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I wanted to take a quick moment to share a tool that I love! (okay it isn’t this drill, but this picture I loved because taking control of your money eventually leads to Freedom.)

tools-you-can-use Financial Freedom and Peace.
If you have read my blog before, it is no surprise that I am a big fan of Dave Ramsey, we not only follow his teachings and program, my husband and I are Financial Peace Class Coordinators.

If you don’t know where your money is going every month, than you need to follow a budget- before the month begins and give every dollar a “name”. This sounds simple and it is not, until now Ramsey Solutions has made it so much simplier with their new computer program/app called Everydollar. Click on picture to go to there site.

everydollar

5 Reasons I like “everydollar” over a spreasheet budgeting: 

1.There is a iphone app that gives you access to the budget that you set up on your computer. It  tracks what we have planned to spend, what we have spent and what is remaining in each catagory for the month.  This helps when you are shopping and tempted to say “just this once”. You open the app and look at your clothing budget and it gives you instant balance of what you have to spend for the month for that category.

2. Sounds restrictive? No! You are in charge. You tell your money where to go , before each month begins, each and every month based on the priorities you have set in your life. Seriously, it gives you control and a sense of peace.

3.Unexpected killer  Side benefit, I have found myself not wanting as much.  Sounds kind of funny but, I find myself having a sense of peace that I didn’t know would come from being directive about money and being in control of it instead of wondering where it went at the end of the month. Reminds me  when you are shopping, have no money you find all the best outfits, shoes, and home accessories you could ever ask for, then when you get your budget money for the month you shop and can’t find a thing.

4. I love that it is free. Now I have to fess up and say I did link it to our bank account so I didn’t have to add the transactions manually. That service costs 99 dollars a year, because the bank charges Ramsey Solutions. In my not so humble opinion–It is worth triple that cost. It saves so much time. The other thing I love about it is that it makes budgeting fun. I know— I know— sounds really weird but, I love the ‘control” aspect so much, that it gives you instant gratification.

5. Gives my husband and I the ability to review our budget very quickly. I make the budget and then we sit down and he gives his input and we move stuff around after discussing our priorities. For instance we recently this past year added a wedding savings account for our dear daughter.  She is 19 and in college and far from getting married.  But some day…and I don’t want that day to be full of stress and concern over money. (There will be a budget limit — but we will be prepared.).  every little bit saved is better than not saving at all…