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The Living Without Series

This is a series of posts that I wrote back in 2006 on living with less stuff. Check them out: liv011Living #2liv031liv04

Coal Creek Farm on Facebook

The Chicken Doctor


The Architect


Dave Ramsey Give Away!!!!

This, my friends, is the envelope system. It’s one of the tools you get when you take Dave Ramsey’s Financial Peace University class. It’s also my new best friend. Here’s where you can order one.

Before I had this handy-dandy thing I was using business envelopes held together with a fancy paper clip. It was very inconvenient and after two months I refused to use them anymore. I love the coin bag in this one and being clear makes it so much easier to fish out the two dimes and three pennies or 1 quarter, two dimes and four pennies or whatever, it makes using my change much easier.

The envelopes are labeled by our budget categories. Here’s the one that irritates me the most. I think I might scribble out sports and write dancing or stardust sprinkles or rose petals, anything would sound better than SPORTS! Not that I’d be spending money on dancing, stardust sprinkles or rose petals, but those could be my code names for ‘I have to pay two bucks a head for my two little kids to run around the side court and tell me they are starving to death every fifteen minutes while I endure sitting on a cold metal bench’…..oh, wait, sorry…that’s a different post. Back to the envelope system.

We have one for dining. We can’t go out to eat unless there is money is this envelope. Once the money is gone then, NO SOUP FOR YOU!!!

This is the envelope that is getting worn out. The category boxes on the front, side and back of the envelope are used to track any expense we don’t receive a receipt for but have used some of the cash to purchase it. We’ve been using this envelope system for a few months and it really does work. You will become incredibly creative when you know there is only $2.34 left in your grocery budget and you don’t get paid for another three days.

Here’s where the cash goes. I also jam my receipts in there and later take them out and enter the expense in an accounting program.

I stick any coupons or gift cards in the front flap so I won’t forget to use them.

Isn’t she pretty? My new best friend. I wish I had one of these to share with you. I hope you didn’t think I was going to give this away, um, because all my money is in there. If I ever get another one I will pass it on to you because I like to…..

Which reminds me! Guess what kids? I am giving something away!!!

I have a copy of Financial Peace Revisited by Dave Ramsey and a little CD with a preview of what Dave teaches in his class just for you! If you need some motivation to get a budget, start paying off debt, get a financial plan, then you can start with this book. This is how Clay and I started, we checked out Dave’s book at the library and used his advice to get us chuggin‘ on our savings and debt.

And when you are done with this book you can pass it on to another friend that needs help getting motivated to make a financial plan.

To enter this give away leave a comment today. You can just say, “Hey, I want that book!” or you can tell me how wonderful I am, either way is fine. I’ll choose the winner tomorrow. Okay, I’m off to wash some of the stardust and rose petals that need to be returned to the athletic director. Yeah.

*****Give Away CLOSED, I’ll announce a winner soon*****

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