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??

Don’t forget to check out these similar posts!

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

This Thing Called a Budget

Cleaning Schedule

Cleaning Schedule 

Green Juice

green-juice

I was first introduced to juicing by the documentary Fat, Sick, and Nearly Dead with Joe Cross. I loved the idea of being able to get more servings of fruits and vegetables through juicing. If you haven’t seen this documentary and you are a fitness and/or health enthusiast, then I would highly recommend watching it.

This is the very first juice recipe I tried, and now it’s my all time favorite. It took a few tries to really enjoy it, but that was more because it was completely new to me. Before then, the only green juice I enjoyed was Mountain Dew. Not too high on the nutritious side. I hope you give this a recipe a try and let me know what you think!

Green Juice

Ingredients
1/4 pineapple
1 green apple
1/2 medium cucumber
3-4 kale leaves

Peel pineapple and dice. Core apple. Run all ingredients through juicer. If desired, pour juice through mesh sieve.

Fashion Haul ~Mirabella Boutique

Mirabella Boutique

Mirabella Boutique owner, Barbi Dewitt

One of the hardest things about moving right now is saying good bye to new friends. I’ve been lucky enough to have met an incredible woman here who has really inspired me in my business ventures and introduced me to several other business savvy ladies. She owns a local boutique in downtown Fairborn, Mirabella Boutique. I’ve also acquired a few amazing pieces from over her the year so I figured I would do a quick haul on some of my great finds.

(All stock pictures taken from Mirabella Boutique with permission.)

Mirabella Boutique

The tunic that started it all! This was my first purchase from Mirabella and it’s still a classic in my wardrobe. Here are some more great items I later picked up.

Mirabella Boutique

  • Mirabella BoutiqueMirabella BoutiqueMirabella BoutiqueMirabella BoutiqueMirabella BoutiqueMirabella Boutique

Mirabella BoutiqueMirabella Boutique

These are just a few of the items I’ve picked up over the last several months. If you’re interested in stopping by to see what Barbi has, be sure to swing by on Black Friday to check out her amazing deals!!

Mirabella BoutiqueMirabella BoutiqueMirabella Boutique

Since Barbi is doing 50% off of all clearance, I wanted to share a few pieces that I know are on the sales rack right now. So you better hurry in!

Mirabella BoutiqueMirabella BoutiqueMirabella Boutique

Ohio Local Eats

As I’m getting ready to say good bye to Ohio, I can’t help but become a little nogastic. This place has been home for the last 4 years. And as sad as it may sound, I will definitely miss some of my favorite local spots around here. What can I say, I’m a foodie at heart. So as a farewell to my Ohio Local Eats, I wanted to do a roundup of some of my favorite spots.

Lily’s Bistro is in the Oregon District in downtown Dayton. It has been my long time standing favorite restaurant. The atmosphere and staff are always pleasant. The array of cuisine has never disappointed me. I love the seasonal menu using only the best of local ingredients. And did I mention their Disco Fries are amazing!

Lily's Bistro

Dublin’s Pub is also in the Oregon District of downtown Dayton. When I was hired at a local company in Dayton a few years back, this was where they treated me to lunch. It quickly became a favorite since it was located close to work, but also because the prices were low, the food was delicious, and the staff was always prompt and courteous. We took my husband’s best friend there for lunch one day, and he quickly requested to go back for dinner that night.

Dublin's Pub

Foy’s Rock and Roll Grill is located on Main Street in downtown Fairborn. It’s literally right down the road for me. I usually get their club sandwich or their daily lunch plate. I don’t think I’ve found a better lasagna at any diner. My only complaint is that I wish I would have found it sooner!

Foy's Rock and Roll Grill Fairborn OH

Picture from Foy’s Rock and Roll Grill Facebook

Chantilly’s Cream Dessert Shop is also located on Main Street in downtown Fairborn. I’ve only been here a few times this last year but it always impresses. I love the cozy, dainty décor and the owner is incredibly sweet. I’ve had quite a few sandwiches for lunch but I mainly love their pasta salad. It’s creamy, savory, and has just the right amount of kick at the end. I was also very thankful that the owner allowed me to come in for countless refills while I was outside for a craft show.

