Saturday, January 7, 2012

My 2012 Bill Budget Organizer - Home Financial Book Craft

With it being a new year and all, I decided it was time for my family to get out of debt and stop living paycheck to paycheck. Now deciding all of this was pretty easy, but applying it would be much harder. 

Where does one start when changing their spending habits? By seeing their spending habits! I first realized that before I could change our habits, I needed to know what those habits were. So DH and I sat down and wrote them all out on paper. It wasn't pretty but it was a great start. After listing all of our expenses, I was lost on the next step. I knew that we needed to find a way to separate the money from the checks into sections for our bills and other expenses, but how? I had tried a few methods in the past but I never stuck to them. One method I had tried many times was the envelope system. Ya know, have one envelope for each expense then dividing your checks into the sections so you have money for all of your bills? Yea that one. So I researched it a little more to discover this Dave Ramsey fellow. He's pretty spot on with his "how to" on the envelope system. After watching his videos covering the baby steps, I decided to try the envelope system again but this time with success. 


So I create my Bill Budget Organizer based on the envelope system. I'll explain with pictures!

I had this little black planner case in my crafting stash. I had planned on using it for a recipe book, but it was perfect for the bill budget organizer.
 
 










 
I left the note sheet that came with the planner in the case. I'll be using the note section to record our income, debts, parental assistance, and anything else I need to write down.


Now I used one envelope for each expense. I hole punched and labeled them, then I put them into the planner case. I organized the envelope by using different colored gel pens on the labels and putting them in order by earliest due to latest due. The different color gel pens are to represent which expenses are paid with which check. Each envelope is labeled with the title of the expense, the due date, and the amount due. The check mark indicated if the expense has been paid. I also keep the receipts in the envelopes until the end of each month; then all receipts will be filed away in my filing cabinet.





So the color key: Blue - check 1, Green - both checks/dual check expenses, Purple - check 2

And I almost forgot . . . 













Then there is another notepad and business card holder sheets behind all the envelopes. I also keep a datebook found at Hallmark in the front left side pocket (not pictured) to keep track of due dates and appointment dates.

By the way, yes, we have more than just 8 categories. To tell y'all the truth, we have a total of  20 envelopes.


Soooo, what do y'all think?!

Free by Mail: Shout Color Catcher Sample


Click HERE to request a free sample of Shout's Color Catcher. Simply fill in then submit the form.



Thanks, Coupon Pro

Free by Mail: Send a Friend Hills Bros Cappuccino Sample ~ Facebook Offer




Head over to the Hills Bros Facebook Page to send a free sample of cappuccino to a friend! They offer two flavors for you to send: butter rum and gingerbread. Also once you've sent a sample, you can print a coupon worth -55c/1 any Hills Bros cappuccino. Remember to hit the back button to print this coupon twice.

My mom sent me my sample *winks* who will send you yours?


Free Fun: Online Storytime from Barns & Noble



Spend some free time with the kiddo by listening to an online storytime! This offer is so cool, simply click HERE to listen to a read a long brought to us by Barns & Noble. This month the story is titled: Snuggle Puppe by Sandra Boynton.



Thanks, Rockin Deals

Grocery Stores: Homeland Deals Jan 4 through 10

Here are my grocery store deals for this week at Homeland. Deals run January 4th through the 10th.





Yoplait Yogurt 4 to 6 oz Single Cups @ 50c each
-40c/6 ~ DBLx1.7.12 ~ FC: 37c ea wyb 6
$1.00/10 ~ DBLx1.7.12 ~ FC: 30c ea wyb 10

Healthy Choice Cafe Steamers @ $2.50 each
-$1.00/1 ~ printable DBLxrolling ~ FC: 50c
-75c/2 ~ DBLx2.5.12 FC: $1.75 ea wyb 2

Land O Lakes Natural Brown or Omega 3 Eggs 1 Dozen @ $1.99 each
-75c/1 ~ facebook printable DBLxrolling ~ FC: 49c

Tropicana Trop 50 Orange Juice 59 oz @ $2.50 each
-$1.00/1 ~ facebook printable DBLx2.28.12 ~ FC: 50c

Tyson Any'tizers 22 to 32 oz @ $6.99 each
-$1.00/1 ~ DBLx1.16.12 ~ FC: $4.99

Bob Evans Side Dishes 12 to 24 oz @ $3.19 each
-$1.00/2 ~ printable no larger avail. DBL x1.14.12 ~ FC: $2.19 ea wyb 2
-35c/1 ~ DBLx2.15.12 ~ FC: $2.59
-$1.10/2 ~ printable from coupons.com xrolling ~ FC: $2.64 ea wyb 2

Dannon Activia 4 ct Yogurt @ $2.00 each
-$1.00/1 ~ flyer trade doctors office DBLx3.31.12 (ymmv) ~ FC: FREE

Kraft Natural Cheese Slices 7 or 8 oz @ $2.50 each
-1.35/2 ~ booklet x1.29.12 ~ FC: $1.83 ea wyb 2

Sargento String or Stick Cheese 7.5 to 12 oz @ $3.99 each
-$1.00/1 ~ tearpad DBLx1.31.12 ~ FC: $1.99
-75c/1 ~ peelie DND9 x1.31.12 ~ FC: $3.24
-$50c/1 ~ DBLx2.12.12 ~ FC: $2.99

Green Giant Valley Fresh Steamers or Select Vegetables 11 or 12 oz @ $1.69 each
-50c/1 ~ DBLx1.7.12 or 2.4.12 ~ FC: $1.19 ea wyb 2

