Last fall, Mr. CookingOnSkates and I took Dave Ramsey's Financial Peace University. In less than a year, we've paid off one student loan, a Nebraska Furniture Mart credit card, my car and most of his car. We no longer use credit cards at all, and we're paying for the rest of his degree up-front. If all continues to go well, we will pay off his car and the two remaining student loans by the end of next year.
One of the things we learned from FPU was budgeting and using cash for purchases like groceries, entertainment and eating out. As part of the kit that came with the class, we got a cash envelope system. The envelopes ran out of space recently, and I refuse to pay $10 to order 10 more. To save money, I decided to make these.
What I'd intended to try: http://kelleighratzlaff.com/featured/free-envelope-template-and-a-tutorial/
What I actually did: put cash in regular envelopes and started using the blank side as a register.
How do you manage your finances?
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