Using cash can be a game changer when it comes to stopping overspending and sticking to your budget. We have come across studies (I wish I could find them right now) that have shown you save between 12 and 20% when you use cash compared to credit cards. Part of [...]
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Better than Grandma's Cash Envelope System The cash envelope system has been a budgeting tool for a long time. I have clients who tell stories of their grandparents using the system to make sure they had enough money for all necessities like groceries, gas, restaurants, and entertainment. While this system [...]
Just as every budget is customized, so is your cash envelope system. What is a cash envelope system? When you begin working with me, we will take a look at your overall budget and decide which expenses are best to use cash. You then withdraw that amount from the bank [...]
You’ve likely heard of the “cash envelope system", the idea of which is to use cash for everyday purchases such as groceries and eating out. I’m a huge advocate of using cash for daily spending but it must be done right. Saying “I’m going to use cash” is one thing, [...]
You probably work as hard as I do, and I know every once in a while my husband and I like to go out to eat, as sort of a mini celebration for conquering our weekly goals. Well, in order to take the stress out of dining out, use cash! [...]
The simplest description of the Diderot Effect is this: “The introduction of a new possession into a consumer’s existence will often result in a process of spiraling consumption.” What does this mean? You buy a new car and now you need a new tint job, new rims, a new phone [...]
The average American household spends over $200/month on their cable bill. For most of us, that makes cable our most expensive utility. Learn how to save money with streaming by cutting the cable cord in this episode of the Fiscal Fitness Podcast. Notes from the episode: Guest expert (and [...]
How many times have you looked at your bank statement or checking account debits to say what the heck are all these iPhone charges for? We see this ALL THE TIME with clients! They signed up for apps or programs or free trials on iTunes and have no idea what they [...]
Adoption can be one of the most loving and selfless things someone can do. It's fair to say that the foster care system for each state is extremely underfunded and overfilled with children that need loving forever homes. Michael and Kelsa made the decision to adopt through the Arizona foster [...]
It’s one of our favorite times of the month! It is time for the FC Beat. That’s the Financial Coaches Beat, in case you didn’t know, where Jaclyn and Jill are giving you the inside scoop on what’s happening, all things in the Fiscal Fitness world. And of course our [...]