When we graduated college, it was supposed to be this fantastic and amazing new beginning. We thought we would finally be able to afford all the luxuries we’d been dreaming of the last 6 years while we were grinding away at school and eating ramen.
Sadly, that wasn’t our reality. Derek was eight months into his first job out of college. We had two kids, and Merilee was holding down the fort as a stay-at-home mom while Derek was bringing home the paychecks.
They were good paychecks too, but we were sending $1,200 a month of our wonderful, hard-earned dollars to minimum payments on student loans and a small car loan. It didn’t really feel like much of an upgrade from college at all.
Since then, we’ve totally overhauled our finances. Now, we budget at the beginning of the month and balance it throughout, instead of just looking back at the end of the month and seeing what we spent our money on.
We have savings. We own several small businesses. We own real estate. We invest, and we’re building up passive income. We are both financially literate and confident.
The best part is, we aren’t special at all. We are an average family, just like you. We don’t have college degrees in accounting or finance. There is no magic pill. It’s a trifecta of knowledge, tools, and then putting in the work.
Merilee started Easy Budget to take you along this journey with her, and to provide you with the tools and motivation you need to transform your finances too. A great place to start is this article “The Pre Debt-Free Journey Checklist” Or, if your biggest challenge is how to budget, start with how we budget digitally, with a spreadsheet to go with it. We’ll walk you through all the steps and be there to answer any questions you might have along the way!