Comments on: Add Grace to Your Budget http://smallnotebook.org/2008/08/12/add-grace-to-your-budget/ Encouragement for a Simple Home Tue, 06 Jan 2009 09:44:33 +0000 http://wordpress.org/?v=2.6.1 By: Introduction to Budgeting Part II: The Zero Based Budget | artofthecoupon.com http://smallnotebook.org/2008/08/12/add-grace-to-your-budget/#comment-3944 Introduction to Budgeting Part II: The Zero Based Budget | artofthecoupon.com Sat, 03 Jan 2009 13:05:05 +0000 http://smallnotebook.wordpress.com/?p=797#comment-3944 [...] and then go down the list and include all your variable expenses as well, including “grace“. [...] [...] and then go down the list and include all your variable expenses as well, including “grace“. [...]

]]> By: Lance http://smallnotebook.org/2008/08/12/add-grace-to-your-budget/#comment-789 Lance Sat, 16 Aug 2008 13:33:36 +0000 http://smallnotebook.wordpress.com/?p=797#comment-789 This is an excellent idea - grace! You're right, every month there is usually something that is unexpected. And if we know there is going to be unexpected (because there usually is) - then let's prepare for it. We could all do well to implement this strategy. This is an excellent idea - grace! You’re right, every month there is usually something that is unexpected. And if we know there is going to be unexpected (because there usually is) - then let’s prepare for it. We could all do well to implement this strategy.

]]> By: Lily http://smallnotebook.org/2008/08/12/add-grace-to-your-budget/#comment-788 Lily Fri, 15 Aug 2008 16:20:58 +0000 http://smallnotebook.wordpress.com/?p=797#comment-788 Ha! You are amateurs... when I was a child I swallowed a note! Actually it was one of the tiny magnets we used at music school on a metal pentagram. It looked so much like a liquorice candy called GOLIA that I just had to put it on my tongue... http://i211.photobucket.com/albums/bb219/gigi4808/Reviews/024211.jpg Ha! You are amateurs… when I was a child I swallowed a note! Actually it was one of the tiny magnets we used at music school on a metal pentagram. It looked so much like a liquorice candy called GOLIA that I just had to put it on my tongue…
http://i211.photobucket.com/albums/bb219/gigi4808/Reviews/024211.jpg

]]> By: Marci http://smallnotebook.org/2008/08/12/add-grace-to-your-budget/#comment-787 Marci Thu, 14 Aug 2008 03:40:02 +0000 http://smallnotebook.wordpress.com/?p=797#comment-787 As always...thank you for your post. I love the picture of your daughter! :) We had to make a couple of those types of rules also. For my daughter at age 4...now 15...do not feed your brother his bath water. For my son at age 2, now 13...rolling the kittens down the basement steps is not funny! Looking back, it all seems pretty funny now. :) Wonderful memories! ~Marci As always…thank you for your post. I love the picture of your daughter! :) We had to make a couple of those types of rules also. For my daughter at age 4…now 15…do not feed your brother his bath water. For my son at age 2, now 13…rolling the kittens down the basement steps is not funny!
Looking back, it all seems pretty funny now. :) Wonderful memories!

~Marci

]]> By: Holly http://smallnotebook.org/2008/08/12/add-grace-to-your-budget/#comment-786 Holly Wed, 13 Aug 2008 20:47:35 +0000 http://smallnotebook.wordpress.com/?p=797#comment-786 Thank you for reaffirming this idea. Over the last month I have been trying to use cash for all non-grocery, non-gas purchases. I've also realized that I do need something for unanticipated expenses. I started using the $50 or so in change and small bills that I keep meaning to put in the bank. I take it out when I need it, and put it back when I have it. (I've had a couple of weeks where I've had a little cash left over.) It's a great way to allow myself a buffer without using my "real" savings. Thank you for reaffirming this idea.

Over the last month I have been trying to use cash for all non-grocery, non-gas purchases. I’ve also realized that I do need something for unanticipated expenses. I started using the $50 or so in change and small bills that I keep meaning to put in the bank. I take it out when I need it, and put it back when I have it. (I’ve had a couple of weeks where I’ve had a little cash left over.) It’s a great way to allow myself a buffer without using my “real” savings.

