How I Organize My Money: The Budgeting Secrets of a Lazy Do-it-Yourselfer

5 Lazy Ways to Stop Overspending

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Get Started With Turbo Tax. Quickbooks is a savvy tool for people who want to get a real handle on their finances and the big one— who are self-employed. You can send personalized invoices, create reports for tax purposes, and you can even pay business bills. Start Your Quickbooks Account. The part where we get stuck on the most is taking initiative and being proactive about handling our finances better.

The secret sauce to being better off financially is to start using your resources more wisely, money included. A good rule of thumb to remember is, always spend less when you can, find ways to make more, and lastly learn of easy ways to start investing. If this is way beyond where you are money-wise, and you want to learn about budgeting, make sure you brush up on some budgeting tips every budgeter should know. An 8 Month Money Plan. This post in no way constitutes professional financial advice. Always consult a trusted professional first before making any major financial decisions.

I'm Vivian, and I create awesome lifestyle guides and printables here at Teal Notes. I LOVE creating useful planners and guides that make life at home easier. If you like doing things your own way, you'll love it here! In your marriage you need to divide and conquer!

Don't BOTH be in charge of paying the medical bills, buying the groceries, paying school fees, or buying shoe polish…it's redundant and inefficient! Divide up and you'll get the chance to do it YOUR way …as long as you're getting the job done, that is. It includes free printables so trust me, it's worth it! Think of it like being on a diet. To see what works and what doesn't, to get the hang of cutting calories, and to stay motivated, you need to weigh yourself…often!

The longer you go without talking about money, the harder it will be the next time. It's like deep-cleaning your house.

If you haven't done it in a while, the first time might take you several days to cut through the grime and sift out the junk. Don't make talking about money a pit of despair, make it something you look forward to! When you sit down for your weekly weigh-ins, dress up in a funny costume. Let your 5 year old do your makeup before-hand. Put makeup on your husband. Put all your clothes on backwards. It will keep things light hearted and will make it hard to get in an epic fight…especially if your husband has blue eyeshadow and lipstick on while talking.

$5.50 per day could give him a $2,000 TV? Piece of cake!

There is NO shame in counseling. If you and your spouse are so at odds over money that it's effecting your relationship, go seek professional help. Often times it's rooted deeper to something else; trust issues, depression, resentment, insecurity, communication issues, or sometimes all you need is a good old fashioned mediator to help facilitate a healthy conversation.

I know for me my mom could tell me something and I would roll my eyes and get defensive. Simply because she's my mom, I innately have walls built up! Sometimes hearing it from another person is all your spouse needs to realize they might be in the wrong. Do you know I offer one-on-one consulting? Email me, jordan at funcheaporfree dot com and let's get the conversation started. I would LOVE to help. Hopefully that helps you and your honey have a new view of money and how to make it a positive light in your life, not a negative thorn in your you-know-what. You can get all my budgeting and finance tips, and my secret sauce in my fun-to-watch video program Budget Boot Camp!

This article is fantastic! Love all these reminders and suggestions!

I think it would work well, even while dating in the getting-to-know-you phase, for sure! It was discussed at Conference a few years ago. Please correct that in your article at the beginning. Just because you heard something at a conference does not mean that it is the gospel. I knew what she was saying and you did too.

My work only makes a fraction of the money in our household, as I predominantly take care of the kids. My husband controls All the money and is the bill payer.

6 Brilliant Tools To Manage Your Money Effectively And Save Your First 1k

He pays every bill late and wastes hundreds of dollars a month on the tablet playing games. When I tell him something like we need groceries, we need to save to take our kids to the eye doctor, we need to save for years down the line to eventually be prepared for future things like a new car, etc. He tells me to go out and get a real job and it is HIS money he will do what he wants with it. It really helps and is worth the money! I love this post, the only problem is, what if you KNOW what your spouse wants, and you try to set a realistic goal, but they think 12 months is too long etc etc.

