Let’s Talk 2020 Budgets…

Any Dave Ramsey followers? my husband and I took his Financial Peace University class about 3.5 years ago and have since currently paid off over 90k in debt 😱 I’ve recently become a SAHM (stay at home mom) to my almost 2 year old daughter and have really needed to reel in my spending and get a handle on the budget (meaning stop having the amazon truck show up at our house everyday 🙈) now that we are on just 1 income. One tool that helps us immensely is the cash envelope system. It’s certainly not rocket science…. you determine budget amounts for each category and pull that money out in CASH 💰. For me the term ”realistic” was huge because I so easily got discouraged when trying to budget. I tracked expenses in our over spending categories like eating out and amazon/target for months before I found the sweet spot for us. We eat out a LOT…and I say a lot because you guys, we were spending $900-$1,000/month eating out 😱 I’m telling you, ADD IT UP! It will blow your mind.

Check out these gorgeous cash envelopes!

The sweet spot right now for categories for us is as follows:

  • Eating out:$400/month (still a daily challenge, I hate cooking) but aiming for only 2 meals out a week at $50 each
  • Household: $200/month(all the Costco, Target, amazon things
  • Groceries: $360/month (I’m getting good at shopping ads!) we are a family of 3.
  • Gas: $360/month (my husband drives 42 miles to work each way 🤦🏼‍♀️) this is estimated high and I actually just save receipts to track this versus cash because I don’t want to have to go inside with a toddler (moms you get this)

I for one find that I can hold myself much more accountable if I have physical cash versus my debit card. I’ve been busy making budget envelopes for a lot of families in my neighborhood (on my awesome cricut, from the best husband!) and I hope that simply starting the budget conversation can help others who are living in debt. The ONLY reason I am able to stay at home now is because I got on board with my husband‘s desire to get out of debt. We are still on baby step 2 ( Dave Ramsey lingo for paying off debt) but crushed 60k in credit cards so I could quit my job and stay home with my girl.

If you are interested in purchasing a cash envelope set they are custom orders, because every family has different needs visit our Facebook shop today!

The Catch-all Mama Facebook Shop

Do you have a budget plan that works for your family?? Please share it with me below #familybudgets#financialpeaceuniversity#daveramsey#cashenvelopesystem

Learn more about our budget by checking out our


Published by thecatchallmama

Hi There! My name is Samantha Thurber. I am a former elementary teacher turned SAHM managing all of life's imperfections.

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