Cash Envelope System

Cash Envelope System

I thought I would share a little about the cash envelope system, including the how and the why for you here on my blog. A little back story as to how I stumbled on this system for budgeting. I say I stumbled onto this system because it was all pre wifi and I had no idea about the Dave Ramsey system, which has helped thousands of our American cousins get out of debt across the pond!

When I had my eldest, I was in my early twenties and pretty much penny-less! We were living in social housing and receiving income support. Back then child maintenance was only £10 per week, and I had an undiagnosed Asperger’s child with sensory issues. So, making money stretch to cover holidays, clothing that my child could cope with wearing, Christmas and still be able to put food on the table too.

Ok fast forward to present day and after a hiatus of using our flexible friends to pay for everything, tapping to pay and chipping and pinning, we made the decision to learn to live within our means and begin saving in earnest. We want to save a big deposit to purchase a house. We cannot do that with how we were spending up until the end of January.

Our income is split into segments. We have weekly allocations of our income which needs to cover standing orders, subscriptions and direct debits. This money is deducted from the money in hand amount and then our cash expenses are worked out from the balance.

My Travel Essentials …

My Travel Essentials …

We have friends and family who live a few hours away from us. My parents-in-love are down in Devon and my bestie is over in Wales. So we rack up the miles when we go visiting, plus it is usually a bit of an ordeal trying to get everyone ready and make sure we’ve got everything too. One thing I get ready the night before and shove in my handbag is my pouch of travel essentials.

Giving myself permission …

Giving myself permission …

I have had a few ‘a-ha’ moments throughout this year,however the past week or so they appear to be coming thick and fast! I feel like this year I have repeatedly found myself in situations where I am seeking permission to do things. Which is a bit barking, but I am pretty sure I am in no way alone in that behavioural pattern. Why do we, as mothers especially, feel we need permission to have drive, dreams, vision and success?

Dairy Free Rocky Road …

Dairy Free Rocky Road …

I had forgotten how much I love a simple recipe, especially one involving chocolate. Although since becoming dairy free I have, for unknown reasons, not tried many sweet recipes. Mainly because avocado chocolate mousse just doesn’t really float my boat! Anyway, it took a little trial and error to get the right set on it, but got there in the end, so here is my dairy free rocky road recipe with a twist.

Birchbox {August 2018} …

Birchbox {August 2018} …

This month BirchBox has teamed up with Etsy designers from across the UK to create some pretty special boxes. I was so pleased when asked if I would like to be gifted one as I think the boxes are super cute, and it also meant I could share some goodies with my daughter. I received the brilliant design by Jane Fisher, which is super cool and fits perfectly with this month’s theme of ‘Live a Life Beautiful’.