Cash Envelope System

Cash Envelope System

A few days ago I shared that my husband and I are currently taking the Financial Peace University classes at our church. Part of Dave Ramsey’s system is to start using cash for as much as you can, at least during the beginning. At first I saw it only has a major inconvenience. However, I will say that it really does make sense and it really does work. People tend to have more of an emotional connection to cash and it makes it harder to part with. It hurts! Our first time eating out using cash was a new experience for sure. After the kids and my husband figured out what they wanted, I was calculating how much I could spend for my meal and still have money to cover taxes and tip. But that wasn’t the only thing that hurt. The food was mediocre at best and the service was even worse. It REALLY hurt to hand over our hard earned cash for that. It left an impression for sure.

Grocery Cash Envelope System

Now the FPU class includes a Dave Ramsey cash envelope system, but I tend to be quite girly at times. I’ve found that I use things more often when they’re girly and pretty. I got the inspiration for this system from Mom Needs a Clone over on YouTube. I followed her instructions on how to make these really nice cash envelopes and it couldn’t have been easier. You can watch her video on that here. She also sells these envelopes in her Etsy shop for those who don’t have the time or desire to make their own. I already had most of the material on hand so I decided to make my own.

Hair Cash Envelope System

I took a dry erase marker and wrote the amount for each envelope on the back. You can use permanent marker if you like; it will wipe off with a cleaner. I chose a dry erase marker for now because I’m still working on some of the amounts. Cash Envelope System

Here’s a quick look at several of the envelopes I have. My husband thinks that I have too many options, but that’s just the type of person I am. Some people only do envelopes for the big items like groceries and eating out. I’m a type A person that likes to be overly organized. It’s one of my strengths, and weaknesses. I have all of my envelopes in my binder for now, but some will be moved to our safe later. These sinking funds will start adding up and I don’t want to carry around all of that cash. Here’s a list of my many envelopes:

Groceries
Meals Out
Date Night
Childcare
Family Night
Kids Allowance
Hair Cuts
School
Dry Cleaning
Pharmacy
Toiletries
Cosmetics
Clothing
Tags & Registration
Oil Changes
Auto Maintenance
Vacation
Birthdays
Anniversary
Holidays
Household Items
Misc

I don’t have an envelope for our blow money (or allowance) or our tithing. We keep our blow money in our wallets and I shared a few days ago that I keep our tithes in my spiritual binder.

Date Night Cash Envelopes

Have you done the cash envelope system for your family? If so, what are some of your tips and tricks that helped you stay on track and on budget??

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Financial Peace University

Financial Peace University

Spiritual Binder

Spiritual Binder

Financial Peace University

Financial Peace University

My husband and I have been taking classes since the beginning of April for the Financial Peace University. For those not familiar with FPU it is a 9 week course designed by Dave Ramsey. Dave built a million dollar business in his early 20s and then lost it all. Since then he has built another million dollar company teaching people how to not follow in his earlier footsteps. He takes you step by step on how to get rid of your debt and build your wealth, all without any get rich quick schemes. I have read his Total Money Makeover book before and was familiar with his 7 Baby Steps before signing up for the class.

The Total Money Makover

However, I was skeptical to take the class at first. I was curious to see if it would teach me anything new about his process that his book didn’t already cover. I can say that it definitely does. But more importantly, it was good to get my husband in the class and participating. The group discussions are extremely beneficial since they help show you how everyone has tackled their financial situations differently. The class is Scripture based, but I really would recommend it for anyone and everyone. If you’re not religious, there’s still a lot of useful take aways. Since taking this class, my husband and I are feeling optimistic and peaceful about our financial futures. It’s amazing to be able to pay for any emergencies that pop up and recently we paid cash in full for my husband’s car. It’s an amazing feeling!!

Check out these amazing posts!

Budget Piggy Bank

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Cleaning Schedule

Cleaning Schedule 

Bath and Body Works Haul

Who doesn’t love a good Bath and Body Works haul?! I’ve recently discovered that all of my candles and Scentsy waxes are pretty much all Fall scents. So I have been slowly picking up a few Spring scents here and there. Here’s a list of some of the things I picked up at Bath and Body Works and currently loving!

Endless Weekend

Endless Weekend

Blue Ocean Waves

Blue Ocean Waves

Hello Beautiful Bath Bomb

Hello Beautiful Bath Bomb

Endless Weekend Bath Bomb

Endless Weekend Bath Bomb

Beautiful Day Car Scent

Beautiful Day Car Scent

Blue Ocean Waves Car Scent

Blue Ocean Waves Car Scent

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Favorite Perfumes

Updated Bathroom Remodel

Entry Table Decor

Whatever Wednesday Blog Series

I have to say that one of the areas in my house that I’m most proud about is my entry way table. It took my mother and I months to find the perfect table but we finally found one at target.

Entryway Table

I was hunting for a table that had a lot of storage because at the time I did not have a very big desk. I also wanted something with drawers or doors, but I couldn’t find one that I liked. So here’s how I make this particular table work for me.

Entryway Table

I got these espresso baskets from Michael’s and the lamps are from Target. I had all the other decor on hand. I had one person comment on Instagram that I should have had different color baskets to really make them pop. I on the other hand like how they blend in with the table. It’s brings less attention to them for my kids.

Entryway Table Top

I love how simple yet classic this look is. And I made the flower arrangement myself. It has my favorite flowers, roses and hydrangeas along with one magnolia flower. It represents my Southern Heritage. I got all of the materials from Hobby Lobby.

Peacock Mirror

I also love sunburst and peacock mirrors. I love the one that Tiffany D has, you can see it here. I was able to pick this one on sale at the base exchange.

