This summer has been *crazy* expensive for us... I counted back on how many transactions i've had debited in August with our Japanese homestay girl here, and we are already at well over 50 transactions. And that doesn't include the cash we've pulled out. Wow. Many would freak out over that, but we were prepared. I had worked & saved our 'pennies' as I was expecting an expensive summer and therefore, we're still "in the black". My priority was to have a fun summer where I didn't have to worry about spending. This is where "Life, By The Pie" by J.Michael Finkbeiner comes in.
Most of my readers know that i'm all about the "budget", managing your finances, on any income, whether you're single, or have a large family as I do. Whatever your life style, living on what you earn, and not *above* what you earn. By living on what you earn, and only what you earn, you can be truly "free" without debt or without trying to "keep up with the Joneses". Isn't that what we all really want?
Life, By the Pie is a lot more than "just a book".... it's a complete financial system that will take you to setting up a budget to stay on track for the basics in life to reaching those big goals you have pegged with "someday". There is a fabulous website to set up your budget with and easily "plug in" all of your numbers. Before you think to yourself, "i'm not plugging in my numbers on any website!". This website never shares your information and like other financial websites, it is password protected. The website took me a few times to get my numbers in correctly, but once you get the hang of it, you're golden!
Pie is an analogy for your spending and saving... and the slices are your "life". What you choose your slices to be, is totally up to you. The "pies" are divided into certain "slices"...
You choose where & what your priorities are! Obviously your main slices are going to be housing & associated costs, food, clothing, savings, etc... but once you get those numbers worked out, the rest of the pie is yours to dream & reach for goals!
Here are some screenshots from the "Daily Dish" APP...
The book & the website/APP go hand in hand, both work together to help you achieve your goals. Once you've used the APP for a while you may already have figured out that was your usual spending, or you may be in for a big, FAT dose of reality with your spending habits! I know some people always say they have "no money", then it turns out they have no money because they're spending it here & there with no rhyme or reason. It gets 'frittered' away and they have absolutely nothing to show for it. A few bucks in the bank but can't make it till next payday. Not a great way to live overall.
As you read your way through the book you'll hit 7 chapters, then a code to activate your "Pie Account". The 7 chapters are:
- Lost in the Process versus Getting your Slice
- I Believe in Gravity Math - The True cost of Losing Control
- Resistance is Futile
- Slicing the Pie - Content & Consequences
- Traps & Tricks - Don't Drink the Kool-Aid & Ultimate Trick & the Power of Focus *I absolutely loved this chapter!!
- Killer Kool-Aid Kombos
- Let's Start Baking
The author of the book is pretty funny too I have to say... you can tell he's Canadian anyways! ;) I felt as though I was sitting at a coffee shop with him having a cup of coffee chatting away like old friends. The book is an easy read, but helps you to look at your budget in different ways and gives you some tips & tricks for staying within your budget to reach those goals that are truly important for you!!
There are real like stories and examples throughout the book at some areas you may not realized your money is being "leaked". I think most of us probably leak money here or there without really thinking of other options sometimes that would help us save $$ in the long run without "ruining" our current lifestyle. It's all about priorities...