• How To Create A Personal Finance Binder: Supplies List

    Create A personal Finance Binder

    Having a personal finance binder is a fantastic way to organize your finances. I created a Personal Finance Binder to help with: 1) saving more money; 2) reducing expenses; and 3) paying off debt. In this article, I will show you what supplies you need to create a personal finance binder. Before you get started, […]


  • 17 Reasons Why Your Budget Doesn’t Work

    dollar bill

    Have you had a hard time making a budget that works? There may be a few mistakes you’re making why your budget doesn’t work. In this article, I’m going to give you 17 reasons why your budget isn’t working, and what you can do to fix that.   Reasons Why Your Budget Doesn’t Work   […]


  • How To Have A Social Life On A Budget

    Toast With Wine Social Life On A Budget

    Do you have FOMO? FOMO stands for “fear of missing out.” A lot of my financial clients say they have a hard time sticking to their budget because they just can’t say no when friends invite them out. In this article, I’m going to show you how to have a social life on a budget. […]


  • How To Choose The Right Budgeting System

    pay debt faster

    Have you been having a hard time finding a budgeting system that works for you? I talk a lot about budgets on Dollars Plus Sense, but I didn’t realize with all the options it may be hard to decide which one to use. In this article, I go over the 5 most popular budgeting systems […]


  • How You Can Use The Cash Envelope System Without Cash

    prepaid debit card (why your budget doesn't work)

    You may love the idea of the cash envelope system made famous by Dave Ramsey, but you don’t love the idea of walking around with cash all the time. I totally get it! In this article, I’m going to show you how you can use the cash envelope system without cash. What Is The Cash […]


  • How To Use The Cash Envelope Method

    Learn how to use the cash envelope method. This is a perfect budgeting system for beginners. FREE printable envelope templates included. Get started and save money today | cash envelope system | frugal living | best cash envelope system | simple cash envelope system | #FinancialPeace | #DaveRamesy

    You may have heard of the cash envelope system made famous by money guru Dave Ramsey, but you might not be sure exactly how it works. In this article I will discuss what is the cash envelope method for budgeting, and how to use it.   What Is The Cash Envelope Method The cash envelope […]


  • What Is A Sinking Fund And Why You Need It?

    What Is A Sinking Fund

    You probably have heard of the term “sinking funds” from some of your friends, or money gurus like Dave Ramsey, but never understood what they were. In this article, I will discuss what is a sinking fund, and why you probably need it. What Is A Sinking Fund? A sinking fund is when you set […]


  • Reverse Budget: How To Budget When You HATE Budgeting

    hate budgeting

    I personally LOVE to budget, but I know a lot of people HATE budgets. It can seem like a financial diet. It takes discipline and you may feel restricted or deprived of certain things. That might be why a lot of budgets fail. Find out if a reverse budget as a strategy for you.   […]


  • Step-By-Step Plan Every Beginner Needs For Financial Freedom

    Plan To Be Financially Free

    Do you feel overwhelmed and don’t know where to start with your financial freedom journey. You might have multiple financial goals that you want to achieve and ask yourself “Should I start saving money first? Or should I pay down debt? When should I be investing and saving for retirement?” I understand that it could […]