Our REAL Budget as a Single Income Family in 2018

I use a zero based budget to balance my family’s finances. I wrote an entire post here, teaching what a zero based budget is, and walking you through how to start one of your own. This budget (among other things) has made us able to survive as a single income…

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How We’re Paying off Six Figures of Debt on One Income

$110,000 of debt. That number may or may not come as a surprise to you, knowing that my husband & I are both only 23 years old. And no, that’s not all student loan debt! I didn’t even go to college. Well, I did – for 2 weeks, then I…

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Why We Have So Many Savings Accounts (& why you should too!)

For my husband and I, saving is a huge priority.  We’re in our early 20’s, own a home, and have a family already. There’s a lot that we need to be saving for. We have a strong budget set, and plenty of savings goals that we’re working toward. Oh, and…

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How to Start a Zero Based Budget

What is a zero based budget? A zero-based budget is a budget that runs on the principle of every dollar you earn having a purpose. Your income minus your expenses equals zero. It’s that easy. You bring in $3,000 a month? Every dollar of that $3,000 has a predetermined place to go. For…

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