Small change adds up BIG

Does your household work on a budget? Do you find yourself living paycheck to paycheck and when an emergency comes up you don’t have an emergency fund. As, an accountant some people believe that we are really good with money. Well, sometimes that not actually true. I will admit when my husband and I we’re first married we both came in to the marriage debt free!!! YIPPEE.

However, I did  have one credit card because when I started college, why? Because, I didn’t quality or any financial aid and didn’t want student loans and although my parents owed a small business they couldn’t pay for my entire 4 years. So, this is what I did.


I had one credit card with a very low interest rate and I would pay for my tuition & books for that semester and then I also worked a part-time job as a cosmetologist ( I took during my junior/senior year of HS, then took the state examine, passed and I still licensed to this day) and by the end of the semester I would have the credit card balance paid off. Then, the following semester I did the same all the way up to graduation. Sorry, I just had to note that little sidebar!!!


So, my husband and I came in to the marriage debt free, but as newly weds and buying our first house a few years later we got ourselves in a debt nightmare….OMG! Did we fall into the trap that we we’re trying to impression family and friends with what we have, we’re we trying to keep up with the Jones. WOW! now that my husband and I have been married for 21 years officially TOMORROW JUNE 8th, we are SO SO SO pass that. I think it was around the 15 year of marriage and now we are in our third house (Military Family) we just looked at where we we’re financial and say in 10 years where do we want to be…he will be retiring from the US Navy at some point and we need to make sure that we are doing everything that we can to get there.


If you have meet any Accountant before, I think most will tell you that we LOVE spreadsheets. I created an excel spreadsheet that I list all bills/pmts that we make at the beginning of the month 1st and all the bills we pay on the 15th, created a row the displays all 12 months and subtotals for the year and then for each column I subtotal for each month so this gives me a comparable variance of what we are paying each month.

I got rid of as Dave Ramsey says “Stupid Tax”, such as membership fees, can’t get rid of my gym membership, that’s my “ME TIME”. However, I’m done with car payments, I’m working on my husband to get rid of DirectTV, I watch Netflix and besides you can find everything on YOU TUBE!!! For example, if we got rid of DirectTV which our bill is usually around $150-$175 depending if we buy any movies at $5.99 (stupid tax) 

Let’s just use

DirectTV $150 x 12 = $1800 a year

Netflix $8.99 x 12 = 107.88 a year

Netflix, look a whole lot better to me!!!!


What “STUPID TAX” are you paying and are you ready to sit down, look at your household finances and see what you can do without? I’m working on my husband daily to get the DirectTV cancelled, I will keep you updated when that happens. I like for you to test it out like I did and ask your friends & family on Facebook how many of you have cut the cable cord? I tell you I was shocked as to how many of my friends said they had.

Also, with online banking I know a lot of people don’t pay with checks or even use a check register but here is one way I save and I know it will work for you too. Get a check register, when you make a purchase or payment round the amount up to the nearest dollar. For example, if I make a payment/purchase for $257.45, I will round it up to in my check register as $258.00, this keeps the register in whole dollars, helps reduce errors. However, when you reconcile your statement which I hope you are doing. just keep in mind that the ending balance will be incorrect due to rounding.

I will upload a sample of my spreadsheet that I use.


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