Setting a household budget.

I spent the first few years of my adult life expecting my husband to manage all things financial.  Even though I was working and bringing in a regular paycheck, those responsibilities seemed (in my mind) to naturally fall to him.  It was a huge, and unfair burden I placed on him to carry alone. 

Several years ago I became frustrated with not understanding where all of our money was going.  I made the decision that I was going to step-up and get control of our household finances.

Looking back, I can easily say this is one of the greatest things I do for our family, farm and future. I now know exactly where our family spending goes and know that we are on track for our personal goals.  

Below I am sharing a tool I've created to use for our budget.  I do this twice a month, with each of my paychecks, and use this to manage our family living. (This is NOT a tool we use to manage farm income and expenses.)  

This isn't a fancy tool.  It's very basic.  For me, it's perfect.  For others, it may not work.  But in the case it has some value to someone, I've decided to share. 

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Monthly Budget Workbook