Every Dollar Counts


Let me start by saying that David Ramsey has been a big influence in my life and how I manage my money. David Ramsey is a financial advisor, whom I enjoy watching his podcast on YouTube. I have had the pleasure of listening to his personal story with great enthusiasm. I find it personally entertaining has he too admits that just having a financial degree, did not prevent him from making personal mistakes. He learned his lessons the hard way, by living life. He started with nothing, made a lot of money, and then lost it all. David Ramsey, learned from his mistakes, and currently shares to the world, the to do’s and what not to do’s when it comes to our finances.

One of his concepts is to give every dollar, a purpose, an assignment. In other words, every dollar we have, counts.

Have you ever gone to the grocery store without a shopping list and come out spending way more than you had anticipated? Absolutely! Have you ever gone to the grocery store with a shopping list, stuck to it, and come out feeling great? Yes! Our money, your money, needs a purpose too!

As I sit here today, looking over my own finances, I was proud to discover that I have been making some headway on paying down my own credit cards! Somehow, with a small income, I have managed to pay off almost $1250 in 3 months and now instead of 4 credit cards, I only have 3!

Seeing the proof that you can be successful even with a small budget to pay off debt is inspiring! I was able to do this, because I too, gave every dollar I had an assignment at the beginning of each month, and made a budget, and stuck to it. If I can do it, so can you!

Unfortunately, I have not been able to get my husband on board yet. I do not know why, but hopefully soon, he will catch on. He has a nasty quick shop habit. One of those habits, that he just has to have that high priced drink from the quick shop on the road, instead of waiting until he reaches his destination. For me, I carry a bottle of water for my thirst. And if I want some coffee on the road, I’m smart enough to bring a thermos full.

I find that unplanned spending is our culprit! I hope everyone watches the video so you can be successful too!

Below is the YouTube Video of David Ramsey!

Thank you for reading and watching! Have a wonderful day!

Money Talks

Bridgette~

I am blessed to be here and if my work is helping you in anyway all contributions are welcomed! Thank you in advance. 

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The Big Clean Up


Today, I’m going through the house and doing a big clean up. What a better way to make some extra cash but to go through the house and sale unwanted, no longer needed, never used, items! I have discovered items that have been in my closets for years. I have found items hidden in my cabinets.

The trickiest part of all this selling is that you never know what people want. I have had past garage sales and the strangest items have sold. So my advice to you, is put it out there anyway! Believe it or not, letting go of items, can actually make you feel better and now you have some extra cash!

Now that I have listed some of my useless items for sale, I can now get ready for work. I do apologize for the short write!

Bridgette~

I am blessed to be here and if my work is helping you in anyway all contributions are welcomed! Thank you in advance. 

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100 Envelope Challenge


How would you like to save $5050 dollars in 100 days? By now some of you might have heard about the 100 day 100 envelope challenge, but for those of you who haven’t I thought I would share. This method is a great way to save money.

Take a 100 envelopes and number them 1 to 100 in chronological order. Next shuffle the numbered envelopes and put them in a box. Each day, draw an envelope out of the box and put the exact amount in the envelope that corresponds to the number written down on the selected envelope.

For example, if you pick an envelope with the number 37 on it, you put in $37 dollars.

This method works. At the end of a 100 days you will have saved $5050 dollars! That is just a little over 3 months.

What’s great about this method is you can change it up. Lets say, you don’t have a lot of money to put back everyday. Instead of putting money in an envelope everyday, try once a week. In a 100 weeks, that is less than 2 years, you will have $5050 dollars.

What’s even better is if you have 2 people in the family that can put money in the envelopes. Try alternating weeks. This way you are only contributing to the envelopes twice a month, or every other day, which ever method you prefer.

There are so many creative ways to save money. I knew one lady that would save her $5 bills every year, and each year she would take a vacation with that money. I also heard of a man that saved every .05 cent or nickel that he received and he would put them in jars. I do not know how long it took him, but this very same man drove up to a car dealership and bought himself a brand new pick up truck with his jars of nickels. I guess it took the car dealership a while to count all those nickels cause it made the local newspaper! 😉

Are you saving any money today for those rainy days or for a beautiful vacation?

Money Talks

Bridgette~

I am blessed to be here and if my work is helping you in anyway all contributions are welcomed! Thank you in advance. 

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My Dish Surprise


A while back, I checked into getting a television provider here for us in the small town we live in. I was met with several dead end roads and was told I was going to have to cut down some trees in order to get a signal. So I put the search off and we continued to watch DVD movies and even had some movies sent to us through the mail. Well, being impatient, I decided to try a few more providers and I came across Dish service.

The Dish service came with a satellite that was going to be hooked to the house and pointed up towards the sky, no need to cut down trees. Awesome! To make it even more delightful Dish had a way of finding us an internet provider that would run a line on our property. Hence now I have internet and now I can write on my computer. Fabulous!

Getting to my point about this blog, is this. A few weeks after our installation I came across a flyer about dish that stated if you were to become a new customer you could get a $300 free debit card! So I made the call!

I am happy to say that Dish honored the flyer even after installation and what a blessing making that call did! I now have a free $300 cash debit card! It doesn’t take much to look around you to find bargains, and to make calls, that will save you money, so get off your butt and do it! I did, and I love it! Clip some coupons, fill out those rebates and save some money! It’s easy!

By the way, If you are in America, I highly recommend Dish Service. Its fabulous! They also offer discounts for being older. They also offer discounts for auto pay!

Thanks for reading!

Bridgette~

David Ramsey Paying Off Debt Snowball Method


I just love to watch David Ramsey’s podcast. You can do so yourself by watching them on You Tube. For me personally, financial debt causes a lot of stress. If I do not have the money to pay the bills them I become overwhelmed with anxiety and fear. It is not so much these days that I do not have the money to pay the monthly bills, it is the fact, that instead of gambling a few months back, I became an online shopaholic. I traded one addiction for another. Go figure, and I started racking up my zero balance credit cards to the brink of their limits. So now I have more added financial stress.

For me personally, I do not like to owe money, especially for materialistic things that seem at this point, to serve no purpose. So here I am, feeling stupid, having to pay off these credit cards. I am however, proud of myself for not gambling, and for not shopping online. I am focusing my energy elsewhere into writing, and working on remodeling houses.

Below is David Ramseys video on how to pay off your debts using the snowball method. This method works. I am happy to say, I have successfully paid off one credit card, and now moving on to the last three. I have closed the paid off credit card account.

Just to note, Ramsey is correct. Money management is NOT a money problem, it is a behavior problem.

I hope this video can help you.

Bridgette~