Hello, beautiful readers! Today is Day 28 of the #RRBC 30-Day #Blogging Challenge! It's also BEACH DAY! For those of you who are just joining my blogging journey, Sundays are beach days for me! (And welcome to my blog!) :-)
So, after I woke up, I had breakfast and read/commented on a few author blogs. Then, I got ready for the beach. I spent the entire day there with my friends, as usual. Once I got home, I showered, washed and blow dried my hair, made dinner, and watched a show with my son - a typical Sunday for me.
Toward the beginning of this blogging journey, I shared that when I got divorced, I was drowning in debt. Luckily, I had been raised by a dad who insisted we have family financial nights once a month. My sister and I hated sitting at the dining room table and listening to him go on and on about what money came into the house and how that money was spent for the month.
Now, as an adult, I am beyond grateful for his lessons because it helped me save my house and pull me out of debt. It has also helped me become financially stable enough to enjoy trips.
So, how did I do it? Excel became my best friend. I created a spreadsheet where I listed every large expense I had, the money coming in, and the money I needed to send to savings (first to pay bills during the summer because I don't get paid in the summer as a teacher, later to save for trips). Then, I subtracted my bills and the money I sent to savings from my income to see how much money, if any, was left over. Here is a simplified example of the spreadsheet I created: