Categories
Domestic Church Finances Ink Slingers Kathleen Marriage Vocations

Holy Budgeting: Practicing Detachment and Stewardship in a World Filled with Money

Holy Budgeting_ Practicing Detachment and Stewardship in a World Filled with MoneyMoney, more specifically budgeting, is one of those topics that everyone urges you to sort out before you get married. Make sure you are both on the same page! It can put a big stress on the marriage if you are not! It is also one of those topics (see also: child rearing) that I thought I totally had figured out. Or at least I did before I got married.

If you asked me, I would say I am financially conservative. I like having a savings, I think it is important to plan for a rainy day, I do not gamble, and I do not think that spending an exorbitant amount of money on frivolous things is a good idea. My husband feels exactly the same way.

The problem is we differ on what exactly “exorbitant” and “frivolous” mean. So if you put us in a Sephora, we will have very different reactions to a new release of an Anastasia Beverly Hills eyeshadow palette. I will be super excited because her shadows are super blendable and I love the way they bring out the blue in my eyes and it is only $42! My husband will question spending $42 on anything to put on your eyelids, especially when it looks exactly the same as the other ten palettes I have at home. (He is wrong, all palettes are as unique as children. But point noted.)

After five years of marriage to an actually fiscally conservative man, I have to admit that I am much less conservative than I thought, and much less conservative than my husband. I love buying things. I buy things when I am happy. I buy things when I am stressed. I buy things when I am sad. I just really enjoy buying things. That is not inherently wrong- it is fine to take pride in ourselves, our appearance, our home, etc. But it should never come at the expense of putting things above the true goals of our life and marriage- to imitate Christ and gain everlasting life with Him in heaven.

So obviously, something in my attitude had to change. I had to reevaluate my approach to money, and budgeting, and how I viewed wealth in general. Wealth is not bad. The gospels speak often of feasting, of wine in abundance, and of expensive oils being literally poured out for the betterment and the enjoyment of Christ and his friends. God made everything, and enjoying the good things of His creation is not a bad thing. It is a good, worthy thing to enjoy the goodness of creation. Christ did it. We should not hesitate to do it either.

The problem comes in when we elevate these mere things to the level of attachment. To remain complete disciples of Christ while not eschewing the world and its goods (which those of us who are married are certainly not called to do), we must practice detachment, or an attitude of financial stewardship. All that we have is God’s. Our homes, our things, our health, our husbands, even our children. They are all God’s. We have been given the opportunity to enjoy and take care of them for Him while we are here on earth. That is wonderful! We should take pride in the beautiful things that God has given us, and care for them.

But we must be frugal. I recently attended a talk with Milwaukee area accountant Maria Johnston, a faithful Catholic wife and mother who knows her way around a spreadsheet. She urged frugality in all things, but to be careful to understand that frugality means different things for people in different situations. Having a lovely home can be good- you can welcome people and bring people together in a way that a slovenly home that is uncared for does not. This does not mean you need a seven-bedroom mansion. Taking care of your things- your car, your clothing, your electronics, with great consideration is frugal. This does not mean that you need to have the newest or most expensive versions of everything- sometimes the opposite, in fact. Even carefully considering a date night with your husband can be a good use of your income since taking time together can strengthen your marriage. This does not mean that you need to spend $300 on dinner and a babysitter twice a month if it is not in your budget. (It certainly is not in mine.) All of this makes sense when you consider that our lives are entirely stewardship. All that we have is God’s, and we are merely caretakers of His goodness.

STEPS FOR IMPLEMENTING

Johnston had several tips for implementing this stewardship and detachment mentality to our lives and budgets.

 

  • Give first!

 

Catholics get a bad tithing rap sometimes. It is urged that Catholics give a portion of their income to the Church and charities. This is a suggestion that fits in perfectly with a stewardship mentality. It is important that we do this this first on our budgeting, not at the end. Our first  priority needs to be the care of Christ’s Church and his poor here on earth, even before our own needs.

 

  • Pray about budgeting. All the time.

