Say Goodbye to Living Paycheck to Paycheck: Forward Budgeting and the Cash System


This post is part of a series.  To start the series from the beginning, click here.  To browse through the series, click here.

Forward budgeting, also known as the ‘forward roll’ is also a three-step process.  Each month, you project your expenses and savings.  At the end of the month, any funds that weren’t used will be transferred into your savings account.  This process repeats each month.


The envelope system can be used in a similar method to reverse budgeting.  The only difference is that you don’t put a set amount of money into the Savings envelope at the beginning of the month.

Instead, allocate the money into the spending envelopes.  At the end of the month, move any money that is left in the envelopes to the Savings envelope.



Using a printable is a fun way of tracking your finances.  There are many budgeting printables online that would be a great solution for your spending tracking and savings rollover.

Computer Spreadsheet

A computer spreadsheet is very helpful when using the forward roll method.  The main point of the forward roll is to maximize saving potential.  A computer spreadsheet can help you to project your savings over time.  This is very useful when saving up for a large purchase like a house or a car.  You can find multiple examples of tracking the forward roll method with a spreadsheet here.


Apps and programs are a great way of tracking spending but can become very complicated when tracking cash.  I recommend using either a paper tool or a spreadsheet to track cash finances.

Cash For Christmas: 2016 Giveaway!


As I grow into my blog, I’m getting to participate in more and more things!  Today I’m participating in a Giveaway!  There will be multiple winners for cash prizes.

Enter as many times as you would like below!

To get that Holiday spirit started, I’ve decided to reminisce a bit.

Merry Memories – Christmas Caroling

In high school and college I was very into choir and my Christmas Caroling group.  One of my fondest memories in choir was performing with my show choir on the stage in Magic Kingdom Disney World.  As great as all of my choir memories are, my favorite memory from my school days is caroling.

When I was in elementary school, one of my friend’s brothers needed to earn a badge by doing something good for others.  His mom suggested caroling and they invited me to go along.  We went to a nursing home down the street to carol.  This was my first experience with this kind of a performance and it was amazing!

Everyone knew all of the words and was able to sing along.  The pure joy and happiness I saw on all of the resident’s faces was amazing!

I specifically remember one lady in the Alzheimer’s unit who had a baby doll.  She had such a blast singing along to her doll.  You could tell that she was having one of the best days she had had in a long time.  This is when I decided I wanted to carol every year.

We continued to carol every year until about mid high school when friendships began to change.


I decided that I could not let the magic of caroling be lost because of a lost friendship.  I gathered up a large group of friends, planned the event with the nursing home and even had a couple rehearsals prior to the day of caroling.

The caroling group changed a lot over the schooling years.  My fondest memories of caroling are from my college days.  Everyone in my caroling group was a music major except myself.  This left me a bit out of the loop but, my business major came in handy with coordinating the events.

We performed multiple times at the Zoo, multiple Botanical Gardens, and of course quite a few nursing homes.  One of the nursing homes even paid us!  Of course, in the spirit of Christmas, we donated the money to Charity.

I have a few videos from a set part of our caroling.  This was in the dining hall of one of the nursing homes.  After the set performance, we were able to walk around and sing with all of the residents.

The Holly and the Ivy/Up on the Housetop mashup was one of my favorite songs!  We start out traditional, then speed up the beat, and then transition songs in harmony. (don’t mind the camera quality from a decade ago)

Here’s another one of my favorites.  Much more traditional than the Holly and the Ivy.

As I’ve grown, I haven’t been able to coordinate a group of singers every year but I’ve done decently.  After moving across town and into a new neighborhood, I was able to find some neighbors on Facebook to carol with.  This brought back all of my fond memories but just wasn’t the same.  Everyone had a million different things on their minds that took away from the overall experience.

I am determined though to get back into caroling.  It is such a rewarding and enjoyable experience and I can’t wait to share the experience with people who come into my life.

On to the Giveaway

Are you getting geared up for the shopping season? Do you need extra cash for Christmas?? Don’t we all!

