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Dave Ramsey Cash Envelopes

fpu

If you haven’t already read Dave Ramsey’s Complete Guide to Money, check it out! The hardcover book is discounted, and the  Kindle version for only $9.99!

Dave Ramsey didn’t invent these fancy envelopes, of course. The ones we got from him were boring. I got the envelope template here and the idea for a cover here .

I made a lot of changes in the cover, but the envelopes are pretty much as written in the directions. I didn’t have two-sided scrapbooking paper, so I cut 12″ sheets of 1-sided paper down to 8 1/2″ x 11″ and then printed digital scrapbooking sheets (try pinterest for freebies!) on the back side.

First, I made a practice envelope.

When I was sure I had it right, I made 8 of them and then bound them as shown in the second link, with grosgrain ribbon in the stitching. I made a cardboard cover and covered the outside of that with scrapbook paper. The flap is pink because the 12″ paper was really too small to cover the cardboard piece well. (the cardboard piece was 12″ to start with).

I should have added a strip of decorative paper down the center of the inside spine before I glued the ribbons down. The bare cardboard is visible when the book is open.

I faced it with another piece of paper, to over the ribbons. I can’t bring the paper all the way into the center to cover the exposed cardboard because of the crease. It won’t stay there.

The back

stick-on velcro closure


Oh – I need to put labels on the flaps of each envelope! It’s too late now… I think I will do that tomorrow! 🙂

If you decide to make this, I recommend cutting the envelopes from the pdf version of the file. THEN, do the sewing before you glue the envelopes into “envelopes”. It’s important! Take my word for it.

GloryQuilts!

After a 4-year detour into a “real job”, I am returning to full-time teaching and quiltmaking. I learned a lot during that time, and the income was a blessing, but I now have the opportunity to do what I always dreamed of  – develop this part of my life. I am listing more on etsy and might list on ebay again, for a while, to get the additional exposure, but I want to teach and do bridal quilting bees and ministry workshops. I will need to learn to market and have the self-discipline to work at home! I am grateful for this opportunity. God is good.

It will mean significant changes in our life. We never did become lavish spenders, but I spent  without much concern about it. It will be good for me to have to think about these things and be grateful for every provision of God.

 

I have mentioned Crystal Paine several times, because her blog was my first introduction to effective couponing. So I am pleased to recommend her new book,

The Money Saving Mom’s Budget: Slash Your Spending, Pay Down Your Debt, Streamline Your Life, and Save Thousands a Year

It’s available in Kindle or Softcover formats, but it would be most helpful in print,  because it has useful worksheets in it.

 

Although it’s not a comprehensive book like the one above,  you can also read her grocery shopping series on her blog:
31 Days to a Better Grocery Budget

 

Or “like” her Facebook page for more helpful advice.

She’s smart.

 

fpu

If you haven’t already read Dave Ramsey’s Complete Guide to Money, check it out! The hardcover book is discounted, and the Kindle version for only $9.99!

Dave Ramsey didn’t invent these fancy envelopes, of course. The ones we got from him were boring. I got the envelope template here and the idea for a cover here .

I made a lot of changes in the cover, but the envelopes are pretty much as written in the directions. I didn’t have two-sided scrapbooking paper, so I cut 12″ sheets of 1-sided paper down to 8 1/2″ x 11″ and then printed digital scrapbooking sheets (try pinterest for freebies!) on the back side.

First, I made a practice envelope.

When I was sure I had it right, I made 8 of them and then bound them as shown in the second link, with grosgrain ribbon in the stitching. I made a cardboard cover and covered the outside of that with scrapbook paper. The flap is pink because the 12″ paper was really too small to cover the cardboard piece well. (the cardboard piece was 12″ to start with).

I should have added a strip of decorative paper down the center of the inside spine before I glued the ribbons down. The bare cardboard is visible when the book is open.

I faced it with another piece of paper, to over the ribbons. I can’t bring the paper all the way into the center to cover the exposed cardboard because of the crease. It won’t stay there.

The back

stick-on velcro closure


Oh – I need to put labels on the flaps of each envelope! It’s too late now… I think I will do that tomorrow! 🙂

If you decide to make this, I recommend cutting the envelopes from the pdf version of the file. THEN, do the sewing before you glue the envelopes into “envelopes”. It’s important! Take my word for it.

