Cash Only, Please

Before we get this show on the road, I want to make something clear. I don't expect, nor do I recommend, for you to go into debt making your home beautiful. To me, it's not worth it if you have to say "Well, I maxed out my credit card, but my home looks gorgeous!"

Recently, my husband and I revamped our budget and spending routine and now use the "envelope system." Don't worry, this isn't a financing blog, so I'm not going into extreme detail. No matter what budgeting system you use, I recommend creating a "home" envelope. This can be  tangible or online. Each month, stick a little bit of money in this envelope so you can save up for your next project. DON'T start the project until you have the money for it. Patience, my friend. With this economy, I know this is everyone's soapbox at the moment, but it's also just wise spending. Good economy or bad economy, I vow to do projects only when I have the cash to do so.