Tag Archives: budgeting

Mint: budgeting

31 Jan

One of my 2014 purposeful goals is to be more aware of what I save and spend; to be a good steward.  I signed up for mint.com at the beginning of the month for a prettier option than a self-created Excel spreadsheet.  I had heard some great recommendations and I love it.

mint.com--theSpunkySapphire.wordpress.comvia

Since Mint is connected to your bank and/or credit cards, it does half the work for you!  Every time you spend using those, it updates your budgets to show it.  If you’re a cash spender like myself, there is an option to input those transactions as well toward your budget.

Once a week, I go through and add the cash transactions and take stock of where I’m at for the month.  Mint also sends you a weekly update to show where you’ve spent and how much you have left, where you went over budget, etc.

mint.com: a month with mint--theSpunkySapphire.wordpress.comexample via

You’re able to set specifications on which notifications you prefer to know about and can set as many or as little as you’d like!

I’ll admit, I went over budget because of a car repair, driving a little extra for family things, and caving at Target once or twice.  But, I’ve only spent cash (hooray for tips) and haven’t dipped into the big money.

After this first month, I am even more in love with the organization of it all.  I can see all my accounts, organize everything into it’s own little box, and celebrate the goals like seeing my savings grow and successfully cutting back the grocery bill!

I deem this a goal well on it’s way, and it’s only January!  Success feels great!

This is my personal opinion and I am not getting compensated for my thoughts. I just wanted to show how I make this goal happen!
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the real deal

10 Jan

Okay, I have to be honest with you–I’m already feeling behind in 2014.  Ack!  I was supposed to have given you my vision for the year four days ago and posted on the glamour of it all and how I’m going to be awesome (and you are, too!).

Instead, it’s now Friday and I still only have brainstorming pages for that post.  However, this first full week of January has been very cool.

I got my newsletter from Jess Lively about feeling behind already this year and she actually titled it exactly what I’ve been telling myself all week in this case:

“Getting it right is better than getting it done.”

What real budgeting looks like (not pretty styled shoots)You have no idea how much I just want to get going already on my ideas, but I want to do it right.  That means I don’t rush to just put something up here.  That means taking the time to sort through my stuff and find the right home for it so my home is easier to feel inspired in (since I do most of my work here).  That means being patient (yikes) so I only put out the best work.

This mess has been one of the steps I have taken this week toward simplifying, clearing the junk, and streamlining for a purposeful year.  I actually wanted to post a gorgeous image of my planner all washi-taped-out, a pretty bloom, my beautiful editorial calendars and more.

As I was sitting here, though, sorting receipts and looking at this month’s expenses versus income while learning Mint, I realized that this image more adequately shows what my week has looked like.  Just sitting in a productive mess and loving it.  Since Monday, I have watched everything go from an absurd mess to neat little cubbies of organization and prettiness.

I am not saying that it’s perfect, but it’s getting done and the things that matter most are getting plenty of mulling over so I can do them the best way the first time.

Final steps for tonight: finish my goal-planning and vision so I can share with you on Monday!  I’m thrilled to be starting a new year and making it purposeful.  Happy Friday!