5 Reasons Why Financial Freedom Is Not In The Cards For You

This post may contain affiliate links.  All opinions are our own, honest review.  Read our disclosure here.

Financial freedom – a term that is often thrown around.  But, really, what does it mean to be financially free?

Well, it’s actually pretty simple.  To have financial freedom, you must make enough money to pay for your expenses.

But, are you constantly wondering where all your money goes?  Or why you can never seem to afford your bills?

And, ugh!  If ONLY you could save enough for those new shoes!

Well, the issue holding you back from financial freedom may be simpler to fix than you think.

I’m sure you make plenty of money – it’s where your money is going each month that is the real issue.

And if you’re not sure where all your money goes each month, then that’s an even huger issue!

Wanna know the secret to being able to afford your bills?


Budget systems are SO necessary to grow your wealth and become financially free.


You know what’s worse than never having any money?

Never knowing how much money you DO have.

I mean, how do you pay your bills, buy your groceries, and have money for fun if you don’t know how much money you ever have at any given time?

When friends come to me with help on budgeting, the first question I always ask is, “how much money do you earn and spend each month?”

And, 9 times out of 10, their answer is, “I dunno.”

Queue the blank stares!

‘Cause if you don’t know, then you’re guessing.

And if you’re guessing about your personal finances, then chances are – YOU’RE WASTING MONEY.  A lot of money.

Now, nobody wants to waste money and creating a budget will save you from doing that by helping you track your income.

That way, you know how much money should be in your bank account, making it easy to decide if you can afford something additional to your bills, or not.




There are so many reasons to save money.

For emergencies, for vacations, for retirement, and most importantly, to gain financial freedom.

But, how easy is it to save money for all these important things if your budget (or lack thereof) isn’t helping you do so?

Psh, I don’t know about you, but I don’t want to get to retirement age and not have enough money to actually retire!

Having a budget will help you easily save the money that you would otherwise be wasting if you didn’t have a budget.

When you see your flow of income, it is simple to redirect the money you waste on coffee, entertainment, etc., to a savings account.

That way, it is out of sight and out of mind.

Just sit back and watch it grow!

Even if it is slow growing, something is always better than nothing.


If you don’t have a budget, you’re probably spending a lot of money on unnecessary stuff, even if you don’t realize it.

I mean, if your daily routine consists of a morning trip to Dunkin’ Donuts to grab a coffee and a bagel, you’re not going to think twice about spending that $5.

But!  Think of how much money you’ll have if you strategically redirect it to purchase the new shoes you’ve been longing after.

If you find it difficult to afford the things you really want, try giving up the things that you don’t necessarily need – like coffee.

(Hot lemon water and an apple can give you just as much energy- without the crash.)

Recommended reading: How To Create A Morning Routine To Boost Your Energy

Buying coffee and bagels at the grocery store instead of at Dunkins will still give you your daily breakfast AND something else you’ve been wanting.

And, your breakfast is healthier this way, too.

So!  Start tracking your income and expenses with your new budget so you can afford all aspects of your life.


Before I had a budget, I would constantly analyze my families personal finances.

Anytime we had a bill to pay or wanted to eat out or go to a movie, I would have to calculate if we had enough money.


Not to mention time-consuming!

But, now that I have a kick-ass budget system, I NEVER have to spend time budgeting.

And I mean NEVER.

I always know how much money should be in my bank accounts, making it so simple to pay bills, save money, and have some fun.

Honestly, having a budget system (an automated one) has helped me save at least ten hours each month.

And the best part?  It has 100% been the most important key to gaining financial freedom.

Now, we are able to easily afford all aspects of our lives because our budget forces us to.



It’s no secret that people’s bank account information gets hacked.

I know it’s happened to me.

And you know what saved me time and money?  Quickly being able to recognize the weird transaction on my account.

Because, if you don’t budget your income and expenses, how would you know if there was any funny looking stuff in your account?

You wouldn’t.

Or, by the time you noticed, they may have already drained your entire bank account.


Thankfully, though, due to my budget system, I was able to quickly contact my bank who disabled my account before the one weird charge turned into hundreds of charges.


