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


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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.