 

This suggestion really helped me. When I feel myself wanting to stray from my budget, urge myself to pray about it. Do I need to spend $20 on lunch for the kids because I am running late and cannot get it together to pack one? Nope. Get out the sandwiches. Does the home decor purchase I am contemplating really help accent my home and therefore help my hospitality? Or is it just a throw pillow? Are those eyeshadow palettes all really the same? Sometimes, yeah. This is not to say you need to talk yourself out of buying everything, certainly not. But stepping back and praying about your budget, your purchases, and how you and your spouse view them can foster a detachment from things and a stewardship mentality.

 

  • Acknowledge that you will not be perfect.

 

Budgets are goals, and our entire faith life should be striving towards greater holiness.

We are never done, we are never perfect. We can always do better, appreciate more, and give more. The important part is to not be discouraged when we fail, but to pray and try again.

 

  • Understand that your detachment and frugality will not look like your neighbor’s.

 

A homeschooling family with eight children and medical bills whose sole breadwinner is either starting a new position or in a lower economic bracket will obviously not have the same budget as a newly married couple with two established incomes. Both families can be faithful stewards of their goods, however. But they must understand that their realities will look completely different.

Spending money is not evil. Having nice things is not evil. Ignoring the poor, the Church, and elevating mere things to a level that they are not accorded is evil. We are all given different gifts, but we are ultimately all stewards of the King.

 

Categories
Ink Slingers Stephanie

Life on a Budget

 

Most families know what it’s like to live on a financial budget. We have always had to live within our means, and that is especially important now as a family of five with one income. It takes discipline and practice. There is a set amount of money coming in and it should be more than the money going out. 

Ten years ago, as a new bride at the age of 22, I became very ill from mononucleosis. A year later, almost to the day, I relapsed. About three years after that I had it for the third time. My earliest years of marriage and parenthood were spent struggling to find balance and health. We eventually decided that I would stay home with our children, and it ultimately led us to choose to homeschool. I am now embracing this lifestyle with enthusiasm, as it offers peace and better health to us all. 

This lifestyle, while suitable for us, still requires of me the same discipline and planning that our finances demand. I have an energy budget. My energy and stamina are finite. I have four people and a home to attend to each day, and only so much of myself to give to them. My body gives me signs when I am close to reaching my limit. If I overspend, my family and I end up paying for it later. After years of testing the boundaries of what my body will allow, I now have a good feel for when rest ought to be a top priority. The tug of war between the conservation and expenditure of my energy is as routine for me as adhering to our financial budget. The idea is to spend less, save more.

We are in the middle of our first year of homeschooling, which means we’ve barely crossed the starting line. During the Christmas break, I reflected on the highs and lows of our first semester in order to make necessary improvements. And this led to a rather startling realization about the “routine” I had been so proud of during our inaugural year. I have been budgeting another one of our family’s greatest assets: joy. 

School objectives, nap schedules, in-home therapy sessions, meal prep, laundry, appointments, dishes, diapers, discipline, work schedules, field trips, and everything else in between can put my energy budget on overdrive. I act so carefully to retain the stamina I have for fear of losing too much energy. My day gets reduced to the necessities, with room for little else. This means less room for silly voices, knock-knock jokes, dancing in the kitchen, acting like a robot, and the like. I know the way to my kids’ hearts, and the way is usually simple and silly. I end up missing out on these opportunities to connect with them.

There are certainly times when rest must rule. But always living in fear of what I might lose deprives me and my family of the simple joys that we seek. And what exactly was I afraid of? If I indulge in too much silliness, every last shred of order and discipline will disappear forever? Ten minutes of playing in our spoon and Tupperware band will cancel out my previous night’s sleep? Fear had become a big motivator for me—a red flag that something was not right. So, I brought my petition very simply to God in prayer: Lord, I am tired. I tend to opt out of simple and joyful moments in my daily routine out of fear of becoming more exhausted. Help me to cooperate with Your grace so that I may recognize the life-giving moments presented each day. 

The very act of taking this to prayer reminded me of God the Father’s unconditional love for us. I had no doubt that He was waiting to hear the needs of my heart because He is ever-willing to give. There is no fear in His perfect love. Even our sinfulness and our brokenness do not deter Him from remaining present and delighting in love for His children. For my children to learn about God the Father’s love, they will have to first witness that kind of love from us.

The Holy Spirit has led me to two simple ways to stop budgeting my joy.

