But let's be honest. All the best spending tips and amazing coupons in the world won't help our budget if we are not responsible.
The bible states all we have is given on loan by God. Are we using our finances in the best possible way? Are we taking the steps to protect our family's well-being and future? And most important how can we be more 'responsible' for our income?
My personal tip for the week is actually very simple. Tracking down every expense. Yes, getting a notebook and recording every single purchase/check/auto-pay. The idea for this comes from a man who started out pretty dang poor named John D. Rockefeller. Starting at a very young age, Rockefeller carried a little notebook with him everywhere he went and recorded every single purchase, no matter how small or large. He called it "Ledger A".
So my tip for everyone today is create your own "Ledger A". It can be on digital on your phone or on paper. Just make sure it is easy to take everywhere with you and permanent (so no, writing on your hand is not a good idea).
The beauty of "Ledger A" is discovered after a month or so. You can add up those little expenses and see just how little they really are (Starbucks fans--that includes you). "Ledger A" can also help create a more accurate budget for your family too.
Oh and that poor little boy John who had a "Ledger A" grew up to be one of the richest men in history. Maybe "Ledger A" can help you reach your financial dreams too!
Now it's your turn. What keeps you responsible? Please leave a comment and a link to your blog if you plan to post on it. I am embarrassed to admit I cannot figure out Mister Linky without getting one of the plans and I would rather not do that. If anyone has a minute to help me on this, I'd appreciate ;)