It has been a hot minute since I have talked about budgeting methods and a big reason is, we’ve shifted the way we budget in a big way. Since I was such a proud member of Dave Ramsey’s Financial Peace community, I almost felt a shame after switching my budgeting practice to be a little different than dear, old, Dave’s. However, after walking a friend through how to set up a budget, it occurred to me that I need to share this with more people! Here is a breakdown of the 5 bank accounts we have (trust me, it’s not that complicated) and how we use them to budget less and boost our credit.
Maybe it’s because it has been back to back snow days and frigid temperatures here in Minnesota, but I am dreaming of vacation big time. Over the last few years, as we have worked to pay off our debt and save more money, I have become a lot savvier when it comes to finding sneaky ways to save money on vacation. Here are some of the best tips I have found that have totally worked for me and my family.