Entryway Table

My mother actually purchased the Parisian bag for me. It’s a set of 3. I keep my blankets (and occasional baby doll) in the larger one seen above. I keep spare magazines in the medium size. And I use the smaller one to keep my fabric and my new necklaces that still need to be photographed. I also use the smaller one in my background.

Pink Parisian $15

Pink Parisian $15

The smaller bag works perfectly in my pictures. If you’re interested in getting this set, you can find it and two other designs on the Lakeside Collections page.

I also love my entryway table during the holidays. Is a quick glance at last Halloween (which wasn’t complete) and Christmas.

Halloween Entryway Table

The wreath did not stay there. It eventually got hung up.

Christmas Entryway Table

I’m sure I’ll do a holiday theme decor haul when it’s that time of the year again. I hope you enjoyed another peek into my little home and like always please feel free to share pictures or links to your home decor down below! I’ll see you tomorrow for another edition of Toddler Thursdays!!

Dollar Tree Collage

Whatever Wednesday Blog Series

I’m in a special decor Facebook group called White Walls. It’s for members of the armed forces and the reason behind the name is the sea of white walls we see when we move to a new base and a new house. If you a member of the armed forces who has a passion for home decor, I would suggest that you check them out. Plus they have other groups for cleaning, needlework, etc.

Well one day I saw this amazing post. A lady had stopped by the Dollar Tree and purchased several 12 x 12 mirrors. It was quick and inexpensive. Since we may be moving in the next year, I’ve been trying to get our house ready to stage and I’m always looking for very inexpensive ways to spruce up any space. Here’s what I came up with.

Mirror Collage

This is the wall at the foot of our stairs. Off to the right of the picture is the door to the garage. I had originally wanted a collage of family pictures, but that can get a little pricey. Plus, with the thoughts of selling soon I wanted to keep it impersonal. Oh, and you see my lovely paint swatches? They’re everywhere! Normal, right?

Mirror Collage

I actually had the vinyl wall decal on hand. I purchased several of them on our last trip to California. I believe I got them from Kirkland’s. This particular one has been moved several times so it’s starting to fall off. But I do have an amazing friend who can actually make me another one.

Chore Charts

Toddler Thursday Blog Series

I’ve been promising for a while to share what I use for my kids’ chore charts. It’s really nothing complicated since I picked up everything on an impulse Dollar Tree trip.

Chore Wall

As you can see, I very quickly threw it up so everything is not lined up perfectly. I’m anticipating painting this summer so I wasn’t too worried about it for the time being. The motivational posters came two to a pack. I got a few extras and actually put those up in my son’s room.

My idea behind this wasn’t the normal “Gotta teach the kids to pick up after themselves”. This was more behavioral driven. My son has been getting into a lot of trouble lately and nothing I seemed to do was getting through to him. He’s had timeouts, grounded to his room, toys taken away, and electronics taken away. Nothing was making a difference. So like I always do, I started scrolling through Pinterest to see what else other moms have been trying. That’s when I decided to switch from concentrating on punishment, and start focusing on rewards. Now, he still gets punishments when they are warranted, but I can tell that when I’m consistent with the chart his behavior is much better.

I think this is for two reasons. First, he’s just too busy to really get into trouble. I have time set aside each day for learning, chores, art, and free play. This keeps him on schedule and moving right along before boredom kicks in. Secondly, his focus has shifted to doing things to get stars. Once a row is filled up for the entire week he gets a special treat, dinosaur chocolates.

Chore Chart

These charts came as a package deal at the Dollar Tree. It came with several chore charts and a few sheets of star stickers. Most of these Baby Boy can accomplish completely on his own. When he unloads the dishwasher, he puts anything that he can’t reach on the counter for me to put up later. For his laundry, he carries his basket downstairs and gets his clothes in the washer. I supervise him to make sure he checks all of his pockets. No crayons for my washer machine! Then I’ll do the detergent and start it. From there, he can transfer his clothes to the dryer and start it by himself. Once his clothes are done, he’ll carry them upstairs where I’ll fold them and help him put them away. He absolutely loves doing his laundry. It helps him feels independent, and I don’t mind the extra help where I can get it.

Family Rules

I picked up these vinyl wall decals at Dollar Tree as well. I didn’t intend for them to end up on the chore wall, but they actually work perfectly there. It’s a nice reminder for the kids.

Do you have a chore system set up for your kids? I would love to see what ideas you use! Share your pictures and links below!!

Living Room Decor

Whatever Wednesday Blog Series

 

Interior design is not my strong suit and I’ve had a hard time over the years really nailing down my style and taste. My decor as usually been a little mismatched since I’ve always had a ton of sentimental decor items. While I will most likely never get rid of these items, they don’t really go with the design that I’m drawn to. Here’s one of my motivational living rooms from Pinterest. It’s from Jillian Harris here.

Jillian Harris Living Room

I’m not sure what style this would fall under, but I love the light colors and classy, yet minimal decor. I don’t like anything that tends to have a lot of clutter. So here’s a sneak peek of my living room. It’s still a work in progress.

Living Room

Every living room has random paint swatches, right?

Coffee Table

The tray and gold star are from Hobby Lobby, while the sea urchin is from Target.

Pier One Pillow

Pillows are from Pier One.

I didn’t take pictures of the other side because it’s a disaster. My necklace supplies have taken over my entertainment center as well as my desk. But as soon as I have it finished, I’ll be sure to share with you guys! What kind of interior design are you drawn too? Please share your favorite inspirational pictures below!!!