Wednesday, December 31, 2014

No Romance Without Finance!


Ok, it is not what you think! This post is about getting in tune with finances! You really cannot live the way you want if your finances are not in order. I am trying to get used to real budgeting. Before this year, I did not have to. It is extremely important to be honest with yourself and not put off paying bills that you can!  So I wanted to share these tips from the great Dave Ramsey.

Below is complete cut and paste from www.daveramsey.com


Sit down and evaluate.

Take a few minutes to look at your bank accounts and really understand what you see. If you don't, you run the high risk of living these next few months like Gomer Pyle on Valium, with no clue about your money. You don't want that, do you?

Update your game plan or start one for the first time.

A budget is your game plan, where you tell your money what you want it to do. This isn't rocket science! Just give every dollar a name on paper before you get your paycheck so it won't all be gone in a week. Get free budgeting forms here.

Put cash in envelopes.

Since you spend 12-15% more when you use plastic than when you use cash, try the envelope system. Take some envelopes, write the budget categories on the envelopes, and use only the allotted money to purchase specific things. If an envelope is empty, don't buy anything else in that category for the month. It can wait.

Set boundaries for yourself and your family.

A lot of this centers around the ability to say the word NO and really mean it! Sometimes you're going to have to tell yourself, your spouse, and your kids "NO! It's not in the budget!" so be prepared. It's a phrase you'll be glad you know how to say.

Start saving NOW for Halloween and Christmas!

Now is the time to start planning and setting aside any money you want to spend around these huge retail seasons. Make a list and commit to sticking to it! If you start now, you can keep these holidays from following you into next year!



Monday, December 29, 2014

Organization and Reflection- Closet first!

Hey loves. I am stopping by to help myself and possibly you too. This is the time of year when we try to get ready for the next year. All of the wishes, plans, and hopes that we did not achieve or attain in 2014, we add on to them for the next. For some we simply say to hell with the things we did not do and on to the next!

I know I have to get organized! My whole life needs some rearranging and organization. As I reflect on 2014, I let myself dwell on all of the things I lost and did not have the means to do and did not do anything! So I am starting today!

This week will be a series of projects. One of this week's tasks is to really clean,organize, and remodel my closet. I have so much that I cannot wear, or have not worn and it just sits there waiting on inches and rolls  to be lost or for the right shoe to be worn with it. So I may have a Shop MY Closet this week. The last one did very well. I do donate a lot to GOODWILL all of the time but my good good stuff needs a fashionista's happy home.

Pinterest has been my assistant on everything. Below are some inspirations and ideas that I snatched from there. I have an extra room that I am seriously considering turning into a dressing room. Still pondering that though. If I do, I will keep you updated on the process.




     Chandelier in dressing room is so on      
     point! 




    I can make my extra room look like this instead of making it a workout or game room. 




These cases are called Billy bookcases from Ikea. I think it's worth getting a few solely for my shoes! 

    This is the way part of my closet looks  
    now! Too ashamed to show other part  
    but at least you can tell that there is no 
    joy or personality in there- along with 
    the untidiness!  We will see
    What I come up with! 

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