How To Make a Budget In 3 Easy Steps

Creating a budget can be a very empowering or scary experience to some people. Too some people, they don’t want that monster to come out of the closet and tell them exactly what they are spending each month. To others, it gives a sense of control where they feel they really are telling their money where to go and giving every dollar a name and a place to march off to with a set of orders. If you’ve ever had a hard time creating a budget, you’ve come to the right place! I have laid out in 3 easy to […]

2 months down, progress has been made!

So, here we are. Two months in, just over 60 days. My weight loss journey has been rather successful so far. I’ve learned to eat in a whole new way from using better portion control to giving up red meat. I’ve started exercising and learned how to overcome trials when they arise and not to overdo it when trying to make the most of my sessions. I’ve tried to continue to stay active even in a time when it’s hard to get out and exercise. And those darn exercise rings, they are just too tempting. My Progress So Far  Here is […]

Does Your Budget Constrict or Empower You?

When was the last time that you created a budget? What was the experience like? Do you still budget month to month? Everyone has their own opinions about the dreaded “B” word. Yes, I’m talking about the budget. Depending on who you talk to, some people might shudder at the very word or thought. Others open up and you can tell that they feel freer than ever. They feel the budget helps them stay accountable and helps them get control of other aspects of their life as well. Why is this? What is it that gives people horrible memories about […]

Father’s Day Weekend

Father’s Day was great! We got to see a lot of family, spend time with our dad’s and get to do something special as a family. I hope you had a great Father’s Day as well. I thought I would just take some time to share what we did! Saturday Morning – Errands Saturday morning was all about getting some loose ends tightened up. I had to get the tires rotated and stopped by our church to drop off some cookies for a memorial that was going on there. While stopping in, I found out that the church’s sound computer […]

The Quote That Changed My Financial Outlook

This has to be my absolutely favorite Dave Ramsey quote due to the fact that it’s what changed our family tree and took us from a negative net worth to a positive one and grows it for us every month as we go forward. Actually, there is a little more to the quote then this as well. Dave goes on to say, “Nothing happens without focus, so when you try to do six things at once, nothing seems to happen. You can’t get out of debt and fund retirement adequately and fund the emergency fund. When you attack one thing and […]

Time To Get the Kids Out of the House

The weekends can be a very busy time in the Goodwin household most of the time, but there are some weekends where we get to chill and relax for a little while. This past weekend was one of those weekends. We hung out and played inside most of the day on Saturday and by the end of the day on Sunday, we had to make sure the kids were able to get their “wiggles” out. We decided to take the kids over to the splash park in our town of Sandwich. It is a nice way to get out of […]

Emergency Fund 101: Why You Need One

We all know that we should have some savings on hand in order to give ourselves margin and put a gap between us and our problems. The bigger our emergency fund, the better prepared we are if something is to happen that is not budgeted for and can’t wait to be put into the budget. Emergencies include, but are not limited to: Furnace going out in the dead of winter Having to fix your car because something went wrong like the transmission went out The roof starts leaking Emergency visit to the hospital These are things that happen, but we […]

6 Things to Think About When Getting a Pay Raise

So, you’ve been working hard to earn more income, you have been putting in the overtime and making yourself as productive and useful as possible. The boss finally realizes that you are worth more at your job and decides to give you a raise. Yay! What do you do with the extra money you are making? I think this question has a lot to do with where you are at in your path to financial freedom. If you still have debt and are still working to pay it off, then your choice is easy, just apply the extra to your […]

May 2015 – $65,904 – Net Worth Update (-$510.00)

Alright, here goes! My first real Budget Report/Net Worth Update! What Happened This month was a pretty good month overall, but I think with how the paychecks fell at the end of the month, our stats were showing a little skewed. We will see next month anyways. We got a good chunk of money put away into savings this month getting us all that much closer to our Fully Funded Emergency Fund of 6 months of expenses! Can’t wait to get that done so that we can start investing, saving for kid’s college and paying off the mortgage! Net Worth […]