We are so excited to be giving away $330 in cash prizes for you to use starting Thanksgiving weekend. Here are the prizes:

1 – $100 Amazon Gift Card
1 – $75 Target Gift Card
2 – $25 Walmart Gift Card
1 – $25 Kohls Gift Card
3- $10 Starbucks Gift Card

There will be 8 winners in this giveaway. Each winner will receive a gift card code to use on the online store or in the actual store.

Now its time to meet our wonderful co-hosts who have made this giveaway possible.

Cash for Christmas

Starting at the top row we have:

Terri – Christmas Tree Lane, Melissa – The Farm Girl Gabs, Christine – Your Strong Tower, Audrey – That Recipe & Munofore, Dana – Goods Giving Back, Tammy – Creative K Kids, Trish – Creative Simplicity by Trish Sutton, Kim – Shopping Kim and Enter Online Sweeps, Ali – Home Crafts by Ali and Ali’s Book Nook, Kelly – Typically Simple, Kim – The Resourceful Mom, Katie – The Ramblings of an Overtired Mama, Angie – God’s Growing Garden, Sarah – Devastate Boredom, Karen – Raising Little Superheroes, Gina – Money Savvy Living, Beverly – Eclectic Red Barn, Melissa – Deliciously Savvy, Beth – Our Pretty Little Girls, Meredith – The Mom of the Year, Laura – Michigan Saving and More, Debbie – Heartbeats ~Soul Stains, Carol – The Red Painted Cottage, Tiffany – A Wandering Vine, Monica – Mommy & Love, Holly – Keeping Life Sane, Sinea – Ducks ‘n a Row, Cindy – Simple Steps for Living Life, Tammy – My Life Abundant, Kari – Keep It Simple DIY, Danielle – Dancing with My Daughter

Please stop by and say hi to these wonderful ladies and their blogs.

The giveaway will end midnight on Wednesday, November 24th, the night before Thanksgiving. You will have 48 hours to respond to the email claiming the prize. If you respond right away, we will get you the gift card code promptly so that you can shop with it on Black Friday! If we don’t hear in 48 hours, we will choose another winner.

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Say Goodbye to Living Paycheck to Paycheck: Choosing Your Budgeting System


This post is part of a series.  To start the series from the beginning, click here.  To browse through the series, click here.

Once you’ve determined which budgeting direction you will use, you need to start to layout the specifics of your budget plan.

One of the fundamental parts of creating your budgeting plan is to choose between a cash budgeting system and a digital budgeting system.

These are not to be confused with budgeting tools such as envelopes, check registers, and other types of tools.  All of the tools for budgeting can be customized to fit the system you decide to use.

A cash budgeting system is exactly that.  It’s cash.  No credit cards, just cash.  Of course, when you get to the point of saving, it could be a good idea to open a savings account rather than keeping a large supply of money around, but we’ll get to that later.

A digital budgeting system utilizes credit cards, checking accounts, online interfaces, apps, and many other technological opportunities.  All of your budgeting and tracking is kept in digital form and you are responsible for sticking to your budget without having tangible money to stop you from over-spending.

There are many benefits to both a cash system and a digital system.

Cash Budgeting

Cash budgeting is great for you if you like being able physically hold your money that way you know exactly how much you have at all times without having to log into an app or account.  Cash budgeting is also a great option for you if you dislike or have trouble with technology.  The system you use for budgeting should easily fit into your lifestyle.  If you don’t like being on the computer or phone, a cash budgeting system may be best for you.

Digital Budgeting

Digital budgeting is also a great budgeting system.  This system is good for you if you enjoy technology and find it easier to look in your app to see what your balance is.  While the digital world makes so many things easy for us, you need to pay special attention to your spending.  Unlike the cash system, where you literally can’t spend anything more than you have, the digital system shows no boundaries when you pull out the credit or debit card and run a transaction.  On the other hand, with digital budgeting there are a ton of options for charting your spending so you can analyze where all of the money is going.

Whichever budgeting direction you choose, make sure it fits in with your lifestyle and your budgeting needs.