Speedy Dinner

Chicken Fajita Soup

I can make this from scratch, but to tell you the truth, it’s just as good from cans.

The fresh ingredients:

Chicken breast – cut bite-sized pieces and cook in a pan with just a little butter, until they are done.
Cilantro

The convenience foods:

Canned diced tomatoes with peppers
Canned black beans
Canned or frozen corn
Canned chicken broth
Diced garlic (I use the stuff in jars)
Cumin, chili powder or a pre-made Mexican spice mix
Salsa

Topping:

Tortilla Chips

Dump it all in a pot. Use scissors to mince up the cilantro.  I use a lot of cilantro. I usually put it in a crockpot so I can serve it when it’s convenient, but it can be made at the last minute if necessary.

Serve the chips separately so each person can crumble them into the soup like crackers. 🙂
You don’t need to add salsa unless you want to. I like it spicy.

Priceless.

Do you have a bride-to-bee in your life? Create an heirloom quilt and a precious memory at the same time, with a GloryQuilts Women of the Family Bridal Bee.

jill

A new generation of women is reaching adulthood. These women value family history and relationships, and they want to establish extended family ties that will last beyond their own lifetime. Separated by busy lives and distance, many of us seldom have the opportunity to really visit with our mothers, sisters, aunts, cousins, grandmothers, nieces, and old friends. A quilting bee provides this opportunity. Conversation is easy when the hands are busy. There will be time for leisurely reminiscence, catching up on current events, advice on marriage and motherhood and life in general, laughter and maybe a few tears. New brides and new babies are wonderful reasons for women to come together.

Stocking for Two

After my last post, I grew somewhat smug about my ability to create real meals in spite of our hectic schedule.  When we got news that we were going to have guests, I assumed that it would be easy. Unfortunately, it was a work-all-day day. I was scheduled to work from 7-8, 10-1, and 3-9. With those brief breaks, it should have been simple to whip up a meal and leave it in the crockpot. I didn’t need anything fancy, so after consultation with my daughter-in-law, I decided that sloppy joes and store-bought potato salad (perhaps with a lettuce-y salad, too), would be ideal.  Between clients #1 and #2, I ran to the store and bought potato salad and ground beef, as well as some chicken breasts and pork chops. I dumped the entire package of ground beef into a pan, cut up some onions and cooked it all up. Drained it. Dumped it in the crockpot. Chili was starting to sound good, though, especially after I realized that I’d forgotten to buy buns. Yep, chili was a much better choice all around. I could make some 5-minute artisan bread to go with it. Normally, I would cook up dry beans, but I didn’t have time for that. I dug through the pantry and found several cans of black beans. No red beans or kidney beans. Well, it looked like I would have to cook some up. If I boiled them hard for a little while, they would finish cooking in the crockpot. But there were no kidney beans and only a handful of red beans. Okay. We like black beans.  I hadn’t yet opened the cans of beans when I realized that I had no tomato sauce. None. I had several cans of diced tomatoes, which would be good to add to tomato sauce for chili, but they really can’t replace ALL of the sauce.  Back to Plan A. I could pick up buns on the way home from client #2. I rummaged through the pantry and refrigerator and found one partial bottle of BBQ sauce. Not enough for sloppy joes.  I could have made more, if only I had some tomato sauce, of course.

It looks like my cupboards are bare of all those “ordinary” things I always took for granted.  The kind of things I picked up and put in the grocery cart from habit. Things I bought in the largest package available. Lately, I’ve just been shopping for things on my immediate horizon.  That sounds sensible, and it goes along with the good habit of using a monthly meal plan, but really… there are some things that I “should” keep on hand.  Many years ago, I used a master grocery list.  That helped me ensure that I had those basics in the cupboard.  Now, even though I rarely use it, I run out of ketchup! On the other hand, I have at least 8 cans of diced tomatoes and even more of refried beans. I keep buying those things because I can’t remember how much I have at home.

On a more important note, I’m nearly out of coffee. You would think that I could remember that. It’s a vital part of my day, but apparently not while I am shopping.

It’s a good time to reinstate that grocery list, ideally in conjunction with the menu planning.  Cooking for two is very different from cooking for a family, but it still requires organized lists! Starting one now: coffee, buns, BBQ sauce, tomato sauce, ketchup…