Easy fill-in-the-blank budget!

Happy Monday!  Has everyone been busy?  I sure have!  I adopted 3 darling chickens yesterday who were too noisy for a little down-town neighborhood.  They are extremely sweet hens, I can't wait to share pictures!

Im going to share my #1 recommended budget sheet...  we have been using this for years and years.  It is easy and will keep your life straight.  Print it out and try it.  While I love our Budgeting app i find this sheet nice when making changes...  currently we are working on our property and i am seeing just how much we have to spend on a big repair project!

Monthly Cash Flow Plan

There it is guys, print it out and take a look at it.

Lesson 1B, Step 1; Emergency Fund

Welcome to Lesson 1 Part B!  You now have your reasons why you want to be free from those crippling debt hand-cuffs.  Paying off debt can feel really good, it can even be fun at times.  Imagine paying off a $4,000.00 credit card and being done with it forever!  What relief!

We need to be smart and to be prepared to be successful...  what if something happens...  you blow a tire and need a new one at $250....  Credit Card to the rescue, right?  NO.  

Getting out of Debt: Lesson 1

Getting out of debt.  Sounds like a dream, right?  It seems like everyone has debt, a LOT of debt.  It is the only way to live, the only way to drive a reliable car, the only way to treat your family to a nice dinner, buy the expensive sports equipment, pay the car repair bills.  You know what I am talking about...  until you realize you are living your life trying to play catch-up in a loosing game.  One emergency sets you back years of payments....  if you lost your job could you pay the lenders?  A downward spiral for us while the banks rake in profits.

We got ourselves out of over 300K of debt using Dave Ramseys plan.  It took us 5 years.  It was hard, very hard.  VERY FREAKING HARD.  But now we can do whatever we want.  Two days ago hubby just paid cash for a lovely, gently used Audi.  Last month we paid cash to have our driveway paved...  watching our girls play basketball on it every day is priceless.  As soon as it is safe to travel again