He also acts like everything is completely important to have right now. I have no idea how to help someone get on the same page that finds waiting for something to be so threatening. Your email address will not be published. I'm going to pick right up and continue on with this communication series with part 2 of 2, which will address some serious questions that I've been getting a LOT lately: In the last two weeks my husband and I have completely ridded our home of years, I mean years, of junk!

We started how you said, room by room, gave away a lot of stuff Bless those Veterans for coming to pick it up! Now I am able to recycle because I'm not overwhelmed by so much stuff!

I love the website and am enjoying all the new blogs! I misplaced a counted cross stitch project and had supposedly looked everywhere for it. Just this week, the electricity was off and I decided to declutter around the wood stove that is not in use this season. The grandchildren are mostly grown out of all the toys, books, etc. Out they came along with a box with a bunch of papers in it, in it was the counted cross stitch project! So, today, I started on the 2 drawers that house the younger toys. What to keep and what to throw or sell? Lots of memories there.

And then, we have to turn around and do it again! Even though my house is pretty neat, it is still inspirational to read some practical ideas about how to make it better: Thank you for your post today. The funny thing is when I started getting rid of stuff and was packing all his stuff up because he left me I found over sample size bottles of shampoo that he had carried in from when he is out on the road. When I told him about it last night when he came by he found it hard to believe. He did not realize he was as much at fault as me for collecting stuff we did not need. Actually that is a really normal occurrence Mary.

Plus as humans we tend to see with a neon light what we think are faults in others and that same neon light sometimes blinds us to our own faults and what is even more interesting we tend to accuse others of things in areas which we have an even bigger problem in. I liked your response Jill. I Gabe had a similar run in with my husband not liking anything being left out in the house to mess it up, yet there is a corner in our basement that has really old, or nonusable tools scattered on the workbench, on metal shelves or floor.

Just need to get on the same page with him re: To keep and find a place for it immediately. I wish I knew why I procrastinate so much when there is such a glow of satisfaction from just starting something and having a feeling of accomplishment! I used to be really bad about procrastinating then one day I timed myself.

Make the bed- 1 minute Clear table- 3 minutes Load dishwasher- 5 minutes fold clothes-5 minutes put up clothes- 5 minutes go to the bathroom- 1 minute had little kids pounding on the door. This morning sitting looking at the christmas tree still up and feeling sory for myself I read When the Queen rides by. In the last year both my sons moved back home, 2 grandchildren and a greatgrand son.

Oh and a friend of my sons. All out of work. The dinning room is now a bedroom. I have a 3 bedroom and 1 bath Everything has got behine. So this is the day I try to become a Queen. I have my list and going to start on the bathroom. Hope I can write in a week and say half my work is done. Please wish me luck. Will try and keep you updated. Molly I do wish you luck and be sure to keep us updated. Thank you so much for inspiring me! I finally did it after reading this article. Also, normally, cleaning the desk means throwing out the receipts and shifting the papers around into neater piles.

Kim I had to laugh at your post and a few others. Some cleaning experts say start cleaning your living room or bedroom etc. The rest will be a breeze. Thanks so much for your encouragement! I had to laugh at your comment about not going down memory lane because that is exactly what I did over the weekend as my husband and I cleaned out the attic. He told me the same thing because I would get so sidetracked.

You have such great down-to-earth advice that is doable for everyone. My family finally got on board with the project when I moved their stuff into the hall, bedrooms, and living room. Over the holidays we went through not only the clutter I had removed from the guest room, but the rest of the house as well. The best part — my whole family is excited. In the spring we tackle the garage and everyone wants to take part! That is inspiring, I have let things get out of control. And am looking forward to getting started.

I get easily overwhelmed, and after reading the article I am motivated to just get in there and start. I know I will feel much better when my room is organized and cleaned. Thanks for the practical step by step instructions. I will keep you posted on my progress. When I got home I made a quick supper. After supper we had a family movie night. Always a good night!! Then, homework had to be checked. My kids always do their homework before I get home and then I check it after supper.

I was getting frustrated at him because I knew he knew the answer.

