3 reasons I will be keeping my credit card despite living a debt free life
Budgeting

3 reasons I will be keeping my credit …

I have written before about how I follow the Dave Ramsey Baby steps for clearing debt and managing our finances. Under that process it is recommend to close your credit card and to only use cash when making purchases. However…

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The creation of our ‘Budget Box’ – What is it and what do I use it for
Budgeting

The creation of our ‘Budget Box’ – What …

I posted recently about how we have just made the switch from online to real, physical cash envelopes. As part if that we also needed somewhere to store them. So I created our ‘Budget box’ This is a box I…

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Confession time and the switch to real cash envelopes
Budgeting

Confession time and the switch to real …

I have a confession to make. We have built up debt on our credit cards again. This means we are now back to baby step two.  And this time around we are using real cash envelopes  After we moved house at…

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Dave Ramsey – Thoughts on his Baby Steps from a UK Follower
Budgeting

Dave Ramsey – Thoughts on his Baby Steps …

Who is Dave Ramsey? I came across Dave Ramsey when I first started to have thoughts about clearing our debts early. I went to YouTube to look up videos about budgeting and I came across a few American channels who…

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Busting budget myths – Having a budget doesn’t mean you are cheap.
Budgeting

Busting budget myths – Having a budget doesn’…

The word ‘Budget’ has come to mean many things. Not all of them positive. We have budget holidays, clothes, food and budget supermarkets. All of these conjure thoughts of cheap items, cost saving, not very high end and of a…

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