Are you ready to transform your budget so you can be on your way to financial freedom?

Talk soon!


18 Kick Ass Resources You Need To Rock Your Finances

18 Kick Ass Resources You Need To Rock Your Finances

Do you find it difficult to stick to your budget system?  Or don’t have a budget system at all?

Is saving money difficult?  Or near impossible after paying for bills and other necessities?

Today I’ve gathered up some of the best resources the internet has to offer to help you create your perfect budget system, stick to your budget, and help you save more money than ever before!

I’ve broken the links down into sections so you can easily navigate to the type of resource you’re looking for 🙂

budget tips, how to budget, budget for first timers, simple budget, free printables
budget tips, bugeting, how to budget, free printables, simple budget
This post may contain affiliate links.  All opinions are our own, honest review.

If you’re looking to get your finances in order, you’ve come to the right place!

I’ve organized the best resources about budgeting and broken them down into 5 main sections:


  1. Budget Systems
  2. Budget Tracking
  3. Savings
  4. Debt
  5. Money Saving Tips & Tricks
budget system, how to budget, budget printables

This post may contain affiliate links.  All opinions are our own.

With so many budgeting systems floating around on Pinterest and Google, how can you possibly find the one that works best for you?!

(In my case I finally created my own budget system, ha)

But if you’re not tryna make your own budget from scratch, check out the four budgeting systems that I feel work the best for the most people.

Experiment with different systems until you find your perfect match – it could be one of the ones below or a combination of more than one – the possibilities are endless!


1 – The Budget Automation System by Who Says WhatWant to set up your finances so you literally don’t even have to think about paying your bills or saving your extra cash?  Try out the budget automation system to set up automatic deposits into your accounts with the exact amount of money you need for bills, miscellaneous spending, and savings!

2 – The Basic Budget for Beginners provided by Pretty Providence – great for first-time budgeters and college students!

3 – The Zero-Sum Budget, explained by Hope And CentsThis is a popular budgeting system that works for so many people!  Similar to our budget automation system, The Zero-Sum Budget works by allocating all of your income each month to specific categories, such as bills and savings until you’re out of money.

4 – The Cash Envelope Budget System By The Budget MomThis budget system is great if you find it difficult to spend your money on the right things since the cash in each labeled envelope is the only money you have for that expense.  Find yourself spending too much than allocated on groceries?  Or spending your bill money on personal items?  Try out the Cash Envelope System to eliminate overspending and get back on track with your finances!

}Related reading: The 2017 Budget Boss Binder, How To Use A Budget Binder To Get Control Of Your Finances, Automate Your Budget In 3 Simple Steps}



Now that we have effectively found and implemented the budget system that works for us, we need a place to track our budget, right?!

A sheet of paper would do just fine, but if you like to be a teeny bit more organized, I’ve found some great *free* resources for ya!

5 – The 2017 Budget Boss Binder by Who Says WhatThis binder is great to organize your budget system while also allowing you to track your monthly income and expenses.  Stay organized and on track with your budget by using our free printable budget binder!

6 – Bill Payment Tracker Printable by Clean And ScentsibleIf you’re looking for a simple solution to managing your budget, check out this awesome bill payment tracker to make sure you always have enough money to pay your bills on time!

7 – Budget Tracking For Your Business by Printable CrushPrintable Crush has so many amazing and free printables on their website, and their business budget tracking printables do not disappoint!  If you’re in the business of running your own business, these business budget printables are great!

Related reading: How To Use A Budget Binder To Take Control Of Your Finances




Alright, so our budget system is implemented and we’re successfully tracking our budget each month!

Yay us!

Now it’s time to start saving more money than before, using some handy tips and tricks from the awesome bloggers below!

8 Try the 12 Month Emergency Fund Savings Challenge by The Extra Income Project – its always a good idea to have an emergency fund, just in case!  You never know when you could encounter an unexpected expense!  Try saving enough for your emergency fund with a fun challenge like this one!

9 – These 97 Money Saving Tricks by Growing Slower will add so much extra cash to your savings account!