First, I ask the Lord each morning for an openness to the graces of the day. Sometimes it takes a few extra moments to feel sincere in this request, but sincerity is a must. Second, I mentally or physically note one particular action I will initiate or consent to during the day: if a very silly request is made by one of the kids, I will make it a priority that very moment; I will randomly dance to a fun song that plays while we’re in the kitchen; I will use a funny voice when responding to a question. It seemed ridiculous to me at first that I have to be so intentional about joy at home. But, we’ve seen the fruits of this already. I have fussed less, said “yes” more, and have even had more confidence when my answer is “no”. 

Our financial budget is as fixed as ever but my joy budget is slowly disappearing. I thought I could not afford to give of myself in the little moments in order to save myself for “bigger” things. No doubt though, I can’t afford not to give in to the little moments, as those often make the biggest impact upon our children. I want my kids to see love and joy in simple opportunities, rather than assuming love is complicated and joy is elusive. I have hope that I can become more compliant in purifying the love in our home. As a reminder of how to best approach my role in the home, I am posting this quote on my wall from St. John Paul II: “Do not forget that true love sets no conditions; it does not calculate or complain, but simply loves.” 

Categories
Domestic Church Mary P.

Financial Stewardship: Creating A Family Budget

Happy 2017! The new year means that people are thinking about ways to change and fix all the things about their lives that need changing and fixing. Faithful Catholics might think about improving their spiritual lives – resolving to start praying more, going to confession more, yelling less, being more grateful, etc. In the midst of that crucial spiritual stock-taking, I want to propose a more “practical” item that deserves consideration – finances. Specifically, I want to address creating a budget.

Money issues are a practical matter, but they have spiritual implications as well. For example, one of the major causes for marital strife and even divorce is financial difficulty or disagreement. Having a workable family budget goes a long way toward creating personal and familial harmony. Without a budget, there is much more room for stress and conflict. More broadly, money is a tool to be used in the service of our calling as spouses, parents, and missionary disciples. We must be good stewards of it in order to carry out that calling. Budgeting is part of that stewardship. 

I’m not in any way a financial professional or expert. Rather, I’m a wife and mom who takes care of the family finances, and has finally found a budgeting system that I can stick to (after eight years of marriage and many failed attempts). I’m someone who has witnessed the dire consequences in people’s lives of not being good stewards of their money. As such, I believe in the importance of budgeting, and want to share some tips for those who do not have a budget.  (There are many resources out there for further information on the topic of budgeting and being a good financial steward). 

  1. Recognize your need for a budget. Even if you are in the top tax bracket, you need a budget. Budgeting isn’t just for those who must watch every penny simply in order to feed their families. On the flip side, even if you think your budget would never be “in the black,” you still need one. You might think that your necessary spending outweighs your income (and thus rely heavily on credit), but creating a budget and tracking your spending will help you see where you might be able to cut back so that your budget can balance.
  2. Find a budgeting tool that works for you. Even if you use pen-and-paper or an Excel spreadsheet, it’s critical that your craft your budget in a way that makes the most sense to you and is easily implemented in your life. I use a website called EveryDollar (created by financial guru Dave Ramsey). Until I discovered this website, I had never been able to create a budget that accounted for all my expenses (not just the monthly, predictable ones), let alone one that I was able to stay on top of. There are other websites and apps out there. Look around to see what will work for you. Take advantage of free trial offers for paid programs (as long as you can trust yourself to cancel before the trial is over if you decide you don’t want to use it!)
  3. Work with your spouse to create the budget, and make a mutual commitment to stick to it.  You both need to be on board with the budget in order for it to work! If either of you are reckless spenders, the budget will be sabotaged. (If you or your spouse are unable to get your unnecessary spending under control, considering talking to your priest or a counselor). Communicate and re-evaluate the budget often.
  4. Use a “zero balance” budget. This is a type of budget where you account for every penny that comes in. If you bring in more than you spend each month on necessities and “extras,” consciously allot the rest to savings or to paying down a debt. By using this kind of budget, my husband and I were able to pay off our student loans more quickly. You should go back and adjust the budget at the end of the month to make sure it zeroes out. If you over-budget in a category like groceries or gas, you can put that extra money toward a category you may have under-budgeted for, or toward debt and savings. Adjust the next month’s budget to reflect your actual spending habits.  
  5. Budget for the bills that you pay on a non-monthly basis, and other irregular expenses. For example, our water bill is paid quarterly. Each month, I set aside one-third of what I expect the bill to be, so that the money is all there when needed. I also have funds set up in my budget for things such as clothing, homeschooling materials, and home maintenance. I put some money into each of those funds every month so that it’s there when I need it.
  6. Track everything that you spend. This is where the website/app I use has made all the difference. I am not “on top of things” enough to record every purchase I make or keep every receipt. For a fee, my budgeting tool imports all my bank activity. I can simply drag and drop each item into the appropriate budget category. Since I rarely use cash to make purchases, this has made it extremely easy to keep track of every expense.
  7. Be realistic. For example, if you think you “should” be spending only $500 on groceries every month, but you can’t seem to come in under $600 no matter how hard you try, then budget for $600 and cut back somewhere else. Part of being realistic is budgeting “fun money” for you and your spouse to be spent however you want (barring anything immoral of course). This helps cut down on the frustration of adhering to a strict budget. If you create an overly-idealistic budget that you can’t adhere to, you are likely to give up on budgeting. 
  8. Set specific financial goals and use your budget to work toward them. One of these goals should be an emergency fund for those unforeseen large expenses (which tend to pop up in clusters). Other goals might include saving for a house or a new vehicle. (It’s best to pay cash for a vehicle rather than incurring debt. But, if you have to take out a loan, you still need to have a down payment saved up). You should think about long-term goals, such as retirement and college funds, as well. 
  9. Make charitable giving (especially to your parish) a non-negotiable. The Church does not require us to give a specific percentage of our income. But we are required to help provide for our parishes. Do not give from your surplus. Instead, give sacrificially, like the Scriptural widow who gave her last coin.

