Money Money Money!

Something I’ve quickly learned is that when you go all in on something it can get quite expensive. So I have decided to really budget my pinup stuff and well…….budget everything for that matter. So I’m going to give the envelope system a shot!

Primarily because of two reasons…..vintage can be REALLY REALLY Expensive…..or….you can buy a crap ton of REALLY REALLY cheap things thus making it REALLY REALLY Expensive in the long run. Example: New Dress for $75-$100 vs. thrift store dress for $10 but it doesn’t fit me right so I have it taken in, washed, etc. etc. for another $20, oh let me just glue some flowers or something festive on it for another $20…..you get the picture. It goes overboard really quick fast and in a hurry. and for someone like me who has it cranked to Mach 3 at all times…..I gotta slow my roll.

For those of you new to it the envelope system is quite simple. Basically take all the $$$$$ out of your account that is left after you factor in your bills and auto draft payments (i.e.: “After you subtract the amount you need in your bank from your net pay then you know how much cash to take out. For example, if your net pay was $3,000, rent was $1,000, cell phone $80, car insurance $100 and life insurance $35; then you would withdraw $1,785 cash.” http://christianpf.com/how-to-use-dave-ramseys-envelope-system-to-budget/)

Once you have your cold hard cash you stuff it into a ton of envelopes that are categorized. My categories are going to be as follows:

Grocery and Meal Prep

Gas and Car Maintenance (remember I have a habit of breaking down cars) 

Entertainment 

Food/Restaurants 

PinUp Stuff and Clothing 

Gifts (birthdays and start saving for Christmas)

Personal Care and Home Supplies

Health and Fitness 

 Just like these DIY ones: http://www.pennypinchinmom.com/make-cash-envelopes-free-template-included/

Afterwards, you STICK TO YOUR ENVELOPES! if you spend all your cash, tough luck sister, you learned for next time.

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So I’ve bought the Dave Ramsey Total Money Makeover Book and Workbook, I’ve got my cash in my envelopes and Were going to see how this goes. Apparently you can save a pretty big chunk just by switching from credit/debt/plastic to cash. But regardless, one good thing is that this will force me to stick to my diet (I wont be tempted to spend money on cheat meals), I will HAVE to get creative on my vintage find shopping and I will (groan) finally learn that immediate gratification is “not all its cracked up to be”……though I still find that hard to believe.

Loveyameanit,

Ginger Foxwood

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