10 – Try Turning Your Receipts Into Cash to add to your savings accounts with this helpful post from What The Girls Say!



Ugh, debt!

If you have debt, I’m willing to bet that you’re trying to get out of it, right?

Make getting out of debt easier than ever before with the help of these awesome posts below!

11 – Learn How to Negotiate Delinquent Debt with Lauren Greutman 

12 – Get Your Free Printable Debt Snowball Printable from A Cultivated Nest – The post makes it so easy to understand what a debt snowball plan is and how to use the printable to accomplish your debt payoff goals!

13 Check out 9 Ways to Pay Off Debt Fast with Frugal Rules! – These are some awesome tips that most anybody can implement.  Save money by doing such things as getting rid of a bill or eating out less frequently!  Check out the entire list over on Frugal Rules!

14 – Living on one income?  Learn how to still pay off debt with Pennies Into Pearls’ Post: How to Live on One Income and Still Pay off Debt!



Need some more tips and tricks to start saving more money?

Check out some awesome tips below b to cut costs in places you probably didn’t even know existed!

15 – Learn How to Plean Your Meals Like A Pro in order to save money at the grocery store with Smart Mom Smart Ideas!  – She even includes an awesome and free meal planning planner!

16Save money with these 200 Cheap Meal Ideas by Prudent Penny Pincher – Cheap and delicious!

17 – 113 Clothing Hacks to Save Money by Best of Budgets – Save money on clothing so you can spend that money elsewhere!  Or save it!

 18Learn How To Save Money At Starbucks by Best of Budgets! – You can continue to enjoy your Starbucks, now, without the guilt!


Alright, there you have it!

The 18 best resources on the web to organize your budget!

Implement your budget system, track it, get out of debt, and save more money!


What are your favorite resources for all your budgeting needs?!

Talk soon, 


The Best Budget Binder To Get Your Finances In Order

The Best Budget Binder To Get Your Finances In Order

Hello, friends!

We are so excited to introduce our 2017 Budget Boss Binder!

Drum roll pleaaaasssee!

In addition to our 3-step budget automation system, we thought you might enjoy a sweet ‘lil binder to store all your awesome budgeting printables!

We call it our Budget Boss Binder since you’ll be able to take control of your finances, easily and quickly.

Not only will you be able to implement the budget automation system with the binder, you’ll also be able to record a calendar view of your monthly budget, track your expenses throughout each month, and set and accomplish savings goals!

Feel free to use each printable in conjunction with the system, or find your own uses — they’re super versatile!  Also, add any other budgeting printables that you enjoy using to really customize it for your needs!

Use the 2017 Budget Binder to quickly organize your finances and stay on track with your budget!

This post may contain affiliate links.  All opinions are our own, honest review.  Read our disclosure here.


Budget Boss Binder Cover

The 3-Step Budget Automation System Income & Expenses Printable

As part of our budget automation system is the income and expense printable where you can easily record your monthly streams of income and your monthly expenses – fixed and/or variable.

I used to just randomly jot all of this information down on a loose-leaf piece of paper — only to always find myself losing it when I needed to refer back to it for budget tracking, ugh.

Then, I had the hubs create a printable for me and it changed my life.

No, but really.  This thing makes it so easy to organize all of the necessary information simply and clearly and stores great in a sleeve protector in your binder or file cabinet.

Learn how to use this printable in conjunction with our budget automation system to more simply track your monthly income and fixed and/or variable expenses with our super quick and simply 4-Day Email Course!


Or, if you’d rather use your own budgeting system, you can use this printable to organize information about your monthly streams of income and your monthly expenses.

For a more detailed explanation of how we like to use this printable, check out the post here: How to Fool-Proof Your Budget With Our 3-Step Budget System.

*Print one copy for each monthly expense category you want to budget, such as one for your fixed expenses and one for your variable expenses.*

The 3-Step Budget Automation System Bank Account Organizer Printable

This printable is great for keeping track of all your bank account information!

Whether you’re using our 3-step budget system to automate your finances, or you just need a place to write down all the information, this printable gets the job done!