Chantillys Cream Shop Fairborn OH

The Inside Scoop is another local find that I wish I knew about sooner. It’s a few doors down from Chantilly’s in downtown Fairborn. This cute little ice cream shop has a nice variety of flavors to choose from and the prices simply cannot be beat. It has quickly become a favorite past time for my family. We usually head that way on the weekend after dinner to enjoy a small scoop while we catch up with each other from our busy week.

The Inside Scoop Fairborn OH

Picture from The Inside Scoop Facebook

Crossroads BBQ is tucked away on the corner of Fundenburg and Colonel Glenn in Fairborn. Its owners took over a small Italian restaurant and is now serving up some of the best bbq in town. The portions are large enough that I have my kids share a plate. The prices are pretty average but I don’t mind since the quality and amount of food I get is good. Usually if I’m at Crossroads I’m sitting by myself on one of the high tops in the corner watching Food Network. It’s become my quiet little getaway.

Crossroad's BBQ

 

And I cannot forget my all-time food truck here, Pa’s Pork. Their food is so amazingly delicious that I actually had them come out and cater my vow renewal wedding this year. Need I say more? I didn’t get a picture of the food at the wedding since it was devoured so quickly, but I found an old picture from a few years ago when Pa’s stopped by my work for lunch.

pas-pork

If any of my local people in the Dayton/Fairborn area are reading this, please be sure to stop by these great restaurants and check them out. If I left your favorite off, please be sure to leave it in the comments below!

Chicken and Dumplings

Savory Saturdays Blog Series

It has been a very long time since I’ve been able to share a new recipe with you. I’ve either been entirely too busy to cook, or I’ve been plain ole uninspired. I’m not sure why I have such a love/hate relationship with my kitchen right now, but I’m going to try to force myself to overcome it. We shall see how this one goes over! The other night I decided to whip up a small pot of chicken and dumplings. You see, not only am I trying to force myself to cook more, but I’m trying to cook more from scratch as well. It tastes better and quite frankly, it’s a lot cheaper. (Oh by the way, I have to give a shout out to my friend for my new Blog Series logos!! They’re perfect! You should definitely go check her out at Simple Kara!)

Easy Chicken and Dumplings

A lot of the different recipes I have on hand called for canned biscuits for the dumplings. While I’ve had that before and enjoyed it, I don’t always keep canned biscuits on hand. I do however always have baking supplies for breads, cakes, cookies, etc. So I finally took bits and pieces from about 3-4 different recipes and made it work for what I was looking for.

Easiest Way to Shred Chicken

Another kitchen tip that I live by is prepping extra meat for the next few nights. I got this 3 lb of boneless, skinless chicken breasts at Kroger. It was on sale for $5.99 and I had a $2 off coupon. Talk about a good deal! I like to boil the entire bag of chicken breasts and then throw them in my food processor to shred them up. You can also use a stand mixer with a hook attachment if you have that. I went a little crazy the other night and shred my chicken up a little too much. But it’ll still work in my casseroles.

Prep Chicken Ahead for Multiple Dinners

I used a few handfuls of the chicken and put the rest in Ziploc bags. I put one if the fridge to use in the next night or so, and put the rest in the freezer. These will help me on those nights when I’m tired and really struggling to get dinner on the table. I hope you give this recipe a try and I would love to hear about some of your time savers in the kitchen.
Simple Homemade Dumplings

Ingredients
2-3 chicken breasts
32 oz. chicken broth
1 10.5 oz cream of chicken soup
2 c. all-purpose flour
1 tbsp. baking powder
3/4 tsp. salt
3 tbsp butter
1 c. milk
Salt and Pepper, to taste

Directions
Boil the chicken breasts in a large pot of water until fork-tender, about 35-40 minutes. Drain and shred chicken, set aside.

In another medium pot, bring the chicken broth to a low boil. Stir in cream of chicken soup and add salt and pepper to your taste. Let simmer about 5  minutes.

Meanwhile, in small saucepan bring butter and milk to a slow simmer. In small bowl, combine flour, baking powder, and salt. Slowly add milk mixture to dry ingredients. Stir with fork or knead with hands until the mixture just comes together. Divide the dough into 18-20 dumplings.

Add the chicken back to the broth mixture. Gently place your dumplings on top of chicken, cover, and simmer 10-15 minutes. The dumplings are done when they are firm and a toothpick inserted inside comes out clean. Serve immediately.

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.