Ok so some of you might no that awhile ago on V 1.1 of this blog, I decided to get into meal planning as a way to save money. At the time I was also couponing as much as I … Continue reading
Recently I got back in the habit of listening to podcasts when Serial came out. If you have not listened to Serial I cannot recommend it any more highly. When Serial was over I felt like I was left with … Continue reading
I am always trying to find ways to make a little extra cash to help out my debt situation without getting involved in some kind of crazy scheme. Thirty One Gifts has helped me to do that by giving me … Continue reading
Sorry this post is a little late. With a bit of effort I promise it won’t be difficult to catch up!Most of you have probably heard of the 52 Week Savings Challenge. Basically you put money in a jar or savings account in an amount that corresponds with the week of the year. For example week one you put in $1, week two you put in $2 and at the end of the year you’re putting in around $50 a week till week 51 which is $52. Super simple concept and at the end you have $1,378. Not a ton of money, but if you are struggling to get together an emergency fund or want a little cushion your budget so you can start living on last month’s income (YNAB Rule #4), this can give you the push you need to get there.
It also helps a person like me who needs more than just typical motivation of “I am saving money this is good.” That does feel good, but what helps me out in the tougher months is feeling like I am gaming the system. Instead of feeling poor and destitute I try my best to win the game.
I also do the 52 week challenge a little bit differently. I tried a few years ago and started off great but come the end of the year when I needed a big car insurance payment or Christmas presents were due, I broke down and went into the cash. So now I do it backwards. In January right after Christmas and my birthday, when resolutions are in full swing and my commitment level is high I put in the $52 and commit to putting in at least $1 less a week. I also get paid Bi-weekly so I am really paying every other week and the payment feels bigger. As always I made my self a way to see my progress without looking at all that money and getting tempted.
On top of that little switch, I also try my hardest to game the system. I don’t settle on putting in only the minimum amount, as the weeks go by I try to match what I put in the week before. Some weeks I do and some I don’t but my goal is always to put in enough that I have more than the minimum goal.
You can see I feel a little behind on week 3. Thinks were tight and I didn’t worry about it too much because I knew I would make it up. I did make sure I highlighted it in a dark pink instead of my happy money green!
To download the printable if you got paid the week of January 1st Click Here
To download if you got paid the second week of January Click Here
Hey everyone, As part of my ongoing attempt to better my financial standings (which is going great!) I have looked at tons of budget binders and printables online. I have realized immediately that some won’t work for me and others … Continue reading
I just wanted to drop a quick note and let everyone know about this gem I stumbled upon today. Lately I have been devouring as much practical (and appropriate for my current situation,) personal finance information as possible. I have had bad luck with some “Celebrity Financial Experts” and I have been really craving things that are put out there in a way that is straight forward, entertaining and very informational.
Today I found this link through PNC Bank. They call it PNC Achievement Sessions. Although it isn’t as entertaining as say Mr. Money Mustache (who I also enjoy reading,) it presents a lot of good information. You also do not need to be a PNC customer and for the few videos I have watched so far, it looks like education is the goal, not selling you their products. This is hugely important to me. I hate feeling like some one is just trying to suck me in under the belief that I am doing what is best for me when really all I am doing is filling their quota.
As with any financial advice I feel it is important to diversify not only your money, but also where you are getting your information from. Let me know if you have any go to resources!