Let’s Talk Money! (Part 1)

I haven’t ever been great with money but I am not horrible either..


Money has been on my mind lately. I have been trying to get out of debt and just be overall smarter about the way I use money. I don’t want to be tied down and a slave to money I want to control the money.

I don’t have a lot of debt but I have enough that I don’t like it. A couple of  credit cards, student loans and a car. I have about average debt for my age but I don’t want to be average anymore.

The pastor of the church I attend did a series on money a while back and I took the advice he had really seriously. You can watch the series here.

I was already creating a budget every month. I had been doing that for a year. I created my spreadsheet because I couldn’t find one that worked best for me on the internet. I say do an internet search and see if you can find one that works for you and if not it is easy to make your own in Excel.

Even though, I had a budget I found myself running over in certain categories (food) then Richard noticed something I didn’t. He said that I wasn’t tracking every penny to a T. I was just half keeping track. So I added another section where I actually broke down all my categories and I put down every single penny I spent into one these categories so I could easily see where I was making mistakes. I could look at my food budget for example and see why I went over…maybe because I spent $20.00 on one meal the other night at Cheesecake Factory when I went out with my friends??  After doing this it helped tremendously.

Here is an example of my budget and my budget breakdown. (Disclaimer: This is NOT my real budget this is just an example, I don’t really feel comfortable showing my real budget over the internet – but I wanted to show what it looks like so you get the idea.) Agian, this works for me and may not work for you. (Feel free to use my example and make it your own.) – everything written in red is to help you understand what I am doing. I had to save as a web page picture to make the link work. So you will you have to be familiar enough with Excel to be able to make your own.

If you need help, feel free to ask me. Also, if you have any suggestions I would love to help them. This isn’t perfect and I always look at it as a work in progress.

Next time, I will talk about the snowball effect and how I am going to use it in my next step to get debt free!! Richard is already way ahead of me and is almost finished! (Jealous…)

Do you guys keep a budget, and if so how do you do yours?! I would love to know.

Family and Consumer Sciences…What?

In college I couldn’t decide on a major. I started just doing basics – when I ran out of those classes I was forced to pick something. I knew I wanted something fun and different but what?

I started in Family Life Sciences – I thought maybe I would be some kind of counselor working with families. When I realized that they must have at least Master’s if not higher degrees plus at least a two-year internship with little pay in the long run I changed my mind. If I HAD to go to school that long (even though I  really like school.) I wasn’t going to do it for that pay and that kind of stress. I even had my old boss talk me out of it. He said he was a family counselor and it’s completely stressful and very emotionally draining. I could have also been a social worker with degree – but, it was the same. No pay for a VERY stressful and emotionally changeling job. I just couldn’t do it.

So– I changed majors to 2D painting. I didn’t know what I would actually do with it, but it was really fun. It was strange how people would respond to me when I would tell them what I was doing.. “Oh! that’s fun! That’s super cool!” to “Ohhhh.. that’s interesting. What are you going to do with that?” Since I couldn’t justify it other than than I liked it, i decided I really probably should pick something a little more lucrative. (sometimes, I do wish I would have stuck with it though.)

After one semester, I changed again to business per my father’s advice. BORING. I absolutely hated it. The classes were sooo blah, and I couldn’t get into it.

So then I it came time to enroll again and it was decision time. If I ever wanted to graduate. I would have to pick a major and stick with it stat! So I thought, what do I like to do and what am I good at.

  • I really like working with children. (I was working at child development center.)
  • I like art. I like being creative
  • I like really prefer more of human development classes as opposed to business.
  • I want something that will take a lot of the classes I already have so I am not starting from scratch.

Then I found it! I was looking through the school book of majors and I found Family Consumer Science Education. AKA: Home Ec. Teacher!

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