Successful budgeting usually involves a lot of trial and error. Like all efforts at self-improvement, it’s probably not going to come easily at first. Don’t give up. Financial stewardship -of which budgeting is a critical aspect- is part of a life of discipleship. 

Categories
Domestic Church Giveaways Homeschool Ink Slingers Martina

GIVEAWAY: 2015-2016 Catholic Through The Year Printable CALENDAR!


Buy this on Selz
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Hear ye! Hear ye!

WINNERS ARE:

Alice Doyle

Kim Barger

Alesha Wozny

Allison Fogarty

Lisa Dryzal

Linda Dell’Uomo Reid

Elyse Oslé Rinehart

Hannah 5/27 4:15 p.m.

Kristi 5/27 11:12 p.m.

Christie Martin 5/28 8:37 p.m.

{Winners, please email Martina@CatholicSistas.com with Calendar & Bundle giveaway winner in the subject line and let me know which of the three bundles you would like – homeschool, household management, or blogger. Congratulations!}

Last year Catholic Sistas launched an all-new product to the Catholic planning world–a downloadable and printable calendar for YOU to print. It received such a wonderful response, we are now in year two of offering the academic calendar. I love, love, LOVE mine. I use it every day and it sits to the right of my laptop for easy access to see what’s going on for the day. At $7.50 for the calendar and $3.50 for bundles, you really can’t go wrong. It’s versatile and meets the needs and budgets of many, from those who want to print in black & white and save a few dollars in printing at home, those who want to print in color or who want to spend the extra money and have it printed professionally and bound.

TEN lucky winners will receive a FREE download of the new academic calendar AND their choice of ONE free bundle {homeschool, household management, and Catholic blogger}.

::SCROLL DOWN TO SKIP THE DETAILS AND ENTER::

WHAT’S NEW THIS YEAR?

  • New color scheme and designs – a rich coral and deep smokey gray.
  • The rendition of Madonna of the Lilies by friend of Catholic Sistas, Monica Welch of Dovetail Ink.
  • PDFs are fillable using Adobe Acrobat Pro or some other editing program. This is GREAT news for those of you who like to fill in information prior to printing. Perfect for homeschooling mommas! More details and options for those of you without Acrobat Pro will be available in the near future, so stay tuned!
  • Print size is not just limited to 8.5 x 11 – you can print two to a page, making the planner 5.5 x 8.5 and perfect for throwing in your purse or diaper bag.