Morningstar Farms Meatless Entrees 5.25 to 10.5 oz or 3 or 4 ct @ $3.50 each
-$1.00/1 ~ inside Kelloggs cereal package DBLx3.31.12 ~ FC:$1.50

Ocean Spray Grapefruit, Diet, or 100% Juices 64 oz @ $2.50 each
-$1.00/2 ~ found in multiple magazines DBLx2.28.12 ~ FC: $1.50 ea wyb 2

Puffs Facial Tissues 124 or 400 ct @ $1.99 each
-25c/3 ~ DBLx1.31.12 ~ FC: $1.82 ea wyb 3

Milk Bone Dog Biscuits 16 to 26 oz @ $2.99 each
-$1.50/1 ~ x2.5.12 ~ FC: $2.24 ea wyb 2

Cliff Bars (chocolate chip, peanut butter, white chocolate, macadamia Nut, or oatmeal raisin) @ $1.00 each
-$1.00/3 ~ printable from mambosprouts,com DBLxrolling ~ FC: 33c ea wyb 3

Axe Shower Gel, Deodorant, or Body Spray @ $3.99 each
-$1.00/1 ~ DBLx1.7.12 ~ FC: $1.99
-$2.00/1 ~ x1.7.12 ~ FC: $1.99
-$1.35/2 ~ printable x3.27.12 ~ FC: $3.32 ea wyb 2

Betty Crocker Fruit Snacks @ $3.59 each
-50c/2 ~ printable DBLxrolling ~ FC: $3.09 ea wyb 2

Charmin Ultra Soft Bath Tissue 9 large rolls @ $4.79 each
-25c/1 ~ DBLx1.31.12 ~ FC: $4.29

Bounty paper Towels 8 rolls @ $10.99 each
-25c/1 ~ DBLx1.31.12 ~ FC: $10.49

Vicks NyQuil or DayQuil Liquid 8 oz @ $6.99 each
-$1.00/1 ~ DBLx1.31.12 ~ FC: $4.99

Hidden Valley Ranch Salad Dressing Original 16 oz @ $2.50 each
-$1.00/2 ~ booklet DBLx1.15.12 ~ FC: $1.50 ea wyb 2
-Buy 2 Get FREE Produce up to $1.00 X6.31.12 ~ FC: $5.00 with FREE Produce

Campbells Tomato or Chicken Noodle Soup 10.75 oz @ 59c each
-40c/4 ~ DBLx2.1.12 ~ FC: 39c ea wyb 4
-25c/4 ~ DBLx1.15.12 ~ FC: 47c ea wyb 4
-$1.00/5 ~ printable DBLxrolling ~ FC: 19c ea wyb 5

Bear Creek Soup Mix (potato, cheddar broccoli, potato cheddar, hili, or chicken noodle) 9.3 to 12.1 oz @ $2.50 each
-$1.00/1 ~ DBLx4.23.12 ~ FC: 50c

Nabisco Premium Saltine Crackers 9 to 16.3 oz @ $1.99 each
-$1.00/2 ~ printable and/or flyer/magazine DBLxrolling-unknown ~ FC: 99c ea wyb 2

Bar S Bologna 16 oz @ $1.69 each
-75c/2 ~ DBLx1.31.12 ~ FC: 94c ea wyb 4

Bar S Hotdogs (excludes beef) @ $1.49 each
-75c/2 ~ DBLx1.31.12 ~ FC: 74c ea wyb 2

Target Deal: Target Gift Card Promo - Money Maker Desitin

Here is a great deal on Desitin at Target beginning tomorrow!
Purchase three participating Johnson & Johnson, Desitin, or Aveeno products and receive a $5.00 Target gift card at checkout! This offer is valid through 2/4/12.

Buy (3) Desitin Diaper Rash Cream @ $2.48 each
(3) -$1.00/1 Desitin Product
printable from coupons.com
FC: $4.44 with $5.00 Target Gift Card (net cost: 58c Money Maker)


Thanks, Rockin Deals

Wal-Mart Deal: More Match Ups


Check out these other deal match ups found at Wal-Mart! Best part is no sale needed - all deals are using the shelf price so you can score these at any time!



Suave Deodorant 1.4 oz @ 97c each
-$50c/1 Suave Deodorant ~ 1.8.12 RP
FC: 47c






Enfagrow Premium Toddler Milk Drink 24 oz @ $18.97 each
-$5.00/1 Enfagrow Formula
printable from coupons.com
FC: $13.97











Enfagrow Premium Infant or Newborn Formula 23.4 oz $ 23.44 each
-$5.00/1 Enfagrow Large Tubs
printable from coupons.com
FC: $18.44



Free by Mail: Crystal Light Energy Sample - First 80,000


Hurry over to THIS LINK and fill in the form to request your free sample of Crystal Light Energy drink mix. Please allow 2 to 3 weeks for delivery. Offer available while supplies last - first 80,000 only!


Wal-Mart Deal: $1.06 Halls Cough Drops

Before you head out to Wal-Mart, check out this deal on Halls cough drops!


Halls Cough Drops 30 ct @ $1.56 each (shelf price)
-$1.00/2 Halls Cough Drops
printable from smartsource.com 
FC: $1.06 each when you buy 2


Free by Mail: Gas X Thin Strips Sample


Head on over HERE to request a free sample of Gas X Thin Strips. Simply fill in the form with your mailing address and answer a few question then submit your request. Please allow 8 to 10 weeks for delivery. Limit one request per household.