Ray of Hope

Money Saving Mom’s Budget: Giveaway & Online Book Club

Crystal Paine is someone I respect and greatly admire. She is wise beyond her years. After reading her recent book cover to cover, I adore her even more. The Money Saving Mom’s Budget: Slash Your Spending, Pay Down Your Debt, Streamline Your Life, and Save Thousands a Year is a book for anyone who is [...]

Financial Forms, Debt Snowball, Budget Printables for Household Notebook – part 6

This is part 6 in a 7 part series. You will find all printables/forms located at the bottom of this post. All printables are in .doc files and can be edited using Microsoft Word or the free open source software called Open Office. This set of printables is from the Simple Magnolia set. Other sets [...]

How to Make “Pretty” Envelopes for the Envelope System

We have been using the envelope system control our spending. It has helped tremendously. I’ll share more about our road to financial freedom in the next post but first I wanted to share with you how I make our envelopes a bit more pleasing to the eye. I start off with a regular envelope and [...]

Kids just don’t understand about money…

“Mom, can you buy me a watch like this?” “Mom, I want a four-wheeler for my birthday.” “Mom! You never buy us anything!” Am I the only one who hears things like this around the house? Please say it isn’t so. I really was so frustrated with the thought processes our boys had concerning money [...]

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