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How To Use The Envelope System (& WIN an Envelope System Wallet!!!)

I’m a HUGE fan of the Envelope System. You may have heard of it – Dave Ramsey has been touting its benefits for years, and frugal housewives have been using it for decades. It can seem overwhelming at first, but here’s a quick tutorial on how to get started using it to save your family BIG money. First, let’s talk about WHY. To put things simply, people spend more when they swipe a card over using cash. It’s all about the way your brain registers the money as a tangible resource leaving your possession. When you swipe a card, it’s an abstract thing – you Read More

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Endless Weekends

I’m sure you have heard the old saying “You never get to the end of your life and wish you had spent more time working or earned more money or success. You wish that you had spent more time with your family.” I’ve gotten several comments lately about how lucky I am to have my husband around all the time. I know, BELIEVE ME, I know. 18 months ago, Byron was a First Sergeant in the Army. He was up at 4 am every day and off to work. He often didn’t come home until 8 or 9 pm, or later. Sometimes he worked all night Read More