Paycheck Budget System
Are you ready to STOP living paycheck-to-paycheck?
GET THE PAYCHECK BUDGET SYSTEM THAT WILL CHANGE YOUR MONEY LIFE.
FIND THE EASY ANSWERS FOR BUDGETING SUCCESS!
Just a few short years ago, my husband was the only income for our family. He made $11 an hour – $17,000 a year – working a very tough and physically demanding job. We struggled.
I had to make the decision more than once to either live off of beans and rice or pay the electric bill.
Our thermostat was kept at 60 degrees all winter just to keep our bills low.
We ate beans and rice because we had nothing else to eat in the house.
I played “debit card roulette” – where I’d go to pay for something and never know if I was going to get my card declined or not.
We bought new clothes as infrequently as possible. And when we did need to buy something, we could only afford to shop at the Goodwill.
I always found myself with too much month at the end of my money.
Too many bills that were stacking up in front of my empty bank account.
Scared to answer my phone, fearing that it might be a debt collector and that I wouldn’t have the money to pay them.
The stress, worry and fear all grew and grew.
Until one day when I hit my lowest low.
I was 6 months pregnant with my second child, shopping at the Goodwill with my 2 ½-year-old. I was looking for baby clothes for this new little one. Nothing fancy, just some onesies and footie PJs to keep him warm in the cold house. I went to go pay for the clothes which totaled $19.72.
I remember it so vividly – holding my son’s hand at the checkout counter, with the little one in my belly kicking. I was so pleased that I kept the total under $20 for 10 cute pieces.
And then the man came back – my card got declined.
I quietly begged him to try the card again – swearing that I knew there was money in the account, that it much have been a card error.
My face went white. I felt all of the warmth leave my body.
It took every muscle in my body to keep from sobbing right there.
Everything that I had in me went to stop the tears from pouring out of my eyes as the reality set in – I was pregnant, I was a mother, I was supposed to be a responsible adult… and I had no money.
Even in the Goodwill, I couldn’t buy anything.
I was too broke even for a thrift store.
I left the store with my son, buckled him into his car seat without a word, got into my seat, and sobbed.
I sat there in the back corner of the Goodwill parking lot and cried and cried. I cried for the embarrassment.
I cried for the shame.
I cried because I couldn’t handle my own money.
At that moment, that very scared and hurt moment, I knew that I needed to change.
I knew that I didn’t want to live like that forever. I didn’t want to have the fear and worry of never knowing if my money was going to last the month. It was then that I decided to take control of my money.
I taught myself how to budget, how to save money, how to control my finances instead of letting them control me. I ended our paycheck-to-paycheck cycle. And since then, we bought a house, 2 cars, and built a full, happy life on that small income of $17,000 a year.
Today I’m here to show you how you can do the same thing for yourself and your family!
SO WHY THE PAYCHECK BUDGET?
Because you can’t find a single tool out there that can provide the same kind of tracking, help, and real use that you will get with the Paycheck Budget.
There is nothing out there that can help you break the paycheck-to-paycheck cycle like this.
Which is why it’s so important to know all of the different facets of the ins and outs of budgeting each paycheck. It’s so much more than just telling you not to spend money (that's never helped anyone, anyway)!
In this guide, you will learn how to maximize your money for each paycheck and really start to grow your savings as well as watch your debt shrink and your stresses about money start to disappear.
(Which also means that you're going to be able to live a fuller life, too!)
Even if you're brand new to budgeting...
The Paycheck Budget is made to help you get started on the right foot so that you aren't spinning your wheels for weeks or months or even years!
It's built so that you can start growing your savings and managing every penny quickly and start becoming an expert budgeter FAST!
If you're an established budgeter looking for a better way to track your money...
The Paycheck Budget is going to help you find a strategy that actually works to help you get out of that slump and to finally take control of your budget!
This is a strategy that built for easy use. It is also (and I think, more importantly) a strategy that knows that your time is your most valuable asset!
This will help you work smarter and not harder to continue to work toward controlling your money without spending hours and hours on flipping through receipts!
FIND SOLUTIONS FOR YOUR BIGGEST ISSUES WITH YOUR MONEY.
Hi I'm Caroline! Former teen mom turned 6-figure entrepreneur and blogger. My blog has reached millions of women who are determined to make money work for them – both in life and in business. My passion is to equip women with the tools they need to succeed in the business world without feeling slimy or gross in the process. My life's motto is: the world is a better place when women have more money. And I want to make that the truth for you in your life AND in your blog and business, too. Let's make it happen! :)