Sunday, December 14, 2014


Hi everyone :) :) :)

How are you tonight? I was going to wait until Monday to share this. Then I decided to post this tonight. I work in retail and tomorrow is going to be a very L-O-N-G day.  I'll be working for a full 9 hours.  

One of the things that I'll be ressurecting again are my "It makes "cents" to me Friday" posts.  One of my BIG goals is to be completely and 100% debt free.  So I'll probably be blogging about that at some point. However, I'll also be talking about how I live as a single person on a very tight budget, how I get by etc...and it's mostly to keep myself accoutable by making it public....but hopefully it'll encourage you all, too. No matter what your financial situation is, there is always something you can do, even if it's just one small step. The point is that you are trying :) :) :) At least, that's how I look at it right now.

I'll be sharing links to various blogs that I follow that have encouraged me in my debt-free journey and learning how to manage my time and resources better.

One thing that I am learning to do is use a cash envelope system for various spending categories.  It's something I first heard about when I read Dave Ramsey's book "The Total Money Makeover" and "Financial Peace University" You can click on the link here to visit his website.  He's pretty hard core with his financial advice, BUT it's all with the goal to give you financial freedom....and so I find it very encouraging for me. Plus, I love listening to all the testimonials of people who've become debt free. It encourages me that it's possible for me to achieve the same goal.

Here's a photo of the cash envelope wallet that I got when I took a Financial Peace University Class last April. The blue one came in my kit. The burgundy one was gifted to me by my aunt. 

The cash envelopes always include a little info on how to use them.  What's great is that you can choose the categories you want to create and I find the idea of budget for various categories is so smart. It will hopefully keep you from overspending.

Plus, it includes a little spending log where you can record every time you spend money from a certain category. The idea being that you'll always know what you have available and once the money is gone, you don't spend anymore in that area, until you have a chance to put more money back into that particular spending category.

Now there's a really cool blog/Facebook page that I follow called "A Time for Everything" You can click here to find Melissa's page on Facebook.

She makes some amazing cash divider wallets that are compatible with the Dave Ramsey cash envelope system. They're super functional and super cute.  I purchased her "carry it all" divider wallet. I waited an entire year before I purchased mine last January.  Click here for a description of what this wallet does. 

This is what my wallet looks like.  Melissa offers different, really fun and beautiful fabric pattern combinations.

I also purchased the downloadable PDF file to print out my own spending logs to go inside my wallet.  It was only a few dollars and so worth it. I just printed out some color sheets and I've got a manilla envelope that I'll paste it on before I put them into my wallet. I'll save that little project for another blog post.

This wallet comes with two divider sections, a place to put coins and it also holds my checkbook, too :) :) I've had this wallet for quite some time and never used it much until recently. So it's a discipline, for sure, but it's one that I'm going to get into the regular habit of doing everyday.

The reason is because I've got a super tight budget.  so if I don't designate different spending categories, I won't be able to afford anything. I also just recently started a new job position at work that also included a raise. That's been a huge blessing, but I still want to make it a point to live within my means.  It's been difficult, but oh so worth it.  

I'm just doing the best I can to manage my money in a biblical way, while recognizing that I need to give myself a lot of grace and forgiveness and extend that to others who are dealing with struggles in this area.  I know that I have my own financial struggles of 1) how will I pay off my student loans once and for all 2) and still manage to help my dad and 3) find a place for us to live in September 2015. 

So that's where I guess an element of faith and trust steps in. I'm doing my best with what I have right now to manage my money God's way.  At the same time, I recognize that I'm having to trust God to provide in those areas when the time comes, and not worry about it, because that's in the future and all I can do is concern myself with today. Believe me, God gives us enough grace for this day. Then tomorrow, He'll give us the grace we need to get through tomorrow, including with budgeting struggles and challenges :) :) :)  There's more I could say about this, but it's late on a Sunday night and I'm mega tired :) :)

Well, I guess that's good enough for now. I'll be talking more about this in the future. I just wanted to introduce you to my cool fancy functional cash divider wallet :) :) :)

I'm still trying to figure out what spending categories I want to use my cash envelope wallet for specifically.  One thing I have to budget for is haircuts and getting my hair colored. I don't do either very often because of the expense, but it's still something I need. So that's one category that I budget for. I also budget for gas for my car.

Do you use a cash enevelope system or some other sort of budgeting system? If yes, what categories do you budget for?  I'd love to know what you do.

That is the news from the ocean shores of California today.  

Love and hugs,  Heather :) :) :)     


Starletta Schipp said...

Oh Heather - I only worked one holiday season in retail and it was exhausting! I'm sending good thoughts your way.

I'm working the Financial Peace system too and have paid off two big bills so keep at it - slow and steady and you will make it! I'm proud of you for taking steps and making goals.

Heather's Blog-o-rama said...

Hi Starletta ;) :)
Thank you so much for your sweet comment. I love hearding from my blog friends AND it was really encouraging :) :) I'm going to check out your blog, too :) :) I do have a mountain ahead of me....but I think it's important to make steps forward, even if they are small ones :) :)

Friday and Saturday were crazy busy at work. Even though I work in men's clothing, I helped in the jewelry department because they needed the help bad. I did really well and it was crazy busy. I was tired, but it was a good tired from a job well done :) :)

Have a Happy Christmas and Happy Holidays to you and your family :) :)

Love and hugs from the ocean shores of California, Heather :) :) :)