I must say that my husband and I have a great system for organizing our bills. From the way we used to argue about how to manage the finances I could never have imagined we’d be on the same page using the same system. Early in our marriage I tried all kinds of elaborate systems especially those that included spreadsheets and programs but my husband hated them. He felt they were too time consuming and didn’t like having to boot up the computer every time we needed to manage our finances. As I learned more about his style I came

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I was going through my budget binder this morning and thought about you all. I can remember clearly our decision to become a one income family and all the effort that went into making it a reality. One of the things that really helped us make the transition was getting a clear picture of our finances. One of the first things I had to do as a stay at home wife was learn how to budget one income. We were a two income family now living on one income so some changes had to made. The first thing I addressed

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Germaine and I are consumer debt free and our goal is to be completely debt free by my fortieth birthday. Creating and tracking our budget using online and offline tools has helped us stay remain focused and visually see where we were with our goals. Utilizing several resources and practicing discipline have both played a fundamental part in where we are wit our finances. Ignoring your finances is not going to make financial problems go away so today I’m sharing 4 financial planning resources that will help you set goals, track spending and hold yourself accountable. 4 Resources to Help

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We are at the halfway point for our debt freedom journey and I think now is a good time to stop and share some of what helped us find the means to get rid of all of our consumer debt. One of the reason we want to pay off debt is because carrying debt as we get older will prevent us from retiring and living life on our own terms. We have been able to pay off all of our debt except for our mortgage using just my husbands income and extra money we earned here and there. 5 Ways

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  Faced with the rising costs of education and a highly competitive job market? It’s easy to get off track. Scholarship Zone provides $10,000 scholarships as well as degree and program information to help you achieve your goals. Everything you need to get started is on the site. Just what you need to go back to school all you have to do is Build your profile. This simple form is all you need to be registered for our $10,000 scholarship. Don’t wait to register – the next scholarship will be awarded on October 15th, 2013! You’ll also be providing key

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  My Job Chart is a FREE online chore chart that motivates your kids and earns them rewards that they can save, donate to charity, or spend on toys! You as a parent have your own login to set up each child’s account and what chores that they need to do. Each chore you assign you set out how much the child will earn for completion. Once the child enters that they have completed the chore you have to approve their request to get paid their points. Each point is worth 1 cent (ex: 500 pts = $5.00). Your children are

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This post was brought to you by Genworth as part of a campaign with the  Brandfluential team. All opinions expressed are my own and I only promote campaigns that support the mission of AProverbsWife.com. To learn more about how I choose which companies to partner with please see my disclosure. Have you ever purchased and item and a few weeks later need to return it but wasn’t able to find the receipt? I know I have and while many stores now no longer require a receipt for returns or exchanges some still do. Since the day I married my husband my primary role in

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How do you divvy up your paycheck? LearnVest has developed the 50/20/30rule to help you make the most of your paycheck. One lucky winner will receive; $500 to go towards essentials like your A/C bill in the summer, $200 for a savings goal and $300 for lifestyle choices such as going out for dinner or your yoga classes. To enter, sign up for a LearnVest account and get access to free money tips, tools and advice to help you get organized and be in control of your money and you’ll be automatically entered into the sweepstakes.

This post was brought to you by Genworth as part of a campaign with the Brandfluential team. All opinions expressed are my own and I only promote campaigns that support the mission of AProverbsWife.com. To learn more about how I choose which companies to partner with please see my disclosure. One of our BIG GOALS this year is to begin paying off our mortgage. We are completely consumer debt free which means we have no credit card, department store, student loans or auto loans. We are free or debt all but our mortgage and a small medical bill that will

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More than half the year is gone and we think it’s a great time to talk about financial goals. Many of us made some lofty financial goals back in January and what we want to know is — are you sticking with them? Don’t answer that. Instead let’s talk about where we are today and what we plan to do going forward. As you all know, Germaine and I are debt free except for our mortgage and a small-ish medical bill. It’s been a long financial journey and we have accomplished a lot. Our goal for the next couple of

