Years ago, I was driving home from work one day when I heard something on the radio that caught my attention. The guy on the radio had mentioned San Diego, and as I’d recently moved to Texas from San Diego, I stopped switching through the channels and listened to the programming. It was Dave Ramsey, and he was talking about money.
At the time, I had never heard of Dave Ramsey or his plan for getting out of debt, and I was intrigued. This prompted a lot of research and talks with my husband, and we soon started following Dave’s program.
Today, we are debt-free. You can read our debt-free story here.
We don’t strictly follow Dave’s plan. We don’t always spend as well as I’d like to. We’re not perfect with our money, although we are always getting better and better. But we continue to budget every month, and this has been something of a miracle worker in our family.
Based on the system we use and the way it has positively impacted our lives, I’ve put together a 60 Day Budgeting Challenge.
Here’s how I feel when we budget:
- Less stressed about how I am going to pay for things
- More intentional about spending (I buy way less crap when I have a budget!)
- Less tension in my marriage (how often do you fight about money? My husband and I are pretty aligned about money, most of the time, and we still fight about it – budgeting stops that in its tracks)
- Prepared for emergencies (we have an emergency fund)
- Ready to give when the kids have (ANOTHER) fundraiser I wasn’t expecting
- Less overwhelmed or surprised by bills
- Prepared for holidays (Christmas did not put us into debt this year), birthdays, and routine expenses like hair cuts
- Not intimidated by future expenses, like college for the kids (the kids have a college fund we contribute to monthly)
- Guilt-free when I go on a shopping trip for myself and/or my kids
Those are just a few examples of the benefits of budgeting.
Budgeting is not about having less and pinching pennies, although it certainly can be. Budgeting is about spending well and managing your money. The changes that manifest in your life might surprise you. Maybe you’ll get out of debt, reap the benefits of intentional spending, or even notice improved relationships.
And don’t get me wrong! We’re not perfect at managing our finances. We overspend sometimes (hello, weekend in New Orleans) and we often have to adjust our budget during the month for something unexpected. But that’s okay.
We control our money. It doesn’t control us.
I want you to have the same control of your money.
The 60 Day Budgeting Challenge is free. Here’s what you can expect:
- Emails with helpful videos, tips and “homework” to help you get your budget under control (including a reflective spending worksheet that will help you get started)
- A private Facebook group for support, community, tips, and more
- Free printable tools to help you understand your spending, get organized, and plan accordingly
- Access to exclusive content for Challenge Members
This is not gimmicky. I can’t promise that you’ll be out of debt or have X amount of dollars saved at the end of 60 days. Rather, you should expect to have a working budget that your whole family can live with and the peace, ease of mind and freedom that comes with knowing how much you’re making and where you’re spending it all each month (and the BONUS is that you may find you have more money than you realized…or, you may find some expenses that you can get rid of so you’re not stretched so thin each month!).
I would love to have you join me. You can sign up below. You will receive your first email, and your first bit of homework, right away!
Questions? We’ll be able to communicate directly via email and/or the Facebook group, but I will also answer any questions or comments you leave here, so don’t be shy!
I also have a 30 Day Meal Planning Challenge – learn more here.