Category Archives

Household Budgeting: Day 2 – Record of Accounts

Budgeting & finances are not the most “exciting” task to accomplish.  But if you get your finances organized, it can be more bearable.  If you are struggling to pay your bills, or if you couldn’t tell me how much you owe on your debts, you especially need to go through Read More

Household Budgeting: Day 1 – Assemble your Binder

  Welcome to A Bowl Full of Lemons “2013 Budgeting Series”.  This week I will help you get your budget planned & organized and help you create a system that will get you out of debt. We will be organizing it one step at a time. If you already have a Read More

Budget Binder: Household Budgeting Planner

    Is your spending spiraling out of control?  Are your bills piling up with no organized way to track or pay them? I created a manageable way for you to get control of your household budget with my “Budget Binder: Household Budgeting System”.  The system includes everything you need Read More

Budgeting Percentages…

Once you’ve established a budget for your household, you may wonder whether or not the amounts you’ve set are reasonable. After all, you don’t want to fall back into bad habits of overspending in certain areas, and you most likely want to be paying down debt at a manageable pace Read More

Cash Budgeting: Do I really need to track every dollar?

If you’re operating from a cash budget in key spending categories, chances are you go to the bank each pay period and withdraw a certain number of 20’s, 10’s, 5’s, and 1’s. Then you distribute the bills to envelopes or your wallet sections based on your pre-determined budget amounts. From Read More

What budgeting software is best for you?

   Back in December, I spoke of the wisdom of cash budgeting and how research shows that most people spend less when they’re faced with the pain of parting with actual cash. I also acknowledged that there are categories for which it’s usually not practical to deal in cash—specifically Read More

Budget planner…

Keeping track of bills, paychecks, money, and budgeting is a JOB!  To make life easier for me, I created a “Budget Planner” that I use to take care of the finances in our home.  I purchased this planner at Filofax. Its the Aston (Personal Size) in Mushroom color.  I find Read More

“Budget” First Aid…

  I love the start of a new year. It means a fresh calendar, pretty & practical organizing pages to print and try out in my binder, a list of books I’d like to read over the next 52 weeks, and anticipation of what the coming months hold. However, it can Read More

Conscious shopping…

On the very last day of the year, December 31st, there’s a not-so-well-known national holiday simply called,  “Make Up Your Mind Day” [I’m not kidding!]   Image courtesy of Who among us hasn’t bought something on a whim?  Most of us don’t think much about the decisions we make, Read More

Cash budgeting…

Isn’t a cash budget so “last century?” Image courtesy   I know what some of you are thinking when you read blog posts or articles about using a cash budget. “Why would I do something so archaic when there’s an app/software/tool/etc. for tracking my spending? Get with the times!” I Read More

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