Just simply store in a sleeve protector in your budget binder or loose-leaf style in your filing cabinet — make sure to have a separate hanging folder for all your budgeting printables so it is always easily accessible.

Have more than six bank accounts that you need to record information for?  Just print out duplicate of this printable 🙂

To learn how to divvy up and automate your income into separate bank accounts with the 3-step budget system, check out the post here!


The ‘Month At A Glance’ Calendar View Printable

Personally, I like to have a calendar where I can record my bill due dates – separate from the calendar in my planner.

{Related:  The 5 Best Planners to Get Organized AF}

This way, it’s super easy to quickly refer back each week so you don’t miss any due dates.

It’s also a great place to jot down any surprise expenses for the month, such as doctors appointment co-pays, that will be paid for with your buffer money.

AKA your fixed expense account safety net money 😉

You can also use this printable to get a monthly overview of the starting and ending balances in your account after your total monthly expenses have been paid.

Need to record information for more than one bank account?  Simply print out more than one of these printables and label accordingly!

The Monthly Expense Ledger Printable

The monthly ledger printable is similar to the monthly calendar view printable in that it allows you to easily track your monthly expenses.

The monthly ledger, though, goes into far more detail, allowing you to track the exact amount that should be in your account after each bill is paid and after each payday.

Simply fill in the adjustment space with the bill title or with your payday.

The date section, with, well, the date 😉

The amount with the amount of the bill or how much you were paid.

And finally, the adjusted balance for your fixed expenses bank account.

Need to track more than one account?  Print out as many pages as you need 🙂


The Savings Goals & Tracker Printable


Stay on track and accomplish your savings goals with the savings tracker printable!

Simply list out your savings goals at the top, then as each month goes by you can celebrate sticking to your goals by coloring in the monthly boxes 😉

Saving has never been so fun…and easy!

{Related: Learn how to automate your savings account with our 3-step budget system!}

There you have it!

The new 2017 Budget Boss Binder — making organizing your finances and automating your budget a breeeeze!

What are your favorite printables to organize your budget?  Leave a link in the comments below 🙂

Talk soon,


How To Use A Budget Binder To Save A Ton Of Money

How To Use A Budget Binder To Save A Ton Of Money

This post may contain affiliate links.  Read our disclosure here.

Do you find budgeting stressful, time-consuming, and just plain old no fun?

Me too.

That is until I started using a budget binder to organize my finances!

The one’s I had been using, though, just weren’t getting the job done — so I created my own, in conjunction with my budget automation system.

This system changed the way I budget my families income and expenses and has made my life 100x less stressful.

{Related – How to Fool-Proof Your Budget With The 3-Step Budget System!}

This system is fool-proof, so you basically never have to think about your budget…and whats better than that?

The budget automation system does come with some necessary printables, though, and that is where the budget boss binder comes in to organize all your financial planning!

Are you sick of living paycheck to paycheck? Learn how to budget your money evenj when times are tight with our free budget boss binder! Get yours today!

Do you need some help organizing all your budgeting information?

The budget boss binder makes it so easy to organize all of your budget bossing necessities!

Even though you don’t necessarily have to track your finances once you’ve implemented the 3-step budget system (Haven’t done so yet? Learn how here!), I still think it is a good idea — and even if you use a different budget system, I bet you wanna track your finances, too, right?

That way, you’ll always be able to quickly see how much money should be in your accounts and be able to recognize any funny business in your accounts.

I like to keep my financial planning separate from my regular, day-to-day planner, hence the budget binder 😉  That way my brain doesn’t have to try to think about my budget planning, my life planning, and my blog planning all at once!

I’ll walk you through exactly how my budget boss binder is set up so you can effectively begin taking control of your finances, too!

Continue on for an afternoon of stress-free budgeting!


To get started, you’ll need some supplies to set up your budget binder!

  1. A binder
  2. Monthly tabbed dividers (with pockets for bills and looseleaf paper)
  3. Budget Printables
  4. Three whole punch



Once you have all of your supplies, it’s time to set up the first part of your budget binder – your actual budget system.

