Thursday, March 25, 2010

My Crafty Side

has been showing itself lately.

I keep my calendars and daily notes in a standard one-subject notebook that I bought at WalMart. But the covers are usually not my taste.

I found this gorgeous fabric on sale at JoAnn's and sewed a notebook cover. Now I can buy the cheapest ugliest notebook and it will be beautiful!

On the Dave Ramsey plan, we're supposed to shop with cash only, and keep said cash in envelopes. After 18 months on the plan, I still have not implemented the envelope system because I fear losing cash and coins from the envelopes. I needed a zipper! So I took an old shirt that my Nan (grandmother) had given me and made a really cute change purse. It's wide enough for the bills to lay flat (this was very important to my "Monica Geller" side). And my pennies are safe.

Beach Cheap tip-
(adapted from Dave Ramsey)
When you spend cash rather than swiping your debit card, you spend less. Yes, I know, I doubted, too. But when I finally implemented Dave Ramsey's envelope system, I spent less money. At the beginning of the month, take your monthly grocery budget in cash. Put it in your envelope/change purse. When you run out of money, stop spending. So simple. But it really works- because it hurts to spend cash. It is actually painful to part with cash money. Try it. It'll totally change your spending.

1 comment:

  1. So glad you found a way to protect the pennies :) I know what you mean though. We use a coin purse and all of our change goes in there kinda like a melting pot for all the different envelopes. Ours isn't as cute as yours, but then again, I'm not as talented as you are either.