An Extra $250

No, we didn't go lurking under our couch pillows and nickel and dime an extra $250 this past month. We actually saved it.
The good 'ol fashioned way.
Well, really the good 'ol Dave Ramsey way.
We envelope budgeted it.

Anyone who isn't a neurosurgeon, lawyer, hedgefund manager, or billionaire heiress probably knows of this system. A few months ago, my hubs and I noticed we had gotten a little sloppy (this tends to happen when you move). We had gone a little DBH (Debit Card Happy) and we could .....scratch that.....I could tell things were getting out of whack. I pay the bills, therefore I would know.

So we enlisted Dave's enveloped budget and went low-cal on any debit card swipes. We put away our fixed expenses: Tithe, Mortgage, Savings, Bills, etc. and left 4 cash envelopes for: groceries, gas, eating out, and misc. Now, to budget groceries in the Ferrell household is a bit of a mystery. We put way too much cash in for eating out. And not enough in for gas and misc. But.....at the end of the month, we had an extra $250 just laying around to put into our savings!! I don't know about you, but I was impressed.

A few years back, we probably would have laughed at this post. Boog and I, in a former life, thought $250 was more like $25. We were young Dallas-ites, childless, and making too much money for people with our shallow, non-sensible minds back then. (I'm a little embarrassed.....)

However, now that we are both teachers, things are different. I'm not knocking the pay, because I know it's way more than the North Koreans (or 80% of the world) makes, but still. It's tight some months. So....envelope budget, you did us well.

Dave Ramsey, you rock!