Before you insert your monthly tabbed dividers, you’ll want to insert the printables that you use to organize your actual budget so the first thing you see when you open your binder is an overview of your budget.

If you’re in need of a new budgeting system, try automating your finances with our super simple 3-step budget system.

Our 3-step budget system is a way for you to automate your finances so you don’t have to think about paying the bills…ever.  Once you have implemented this system, you will always have enough money in your fixed expenses account to cover your bills (aka fixed expenses).  

Better yet, this system will not only help you to pay your bills on time and without stress, but it will also make it easier to save for the big, or little, things you may want or need.

Try it out, now!

If you have a budget system that you love and enjoy, simply replace your printables with ours in this section of your budget binder 🙂

Having a place in your budget binder to store your financial planning is great to keep yourself accountable and on track with your budget.  It’s easier to follow your budget when you’re able to visually see it each month.

SO, Budget Binder Setup Thus Far 😉

1 – Binder Cover

2 – Income & Expense Printable, three-hole-punched or in sleeve protector OR your budget system printables

3 – Bank Account Printable, three-hole-punched or in sleeve protector OR your budget system printables



Next in the binder will be our exclusive budget boss binder printables, used to track your budget from month to month and create and accomplish your savings goals!

Here is where you’ll want to start inserting your tabbed binder dividers for each month, inserting one of each of the following printables for each month.  You could also use labeled sticky note tabs on your calendar printable to accomplish a similar effect.

If you have more monthly printables that you love to use, insert them here!


The first printable I like to insert behind my monthly dividers is the monthly budget calendar printable.

This printable is great to get an overview of bill payment due dates and any surprise expenses for each month.

And, bonus! This printable is un-dated so you can easily use it for any month and year by just filling in the number slots yourself.

You can also use this printable to record your starting balance for your fixed expenses account along with expenses for the month to get a final balance at the end of the month.

That way, you always know that your account does indeed have the right amount of money for your bill payments.

This also makes it super easy to quickly recognize suspicious activity on your account.

Ah, doesn’t it feel good to see your budget system working so well?


Next in your budget binder is my fav printable for budgeting!

Even though we’ve set up our finances to automate themselves with the 3-step budget system, I still really like to track my expenses and the balances in my accounts.

And if you have your own budget system that you use, I bet you need a way to track your income and expenses each month, eh?

Start by recording the starting balance in your fixed expenses account at the start of the month.

Then, in the ‘adjustment’ section, simply right the name of the expense, such as, “Rent.”

Next, in the ‘date’ section, well, you got it 😉

In the ‘amount’ section, record the monetary amount of your expense.

And finally, record your new balance in the ‘balance’ section — where you’ll always be able to refer to for the exact amount of money in your account at any given date!


Having this printable in your budget binder will make tracking your expenses each month super simple and will also make it easier to catch accounting mistakes or suspicious charges!

The best thing about this printable is that you can use it for all of your accounts if you want to.

Want to track your spending on variable expenses, such as shopping and take-out?  Do so with multiple labeled copies of this printable in your binder!  


Next in your binder (in each monthly section) is our savings goals and tracking printable!

We all have something we’re trying to save for, right?

Maybe a house, a car, or a vacation?

This printable, along with our 3-step budget system, will help you easily save for the things you want!

Simply set your goal and then automate a fixed amount to go into your savings account each week – even if you can only afford $50 per paycheck.

This way, your spare money will easily accumulate without effort in an account you cannot (or shouldn’t) touch instead of floating around in the same account with all your other money.

Each month, check off the box after you’ve accomplished your savings goals 🙂


After my monthly tabbed sections, I like to store miscellaneous financial information in my budget binder.

This is where I insert bank account information, credit card information, and bills I like to keep on file.

I simply stick all similar documents in a sheet protector and then stick a labeled sticky tab onto the sheet protector to easily navigate the information.

You could also use folders for this.

And there you have it!  Your completed budget boss binder!

What are your favorite budgeting printables?  Link to them in the comments so we can make our budget binder even better 🙂

Talk soon, 



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