s article on The Truth About Budgeting. And here are some free downloadable budgeting forms to get you started.
If you’ve never had a budget before, expect it to take at least three months to get a workable budget in place. The first few months you’ll likely overfund some categories and underfund others; it’s a work in progress, so don’t worry if you don’t get it right the first few times. You’ll see headway just by trying, I promise!
I also highly recommend that you use cash envelopes for much of your spending categories. This guarantees that you stay within the budget parameters because, with cash, when it’s gone, it’s gone.
Stay tuned for tomorrow’s post on babysteps towards better financial success!
What would be your top tip or piece of advice for someone who is feeling like their life and home is chaotic and disorderly?
photo by Muffet


![j-c-frugal[3]](https://moneysavingmom.com/wp-content/uploads/2010/10/j-c-frugal3.jpg)














Did you snag any great deals or bargains this week or save money in other ways? If so, be sure to post about them on your blog and leave your link below. Please remember that this weekly round-up is to share deals you personally got and/or money you were able to save this week. In order to keep this weekly round-up focused on helping and inspiring others in their efforts to save money, links which have little-to-no content other than promoting affiliate links, etc. will be deleted. Also, to make it easy for everyone to navigate quickly through the links, your link must link directly to your Super Savings Saturday post.
My husband’s uncle is a car dealer. We talked to him early on in the process and told him what we were looking for. Once we had the money saved up (all $13,000!) we gave him a call and he began the search.