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(FREE MONTHLY BILL PAY PRINTABLE) This post was brought to you by Genworth as part of a campaign with the  Brandfluential team. All opinions expressed are my own and I only promote campaigns that support the mission of AProverbsWife.com. To learn more about how I choose which companies to partner with please see my disclosure. We’ve written a lot about how we manage our finances and by sharing our experiences has helped to keep us accountable. In an effort to provide financial resources and literacy, we’ve partnered with Genworth Insurance in an effort to provide you with insight about financial management over the next

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Yesterday I signed up for a Capital One 360 kids savings account, for my son to receive a FREE $25. I regularly complete bank deals because; 1. It’s FREE money. 2. Saving money is a priority. If you’re not familiar with bank deals/bonuses let me get you caught up. Bank deals are when you receive a cash or material award for becoming a member with a particular bank. After you receive your incentive it will be your choice of whether you want to continue banking with them or not. Bank deals are another great way that I use to supplement

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 As wives and moms, we know what it means to sacrifice. Even those who are financially stable or very well-off understand sacrificing for our family, particularly our children. Sometimes, we can find ourselves in a situation where we must pay a bill or take a child to the doctor due to illness. We never intend to be caught in a bad situation, but economic struggles or bad budgeting can put us there quickly. So what do we do to stretch our money as far as we can without finding ourselves restless or unhappy? We need to be content. That is

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  1 – The fastest way to not have money, is to make money what you need. If more money is what drives you, you will become a slave to it. Ecclesiastes 5:10-12 2 -  Money looks better in your bank account than on your back. Clothes and accessories are for covering your body. Clothes do not define your character and they should not be relied on to define your social status or build your confidence. 3 – Don’t place your hope in your job, paycheck, savings or investments. Proverbs 11:28 4 – Overworking for the purpose of being rich

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I might be the only person on earth that struggles with having faith in God’s provision but I doubt it. It’s so easy to find ourselves back in the rut of doubting God and the fact that He cares enough about us to meet our needs. It can be especially easy to doubt when we place more of our focus on late bills, lost income and rising prices. With all of this evidence staring us in the face each day it can be hard to believe that things will actually get better financially. While I have not mastered my fears

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Credit Sesame has a patent pending analytic engine, developed by Stanford University to automatically and SECURELY review your consumer debt, home loans and credit profile. They then provide you with information on how you can improved your financial picture! It’s a great service and helps you get your finances organized with all of the neat financial tools that they provide for FREE. To be completely honest with you…what’s offered is something that should probably have a cost involved because it’s so comprehensive in what it offers for managing your money. Click here to check it out.

1 – Fund My Faith Promise. Mr.P and I made a commitment to make a $350 faith promise to support missions work through our church but the kicker is that the money can’t be budgeted from our income. It must come from an unexpected source as a result of prayer and faith. Many of our church members have already shared how God has provided unexpected money via checks and unclaimed funds. It’s amazing and exciting to see how God will provide. I will share an update on where and how we secured our faith promise. 2 – Organize my documents.

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It’s that time again. A new month means I’m looking over my finances and setting new goals for the month which I will share soon. I shared my 5 Financial Goals for February earlier this year and  my financial progress for March early today. One of the key components to managing my finances and paying off over $50,000 in consumer debt was  knowing what I owed. There are several free resources available to track your credit. I like Credit Karma and Credit Sesame. Credit Sesame is so easy to use and once you set up your FREE account you can

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I’m so glad it’s April ya’ll!! I love the start of new months. At the start of every month Mr. P and I sit down and tally up our finances, make monthly goals and talk about the vision for our family. During the process we make sure to include the kids. This allows us to teach them about managing finances and also allows them to have a role in helping our family reach it’s financial goals. My oldest son (11 years old),  is in charge of tracking our NYC vacation fund. After Mr. P and I tally up what we’ve

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If you are on track to becoming a prudent manager of your finances there are several things you should be doing every month including checking your credit report. If you’ve been reluctant to check your credit score because you didn’t want to shell out any cash to do it, you can check it  here for FREE. Last month I shared my 5 Financial Goals for February and will do the same later this month. As I write down my own goals, I thought it would be a good idea to remind you about this FREE offer. It’s so easy to

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