Life Style

What I Use to Budget & Financially Plan

Hello and welcome to a VERY different post. I normally don’t talk about this topic, but I thought it would be fun to show what budgeting tools work for me personally. That is not to say I am a money or budgeting professional or saying these things will work for you. These are just a combination of things that have worked for me and my lifestyle. If you want to learn about budgeting and the like, talk to a professional!

Budget Book

Legend Budget Planner is the budget book that I have been using for about a year and a half to two years at this point. What I really like about this planner, as they call it, is the fact that everything is already set up and you have plenty of room to add your bills and other expenses without wasting too many pages. It also was the first budgeting thing I activity bought for myself and it was great at helping me understand budgeting and what should go into it.

Cash Envelopes

picture of cash envelopes

Another things that has worked for me is using cash and actually seeing the money leave my pocket and wallet. I used a card for most things, but I realized I never really kept track of how much I was spending. This really puts it into perspective for me personally. This is kinda based off of Dave Ramsey’s Envelope System, but I will be honest I never really did research into this system or this person. I did however link an article about it from debt.org for you to read more on it. I mainly just say people on youtube doing it and it seemed like it worked for them so I gave it a shot so I can’t say I follow his method per se.

Pictured above you see the items that I budget, stash is just money I want to save, hobbies is for books and yarn arts or anything hobby wise I want to get, gas is for my car, groceries is for delicious foods, flow is money that I can move into any category depending on need, and essentials is things I need like shampoo, deodorant, or cleaning products. This set was made by The Average Budget. I also have used items from THandCoDesigns and MsCaliBudget and loved them.

So, these are the things that work for me personally at this point in time. It might change as my needs change, but we shall see. Do you have any budgeting tools or methods you use?

Sign Off 2020
Thanks for Reading! Sincerely, Luna

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Life Style

My Reading Routine 2021

Hello and welcome to post where I talk about what my reading looks like these days. A long time ago in 2017 I made a post called My Reading Routine. I feel like a lot has changed in the roughly 4 years since I have written that post. So, here is a little update!

When

This one actually has not changed too much. In my original post I mentioned that I mainly read on the weekends. This is still true, but that is because that is when I do my chores and listen to audiobooks. But, it is also when I have time to take a breath and set aside some me time. I have also started reading more at night, but it might not be a book. It could be articles, blog posts, or anything else. I just read what I feel like reading while I wind down for the day. I just need to make sure it isn’t too engaging because I will be up all night reading.

Where

In my original post I talked about how I like to read outside, which I still do. Nothing better than reading on a hammock when there is a light breeze in the air. I don’t so much go out in the summer time anymore though. I save outside reading for when it is cooler so I am not melting into a puddle.

Now, as far as reading inside I still read mainly in my room laying in bed. Like I mentioned earlier I have tried to make reading any form of media before bed. I don’t use my arm chair too much these days because my plant collection kind of gets in the way, but I forgive them because they are majestic and bring some beauty to my room. Since shifting away from using my chair, I now read quite often at my desk. I am not sure if it is because I have been working from home for so long or what, but I have found this space to break away from others and just focus. As for audiobooks, I listen to them while doing chores around the house so any and all rooms get utilized.

What I Need

When I first wrote this post I talked about wearing comfortable clothing, listening to classical or instrumental music, lighting a candle, and a comfortable blanket. A little has changed. I still love being comfortable when reading, especially if I plan on reading for quite some time. As far as background noise I have really taken to ambient ASMR, especially fire places and thunder storms. I don’t bother with candles in the same way that I did. I will light them from time to time, but it is few and far between. But, the thing I need the most and I can’t read without is a good book. Everything else I can do without.

Sign Off 2020
Thanks for Reading! Sincerely, Luna

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