Saturday, November 5, 2011

Working on everything

I feel like if I am not trying to better myself, I am just not living to my full potential. I didn't always feel this way, but I am happy that I do now. Not only am I working on losing weight, but I am also working on bettering all aspects of my life. Most recently I have been working on our finances. I just finished reading Dave Ramsey's "Financial Peace, revisited". My aunt gave me this book for my college graduation, which was over 3 years ago. I didn't care to read it until now. I'm happy that I did.

Needless to say, I am working on a budget and will be trying some new techniques in how we spend our money. First step is to start paying off our credit cards, which won't be hard at all. We have two of them and we don't use them much. I am also going to talk to my husband about trying the envelope method. I'm not sure if anyone else uses this, but please let me know if you do. I just read a bit about it and for those who are interested in hearing about it, the envelope method is where you keep envelopes for different areas in your budget and only use the money that is in there; when it's gone, it's gone. For example, if I budget that we will only use $400 for groceries/dining out this month, then at the beginning of the month I will put $400 in the evelope. Whenever we go grocery shopping, we take the money out. If we want to go out to dinner, we will have to see if there is enough money in the envelope. It's said that it will make you more concious of your spending by using cash instead of your debit for all purchases. It makes sense to me and I think that it would be fun to try it!

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