Someone asked me just this week to show them how to budget their money. I met with them for lunch and took my purple notebook which dates from February of 1990 until September of 1994. This blog is the story of my purple notebook. I keep it around now just to remind me of how hard our life was then and how far we have come now. The notebook has become an ebenezer moment of time in my life.


In the next few paragraphs I will explain to you how the purple notebook worked. Many people have heard of the cash in the envelope budget method. Basically, you total up all of your bills and make a separate envelope for each item and then you put the cash in the envelope to cover that bill when it comes due. I know of several people that use this method but for me I felt like that method would be unsafe to have that much cash laying around in our home.
Instead I came up with the notebook method. I started out by adding up all sources of income for us and using that as my beginning total. in February of 1990 all of our monthly income added up to 2,098.62. I would then take all of our bills and make a page for each bill. When I started out some of my bills were exactly the same each month but some of them were estimates and I just had to guess at them. Anything that was left over became my miscellaneous page. The way the system worked was that you could never spend over 2098.62 per month but if you ended up short on one page then you could borrow from another category as long as that page had an excess. Every night Mark, myself, and our 4 kids had to report to me any and all amounts that they had spent on that day. It was a lot and it took a lot of my time! After a few months had passed the budget became easier and we all adjusted and was aware of what it took for us as a family to survive.

As you can see above it didn’t take me long to realize that I was wasting paper in my notebook and I put the known amounts all on one page to save time. Above on our van payment you can see that I paid an extension fee that month as we were so broke that I was trying to free up some extra cash. Also, above you can see that I ended up having an overestimate for Pioneer Credit and for lunch money that month and those small amounts were moved over to the miscellaneous page which was our recreation and fun page and any extras that might pop up. Also, above you will notice on JC Penney that I did not pay the credit card balance but only paid 15.00 which got me into some debt trouble later with that and other credit cards that I owned. Not paying in full on a credit card is not a good financial move.
Before I go on and show you the last page in my notebook I want to tell you some things about our life at this period of time. Our 4 kids could have eaten free or reduced lunches all of their entire school years but we did not want to embarrass them in any way. Also, there was a day in our everyday life that we ran completely out of bars of soap and no money to buy even a bar of soap. I was very distraught and cried and prayed all morning that day. When the mailman came that same day he put an advertisement bar of soap in our mailbox. The brand was Irish Spring and I will remember that soap and my rejoicing as long as I live! It was one of the happiest days of my life because I knew that God cared about me and my little family!
I used to bake and decorate birthday cakes for people during this time, I sewed Cabbage Patch doll clothes and sold at the Needle Nook on the square in Livingston. Me and our twins bid on the cleaning job at our church and got paid 25.00 per week to clean the church. Danny and Mark bid on the mowing at our church and I think got 40.00 per week to mow. Danny worked at DQ in Livingston and then on to Save-a-lot, Rachel and Melinda started out babysitting and then on to the donut shop on church street and later to a nursing home in Algood. Matt worked at DQ and later McDonald’s. Our kids pulled the load just like we did and they knew all about our problems.
On the ball bus after games when Rachel and Melinda played on the high school team, Coach Looper would always stop after away games at some dairy bar or snack shop. Rachel and Melinda and two other girls would always stay on the bus and say that they weren’t hungry. Coach Looper eventually figured out what was going on and one night said to the four of them, ” you girls don’t have any money, do you?”.
I could go on and on but I will stop here. You all get the gist of it all.

Above is the last page recorded in my notebook( September 1994). There were hard times after that but not as severe. I have never forgotten those days of the purple notebook and it has affected me continually the rest of my days. I have used these hard years in my life to notice and help people in my path each and every time the knowledge becomes known to me. Some people think I am a little nuts I guess but they haven’t lived through what I have lived through. God has been so faithful to me all of my life and I just want to share this to let you know if you are in dire straits that He can help you too. Share your gifts, your knowledge and your kindness! Don’t look back and say, “We made it” and then begin to hoard up everything you get from then on out! God doesn’t expect that from us.

























