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Digging in Empty Pockets

 (Attachments below)   


No matter what your profession we can all be, and probably have been, the subject of financially empty pockets. Just because one makes more money does not mean they are immune to financial poverty. As the term goes, “The more we make, the more we spend.”    

Let’s face it friends, we are a “want it now, pay for it later” generation giving our children what we felt we did not have.   

our savings is small; our bills pile up and our stress related medical issues keep our physicians in business. (Not to mention divorce lawyers)…  the reason whyOf course, with technology and the way it continually changes, the prices on these high ticket items continues to soar while we continue to buy our kids the latest greatest gadgets that flood the market; quite possibly enjoying them ourselves. Seldom are these acts of spending meticulously planned out and saved for. Hence,  

Enough is enough…   

A year ago I said exactly that. My assets were tied up in retirement funds, stocks and several parcels of land. So when my company told me I was being laid off work, I realized how tied up my assets were and felt the stress of survival without a paycheck. (Thank God the layoff never went through) Empty pockets led me to a new place in my life. A place where I determined “enough is enough” and so my research started.   

I wanted to find a way to have an emergency fund and six months worth of living expenses in an attainable savings account. So I read books and followed some of my favorite financial guru’s through their websites and radio shows. I felt determined.   

Then, I sat down and put together a user-friendly lifestyle sheet. Before I shared this sheet with anyone I started using it. My emergency fund grew, my debt disappeared (not by itself 🙂 ) and my six months of living expense savings has almost reached its mark.  I’ve made changes and adjustments that my family now embraces. My boys have stopped asking for everything they see and instead ask “Is it in the budget, mom.”    

It’s up to us to teach our children how to handle money, how to save and how to live a comfortable life in with financial boundaries. I feel blessed and wanted to share this with you. I hope you find the same comfort in using the lifestyle sheet that has changed my life.   

Please open instruction sheet first and then the budget sheet. You can use it, save it but you cannot make changes to it. Click on the words below  

Lifestyle Instructions  

Lifestyle budget sheet   














May 26, 2010 Posted by | Uncategorized | , , , , , , | Leave a comment