]]> By: sarah http://smallnotebook.org/2008/08/12/add-grace-to-your-budget/#comment-785 sarah Wed, 13 Aug 2008 19:29:28 +0000 http://smallnotebook.wordpress.com/?p=797#comment-785 This comment is from Rachel's mom. She neglected to say that she put a pea up her nose when she was Lane's age. After sitting in the doctor's waiting room for an hour, he had the nerve to tell me that it was hard to get out because over time, it had swollen up because of the moisture in her nasal passages. This comment is from Rachel’s mom. She neglected to say that she put a pea up her nose when she was Lane’s age. After sitting in the doctor’s waiting room for an hour, he had the nerve to tell me that it was hard to get out because over time, it had swollen up because of the moisture in her nasal passages.

]]> By: Kelli http://smallnotebook.org/2008/08/12/add-grace-to-your-budget/#comment-784 Kelli Wed, 13 Aug 2008 16:23:40 +0000 http://smallnotebook.wordpress.com/?p=797#comment-784 We've gone through a button up the nose experience! I think this is an important concept to apply to budgets, housecleaning, children, dealing with others: GRACE!!! Hello, we're all humans, nothing is going to be perfect... we need to allow grace into our lives and stop beating ourselves (and others) over the head! :) We’ve gone through a button up the nose experience!
I think this is an important concept to apply to budgets, housecleaning, children, dealing with others: GRACE!!! Hello, we’re all humans, nothing is going to be perfect… we need to allow grace into our lives and stop beating ourselves (and others) over the head! :)

]]> By: Rhonda http://smallnotebook.org/2008/08/12/add-grace-to-your-budget/#comment-783 Rhonda Wed, 13 Aug 2008 03:40:10 +0000 http://smallnotebook.wordpress.com/?p=797#comment-783 My sister put a bean up her nose when we were kids! That was well over 40 years ago. Isn't it great to know some things never change?! LOL!! My sister put a bean up her nose when we were kids! That was well over 40 years ago. Isn’t it great to know some things never change?!

LOL!!

]]> By: smallnotebook http://smallnotebook.org/2008/08/12/add-grace-to-your-budget/#comment-782 smallnotebook Tue, 12 Aug 2008 19:58:58 +0000 http://smallnotebook.wordpress.com/?p=797#comment-782 This can be tricky, because I don't want to encourage people to save less, but at the same time, it's discouraging to have to pull money out of savings each month. Shawn, I know what you mean about home goods. That's hard to budget for because it's different every month and it seems like the money doesn't go very far. Fortunately, it can slow down eventually. I don't shop at home stores nearly so often as I used to since I feel like we have what we need now. The way corporate companies manage properties is that at the beginning of the year, they decide on a total amount they're willing to spend for improvements to their buildings. That's probably a good way for home owners too. Any improvements have to fit within the yearly budget (including accidents or unexpected repairs). This can be tricky, because I don’t want to encourage people to save less, but at the same time, it’s discouraging to have to pull money out of savings each month.

Shawn, I know what you mean about home goods. That’s hard to budget for because it’s different every month and it seems like the money doesn’t go very far. Fortunately, it can slow down eventually. I don’t shop at home stores nearly so often as I used to since I feel like we have what we need now.

The way corporate companies manage properties is that at the beginning of the year, they decide on a total amount they’re willing to spend for improvements to their buildings. That’s probably a good way for home owners too. Any improvements have to fit within the yearly budget (including accidents or unexpected repairs).

]]> By: Shawn http://smallnotebook.org/2008/08/12/add-grace-to-your-budget/#comment-781 Shawn Tue, 12 Aug 2008 18:17:36 +0000 http://smallnotebook.wordpress.com/?p=797#comment-781 I've been thinking a lot about this ... how we always seem to run out of money even after saving some. I put $300 into savings, only to have to take out $50 by the end of the month. I like dedicating a portion to nothing with a purpose and then, if it's leftover, which it will not be, it can go into savings. Nice post! I struggle with how much to spend (like on home goods and improvements) vs. how much to save and where the money should come from when I do spend it. This might be the answer, too. I’ve been thinking a lot about this … how we always seem to run out of money even after saving some. I put $300 into savings, only to have to take out $50 by the end of the month. I like dedicating a portion to nothing with a purpose and then, if it’s leftover, which it will not be, it can go into savings. Nice post!

I struggle with how much to spend (like on home goods and improvements) vs. how much to save and where the money should come from when I do spend it. This might be the answer, too.

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