Whether you’re married or not, combining your finances with a partner can be overwhelming and exciting. Here’s how to do it!
Two weeks into YNAB’s More Money Challenge, I’ve been surprised to learn that I was tempted to make small purchases more than Cassie.
If you’ve wanted to open a retirement account, but have been too overwhelmed by the thought, this post is for you!
I’ve been an avid YNAB user for a few years now, but have never actually done their 30 Day More Money Challenge. After what seemed like constant spending over the holiday months I thought that now would be the perfect time to print out the workbook and try it out.
What I earned, my biggest expenses, and joining our finances!
Given that when the clock strikes midnight, we’re not likely to become a completely different person, it’s important to make your goals or intentions realistic, sustainable, and relevant to your actual priorities in order to give you the greatest chance of success in the long term.
I spent the final third of my “sabbatical” in Ecuador with Cassie exploring this small but incredibly beautiful country.
As I outlined in my previous post, I recently finished up my three month “sabbatical” between jobs, and I spent one of those months traveling around Peru with my two younger brothers. I’ve wanted to go to Peru since I was in 8th grade. One of my teachers, himself an avid traveler, said it was…
Taking a multi-month break from work isn’t normal in the United States, but it really should be. Here’s what I learned during my time off.
Sinking funds are the magic sauce that makes your budget work.
2021 was a weird year. I didn’t hit all of my goals, but all-in-all, there were some exciting moments. Here’s how it all broke down.
Alright, here it is! Our slightly late – but still here – update on our food spending for November.
When I started budgeting, I also started learning a new way to think about time management. Here are three lessons I learned.
Before Plan to Eat, our meal plans were inconsistently and unreliable. With it, meal planning is a dream.
By the end of September, we had already spent $1,400 more on groceries in 2021 than we had in the whole of 2019…and we still have 3 months to go in the year.
Cash dividends are the most common type of dividends. Here’s how often you’ll get them, which companies send them, and everything else you need to know.
If we couldn’t take anything off our plate anytime soon, we needed to change the way we were approaching the plate so that we could tackle it more as a team.
Switching to biweekly mortgage payments can help you avoid thousands of dollars in interest and pay off your mortgage years early.
With 2020 being such a strange year it was interesting to see how this year’s budget didn’t just reflect me and my year personally, but also the collective experience that was 2020.
One of the reasons I’ve been able to build a positive net worth quickly is because I graduated without student loans. Here’s how I did it.
This isn’t a get-rich-quick scheme. It just comes down to math and figuring out what we really want.
We work to earn money, but in the process, we end up losing money, too.
Pausing to celebrate the little wins keeps up your motivation and keeps the to-do list dread at bay.
Understanding how credit works helps you take advantage of it, rather than it taking advantage of you.
Debt means you owe somebody money. Here’s how to pay it down and get some control back.
My philosophy on saving money isn’t one of “making cuts” but of “making choices” and aligning your spending with your priorities.
I love leftovers, and I think you should too. Here are four ways to make the most of yours.
High-interest savings accounts let your money work for you. And thanks to online banks, they’re more accessible than ever.
When you hear the terms “insourcing” and “outsourcing”, you probably think of businesses, but it’s a framework we can also apply to our individual lives and households as well.
Just like preparing for a literal storm, you can prepare for a financial storm with a few resilience-building tips.
Each year, whenever my wife or I hit a busy period of work, I’m reminded of an important lesson I learned shortly after we started gaining control of our finances.
We knew basically nothing when we bought our house. So, here are my top six tips for the house-buying process.
Zero-sum budgeting forces you to view money as the tool that it is and make decisions based on both your immediate needs and your priorities.
Three categories have an outsized impact on your ability to save. Here are some ways to scale them back.
How much money you need to be financially independent isn’t based on your income — it’s based on what you spend. Here’s why.
Bumping up your personal savings rate by a few percentage points can shave years off of your required working years.
Knowing your financial picture can give you a sense of control and direction on how to improve your net worth.
Moving the sock can set you up for future success and help you avoid tragedy.
Budgeting together is different than budgeting alone. Here’s a flexible guide for what questions you’ll need to answer when you start budgeting with a partner.
Time to build wealth has been stolen from the Black community in this country over and over again and continues to be.
Keep this anger, keep this sadness, and keep this line in your budget.
When we talk about merging finances, it can seem like it’s an all-or-nothing type of question. In reality, the decision to merge finances with a partner (or not) can be as nuanced as you want.
Having money conversations that take your individual pasts into context while focusing on your joint future can be incredibly rewarding and sustaining. It just takes a little planning and practice!
It’s been a while and a lot has changed. Both, you know, in the world and personally. I took a break from writing these past two months for two reasons.
72 Things You Can Do While Self-Quarantining (That Aren’t Shopping Online to Try to Stave Off Existential Dread)
Odds are, that thing your ordering online isn’t going to actually give you more control. Here’s a list of 72 things you can do instead of online shopping.
With grocery store shelves being emptied daily as people prepare for possible quarantining with the spread of the COVID-19 coronavirus, I thought it might be a good time to share my favorite tips for saving money on my weekly grocery shop.
Find out what I ate this past month and how it impacted my budget. Get some ideas for your own meal plan!
It’s that time of the month! Time for a review of my past months earnings and spending. When I invite you all to explore the nitty gritty of my finances down to the penny.
For many people the thought of investing can seem overwhelming. However, a successful investment strategy boils down to two very simple rules.
Half of the battle when it comes to saving money is often as simple as paying attention.
Roses are red, violets are blue. Capitalism is a trap, but I’ll invest with you. ❤️
Creating a monthly meal map helps us plan for our busy weeks and get a handle on our grocery budget. Here’s how we did in January.
I have some intense savings goals for 2020, and I got off to a good start this month.
Working toward your financial goals can feel too overwhelming (or downright scary to even begin) so instead, you keep ignoring it.
If you’re trying to break the habit of frequently buying coffee out, try implementing these simple shifts.
When it comes to saving for retirement, it’s best to use the crockpot method: Set it and forget it.
You can become proficient in something by spending five minutes each day on it, and just like interest, that knowledge will compound.
The average wedding in the US costs $29,858, and in our region of Florida the average cost is even higher at $42,038. So, I thought in honor of my one month-iversary, I’d do a breakdown of what we spent.
It didn’t take long to realize every month was a “weird month” and I that as a result I wasn’t getting very far towards my savings goals. Enter sinking funds. *jazz hands*
These questions help keep my spending well within my “budget” and they make me way less stressed.
By focusing on building a strong community we are not only enriching our lives but also creating incredible opportunity to save (and make) more money.
Even though I fully understand that the start of a New Year is ultimately an arbitrary marker of time passing, there’s something I like about sitting down, reflecting on the past year, practicing gratitude, and thinking about things I want to work on for myself in the new year.
Turns out, spending your money more intentionally (rather than mindlessly) leads to having more intentionally awesome experiences and a lot less stress. Who knew?
Hi, I’m Kaylie! I’m 25 and I’m at the beginning of my journey to financial independence (FI). I’m starting Butch on a Budget to help keep me motivated and accountable, and also share my experiences as someone who is just starting to figure out this money thing.
Cassie and my relationship with money hasn’t always been the smoothest. In fact, at the beginning, it was a bit of a roller-coaster.
Let’s talk about money some more!
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