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Focus: Budgeting, Settings Goals & All In Financial Tools
Our first month in the All In 2 Finances program has been an eye-opener for us. We have learned a wealth of information in just a short amount of time. A few of the tips we learned that stood out are what annual percentage rates mean in a loan, the benefits of using the Credit Union as our personal bank and better tools for financial planning and upkeep. Our coaches also taught us the 20/4/10 rule and how to apply it to financing car loans, so we can make the wisest decisions possible.
While we have many habits we are trying to form, we have already changed many of them due to the wise counsel of our coaches. We have emphasized the importance of spending less on “wants,” and this mindset shift has led to an improvement in how we budget with the 50/30/20 method. Being more open in our communication about finances with each other and with our oldest child is another habit we have tried to build upon because while this program is geared toward us, we believe it is vital to share this knowledge with our children to establish a solid foundation for them to build upon.
The knowledge we have gained and habits we have formed has led to an improvement in the amount we are saving from check to check. Our communication as a couple has also improved, which has increased our ability to target our goal to decrease debt more effectively. We are aiming to establish clear standards and walk through with one another what steps we need to take to achieve them. We are only one month in, but the Broughton family is in it to WIN it!