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She was a bit more cooperative. When we finished it was after her bedtime, 9pm. After she went to bed I decided I would wait to clean the kitchen until in the morning. I sat down at the computer and started checking email. I felt the sting and knew I had to send a comment to you. I think I have a millenial supply of fabric and patterns. Everytime I try to give it away i get stuck.

Really what should I do? I have 7 children,5 still home and we are tight. Melanee, you are like I was many years ago. I would end up with all this fabric, patterns or even other things like furniture to refinish basically projects which needed to be done. Then there were things like the vegetable slicer my husband got me which took me more time to wash then cutting the veggies by hand so I never used it. I stored it in my cabinet for years. Then I had this revelation. Why in the world am I keeping this stuff which I know after 10 years I will probably never use?

I had to face the fact I made a mistake. Why was I keeping this thing which reminded me daily that I had wasted my money. There was not a thing being accomplished by storing it except I had to clean, dust and have it weigh on my mind all the time. From then on out if I have something like that happen I have to face up to things. I spent my money on something I am not using and is a waste. I have to forgive myself and move on. Moving on means giving it to someone else who can really use it or selling it.

No matter what, get it out of the house and move on. It has taken up enough of your thoughts and time. I mean look you even spent probably minutes writing an e mail about it. Do you know when you out grow clothes and you leave them in your closet for months or years what a mental burden and mental abuse you are doing to yourself by looking at those every morning when you pick out something to wear.

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Stop feeling guilty and let this stuff go. Give it to someone who will really enjoy it. Here is a suggestion. Mark a decent price on the bag. You all are so right. I learned many years ago to take a section of a room at a time and if it takes all week to do that one section then thats the way it has to be!

After I got sick and realized that I could only do a little at a time it really made me think about things and so that it what I do, one room. My husband has gotten to be the same way, Slow and easy! I had a bit of good news today! I have been approved for my service dog and will begin training with the trainers and dogs at the end of the month. I am so happy hopefully this will help me to be able to do things a little eaiser with the help of a service dog. Wish me luck and I will keep you all posted. God bless you all! Susan what good news. My neighbor is wanting to start training service dogs.

I think that is so great. Yes be sure and let us know what happens that will be interesting. Two days ago I found an article on here. I think it was on here It listed ten steps to start. I typed them in large print and taped it to my bedroom door. I live in a palatial single wide so it was visible almost from everywhere.

So yesterday bright and early 10am for me I showered and dressed and put on lace up shoes. Hang up your key……. Well I know I have some hooks somewhere…. I know a cup hook.

(7 simple tips you can thank me for later)

I have one cup hook near my stove for the pothold. Yep, I unscrewd it and put it near the door. Well, after I spent an hour thinking about exactly where to put it.

Not right next to the door; it would be tacky. I live alone; who that lives here cares about tacky. I hung up my keys! The only problem now is wherever am I going to put my potholder? To funny Linda but at least you are trying. My purse is hung in a certain spot each day and I hook them on to my purse. You could try putting a small dish on the table or any handy spot for you and just always be sure to put them in the dish. As for your hot pan holder. You might try a drawer by your stove or I put a small nail on the inside of my cabinet door by the stove. I have to clean a certain spot but where I want to put the stuff from that spot needs to have things moved and cleaned but I need to buy a cabinet to put them in so I get a cabinet which I spend all day putting together which I ended doing wrong so need to start all over again.

Maybe that is why the Bible is always saying the one who perseveres is the one who wins but the persevering part is sure hard. I do this type of thing all the time!! It drives me crazy! I will spend 5 hours trying to get one simple 5 minute thing done. So me and my sister can do all our crafty stuff down there? It was not an easy task and it took me and my husband the last 3 weeks in our down time after bedtime for the little ones to organize and complete the one task.

I have thought about decluttering the basement before but it just never seemed worth it. It is amazing what kids do to and for you. If she would have never of asked the basement would still look like a tornado just ripped right threw it. We donated about 3 large boxes of random stuff toys, mags, kitchen stuff, and a lot more , sold about 4 trash bags full of clothes, and got about bags of trash. It has motivated me to just keep on going.

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