Spend Better

Action Tip:  You can only be still when you aren’t craving. Have a belief that’s the tether to your outlook and attitude. Find true nourishment which satisfies all your needs,  biological, spiritual, social and psychological, that turns off your cravings. Search for and experience that deep satisfaction that sustainably turns off all cravings. This can help you spend better.

Live below your means and above your circumstances for a richer life.

Set Aside Fleeting Desires

Action Tip:  Challenge and commit yourself to not buy anything unnecessary for 30 days. Keep a list of what you want for 30 days and see if you still desire it afterwards. How much will you save?

I’ll share my list in 30 days. Will you?

Live below your means for a richer life.


Visual Budget and Spending Map, Part 6 of 7

Map Your Spending with Color

Here we get to the fun and beautiful part of the visual budget. We map our spending with color!

Remember in Step One, where we listed our income and then picked colors for each one? Well, now we get to use those. Color in each bill and spending item that you will use that money on. You instantly know what each check goes to and you don’t have to think about how you are going to pay things.

Step 6 - Map Your Spending and Color In Your Visual Budget_Page_1

Step 6 - Map Your Spending and Color In Your Visual Budget_Page_2

For example, the blue income $1701.06 will pay the car insurance, rent, some groceries, some gas, some baby and personal items.

We have one more day left. Tomorrow, we’ll go over some spending tips and how to coordinate your visual budget with your cash, checking account and credit cards so you don’t feel overwhelmed and confused balancing them all.

I really hope you find this helpful because it allowed me to gain control over where my money goes. I truly hope it can for you too.

Live below your means for a richer life.

Day 8 of 180 – Trekking Up the Money Mountain

Action Tip:  Now that you have your calendar filled in with all of your bills and desired spending we have to match reality to what you want to do.

Open this First Allocation and use it as an example as we go step by step below.

  1. Black out anything that you already paid. For instance, I paid the June 1st rent last month so I crossed that out.
  2. Put a star next to everything you will use cash envelopes on. For me, that’s groceries, gas, baby, toiletries/household and blow money.
  3. Do a first pass at allocating what money you have coming in to what you want to spend it on. Pick a time frame that you want to work with. I picked the time period for anything I can pay with my June 1st to June 31st income. That will run from June into July.
  4. In different color highlighters, underline all the money you have coming in. For instance, my first check, I underlined in blue highlighter.
  5. Then, highlight in that color what you want to pay with that money. For instance, that first check I highlighted in blue, I want to pay childcare with it.  I underlined childcare in blue. Continue to underline everything you want to pay with each income piece. The goal is to match each income amount to all spending desires in that same amount.
  6. Now, let’s see if your income equals your outgo desires. At the bottom of the page, put the amount of income underlined in its color. For example, my first check was blue for $1,570.06. I put a blue underline and write $1,570.06 on the line. Now, I add up all the blue spending lines I picked.  I picked $1,922 worth of spending. Subtract one from the other and I’m 352 over budget.
  7. The income has to equal the outgo, so I’ve got to figure out how to get that to zero. I figured out I could change my annual term insurance from $336 to monthly for $29.40 to get that within my income parameters.
  8. Rework your budget until each income – outgo = zero. I went ahead and did that here:  Second Allocation

Phew! That was a lot of work!





Day 7 of 180 – Trekking Up the Money Mountain

Action Tip:  Now as bills come in firm up the numbers on your calendar. You can erase and replace those with question marks and put in real numbers.

Whichever is easier for you to stay informed, stop e-billing and get paper bills or stop paper billing and get e-bills. Get those bills or e-bill files organized so you know what is due and when.

If you get in random money, add that in too. If you get in checks to cash, keep them in a safe spot to deposit so you don’t lose them.


All of that sounds so simple and easy, but this in itself can take a whole day.


Now,tomorrow the fun begins and we can start coloring in our financial picture!