Darlings, let me first apologize for my absence. There’s no excuse, rather that I found my time wandering off to things (i.e, watching Gotham on Netflix for hours on end…so good, seriously recommend you check it out. You have been warned, it is prone to #bingewatching). If you may give me one little ounce of grace, it is simply that finding balance for blogging is difficult. (Can my fellow lady bloggers raise their hands?)
I also spent the last two weeks recommitting myself to things that had fallen off my list of priority (i.e, started a new devotional called My Utmost For His Highest and picked up several new interval workouts). I’m back now and fresh with bright ideas although the weather has not been spectacularly helpful (#HurricaneJoaquin).
How to Never Go Over Your Budget
I took to Dave Ramsey for his prowess in the financial field. Dave Ramsey is very conservative in giving tips for managing your money. But, I like conservative. I wanted budgeting to be about using my money for a greater purpose but also leaving flexibility to do the things I enjoy while being responsible.
I’ve been using Dave Ramsey’s Envelope Method for a month now and am proud to say I have maintained my budget with lots of room left! (I also started this budget only after I’d saved $1,000 for my emergency fund. Check out Dave Ramsey’s Guide to Budgeting for an explanation of that reference.)
In summary, the “envelope method” is using envelopes to store the cash you plan to use and only using that cash. I wanted to be able to carry my envelopes around with me everywhere but wasn’t comfortable with carrying that much cash so I printed out play money. Let me take you through my steps.