When I say that I am surrounded by an amazing tribe, I am not kidding! Those around me continue to give and help in ways that I never imagine. My sister is one of those people. She is always sharing new ideas, excited to help, and more than willing to sit and brainstorm with me. On Christmas alone she not only designed my new fabulous logo, but she then went and made me cards, a mug, stickers, blogging tools, and even my new favorite koozie! I am so grateful for her encouragement and excitement.
Last year, she asked my mom and I to complete a weekly savings envelope challenge with her. A lot of us have seen this idea- write the numbers 1- 52 on an envelope and every week, place a selected amount of money inside the envelope and cross that number off. One week you might only place in $1.00 and the next may be $48.00. You can choose to go in ascending or descending order, or skip around with whatever works within your budget. The total savings in the envelope after one year (52 weeks)…… $1,378!
Well, that’s what would have been in my envelope had I stuck with it! However, our financial situation obviously changed numerous times last year as jobs shifted and we moved into the motorhome. So, I was quick to fall off track. (Giving myself some grace over guilt right here!) Then, once off track for so long, there was little chance of catching up. I haven’t even really thought about it. This morning, my sister shared with me that she completed the challenge for 2016. The coolest part? Her envelope completely paid for Christmas with enough left over to place a significant amount in her savings!
As much as everyone loves to Christmas shop and buy presents for our friends and family, it is a stressful time to watch your bank account practically hemorrhage money as Christmas gets closer. And even harder to stick to a budget once the fun of shopping sets in! I would love to have a Christmas that I budgeted for the year through. It would make shopping fun and exciting again. Jason can sometimes (okay, almost all the time) get frustrated with me at Christmas because my way of making the budget feasible is to cut back the portion where he shops for me. That way there is more money for everyone else. I have fun picking things out I know he’d enjoy, so by cutting out presents for myself, I am taking away an element of fun for him as well. And I totally understand his frustration.
And so, here is my first official New Year’s Resolution and Motorhome Momma Challenge!
I have adjusted the standard envelope deposit system to work for our budget (Dave Ramsey’s Cash System). I would rather make the challenge realistic so I stay on track, rather than stretching myself so thin that I lose momentum and motivation. I have altered the weeks so I will complete the challenge by the end of November so Christmas shopping can begin.
In order to keep myself accountable and have a little fun in the process, I want to extend the challenge to everyone else! Even if you don’t feel you need to financially prepare for Christmas, maybe there is another goal you’d like to reach? Something to save for? Or a worthy cause that is deserving of a charitable donation?
Ill be posting every now and then with reminders to deposit as well as helpful tips. I have made a new page (accessible through the navigation bar) to follow along. There, you can find a contact form to submit your challenge goals, accountability, tips, questions, and ideas! If you’d like to join with me, just follow along and share your success and hurdles along the way! There is strength and accountability in numbers.