How We Designed Our Budget Step 4-Notetaking

Hi there Folks~ Mr.CBB here… If we’ve learned anything about budgets over the past year it’s that you need to learn how they work before you carry out one.  I admit we jumped in feet first and have learned along the way. This tactic hasn’t been so bad but it can get frustrating, especially if budgeting is a new world for you.  Learning first then proceeding step by step is what we should have done. What we’ve learned over the past couple months is that there were ways to simplify our budget. We found errors in our budget and now realize that we need to have a completely separate Emergency Savings account. You will see all the changes when I post our February 2012 Budget Update. The one thing that has helped us to make these changes is that we kept such detailed notes. This is why I am taking you to this topic in Step 4 Notetaking. Notetaking is an essential part of budgeting. Why you ask? Let’s take a look together here: Scenario: When you were in high school and the teacher taught you a subject did you take notes? Probably, right? Why? So you could take the notes  home and study them to answer questions on a test […]

Kick the Smoking Habit, Save Your Health and Budget Update Week 4

Here we are at week 4 already, can you believe this! We certainly are in awe over our accomplishments. If you would have told us 4 weeks ago that we would be smoke-free by the end of February 2012 we likely would have thought you were nutty. The reality is you have to want it so bad that you can taste victory. You need not wait until you or a loved one has a health scare to make this decision. This was one of the main factors of participants in that Quit Smoking Program we participated in at the start of our journey. For us it was Health first, money last and it should be that way for everyone who wants to quit. You only live once and you can’t put any amount of money on your own life.  I have to admit though that this quit smoking process has been so easy it’s ridiculous.  We certainly thought I’d be sleeping in a separate room by now. As we end this week with a bang we are now coming up for full swing “Driven To Quit Challenge”  beginning March 1, 2012. If we have inspired you or yo are contemplating quitting you […]