Question

Hi Everyone!  First time post here.Hi Everyone! First time post here. I've been trying to follow TBM since September and it's a struggle. I feel like my situation is somewhat unique and challenging. I'm a single mom to a 17 yr old and my elderly parents both live with me. I am the keeper of all the fiances as both parents live off of social security. It can be tricky trying to keep all of us on task with not using debit cards for purchases and tracking spending. I want so much to get on track and pay off all of our debts, but it seems rather overwhelming at times Anyone else in this situation? I'd love to here how you keep up with everything? Thanks!  

Answer 1

I started with 3 envelopes: food, gas, misc. Everything else you can add later when you know what youre doing. I only had one sinking fund at the beginning and it was christmas. Just remember- it's a progress.