2015-2016 CALENDAR/DAY PLANNER DETAILS

  • downloadable and printable files to print using your own home printer or take to a printer to have it professionally printed – your choice!
  • available in COLOR or B&W
  • beautiful cover sheet
  • August 2015-July 2016
  • this liturgical planner was created using the standard guidelines of the Church calendar, both the Roman Missal promulgated by Pope Paul VI in 1969 used in the Ordinary Form of the Latin Rite {the Novus Ordo} and the Roman Missal promulgated by Pope St. Pius V and reissued by Pope Bl. John XXIII in 1962 used in the Extraordinary Form {the Traditional Latin Mass – TLM}
  • year at a glance
  • 12 month at-a-glance pages {two-page spread per month for maximum use}
  • weekly planners for each month, giving you plenty of customizable space to meet your family’s needs
  • includes a personal information page
  • contact sheet for friends, family, & acquaintances
  • multiple pages for note taking or doodling
  • and a meaty section on prayer, including verses from Sacred Scripture, quotes from saints, & references pulled from the Catechism of the Catholic Church, as well as a truncated list of common prayers.

BUNDLES

HOMESCHOOL

  • beautiful cover sheet
  • 36 pages of blank lesson plans waiting for you to get ready for the school year! Verses from Sacred Scripture, quotes from saints, and snippets from the Catechism of the Catholic Church laced throughout.
  • grade sheet printable to use as many times as needed
  • a FREE homeschool conference kit courtesy of our friends at Raising Saints
  • and a report card printable for you to print on card stock, making your homeschool reporting look professional!

HOUSEHOLD MANAGEMENT

  • beautiful cover sheet
  • a re-usable to-do list {which I recommend you laminate} to keep track of what needs to get done throughout the day
  • 12 month of meal calendars, August 2015-July 2016
  • weekly meal planner printable to print as many times as you will use it through the year
  • daily cleaning list {lamination recommended}
  • weekly & monthly cleaning lists {lamination recommended}
  • fall & spring cleaning lists {lamination recommended}
  • 23 day organizing challenge
  • household tips sheet
  • around the house master project list
  • budget list for finances, August 2015-July 2016
  • birthday & anniversary list, by month
  • AND a gift list, with a breakdown to designate Christmas, birthday, or anniversary

BLOGGER

  • beautiful cover sheet
  • additional cover sheets for each blogging month
  • goals sheet for each month
  • daily maintenance sheet to keep track of your posts and what you’ve done with social media, did you pray?, etc.
  • brainstorm sheet with room to spread out and jot down ideas, tags, categories, SEO, where to promote, time and supplies needed, and any offshoot post ideas
  • guest post sheet to keep track of details for those who wish to write on your blog
  • sponsor sheet to keep track of ads, $$ coming in, and start/end date for the ads
  • AND a month of posts sheet to jot down all the post titles for the month, as well as recording numbers for all your social media

UNIQUE FEATURES

  • QR codes to different Catholic Sistas posts and articles throughout the weekly calendars
  • the Proverbs 31 Catholic Woman introduction and the examination of conscience sheet we shared through the series for easy reference
  • available in COLOR or B&W!
  • your download will come with instructions to print, including which pages to print on heavier paper, such as the dividers and cover pages, as well as which ones to laminate and paper recommendation to prevent bleed-through AND a print release for your local print shop.

PRICING

♦ Calendar/Day Planner – $7.50

♦ Bundles will be as low as $3.50/each with purchase of the calendar/day planner

THE GIVEAWAY DETAILS

  • Giveaway will run from Tuesday, May 26-Friday, May 29
  • TEN winners will win a full download of the 2015-2016 academic calendar AND their choice of ONE free bundle {homeschool, household management, and Catholic blogger}
  • GOOD LUCK, FRIENDS!!

 

TO ENTER

This giveaway is EASY PEASY. Just answer the following question in the comments section of THIS post:

“What was the last organizing project you worked on?”

Did you clear out some clutter from the garage? What about under your bed or the perpetual mess of a hallway closet…or is that just me with the toddler who likes to use it as a stowaway fort, pulling clean towels down on a daily basis? Have I said too much? 😉 Share what you’ve done lately, be it small or big, then comment and get entered!

THE RULES

One entry per person, please.

Giveaway will end at 10 p.m. CST on Friday, May 29 {comments will be closed upon deadline}

CONTEST IS OVER. 158 FACEBOOK COMMENTS AND 88 DIRECT BLOG COMMENTS. WINNERS WILL BE ANNOUNCED ON SATURDAY, MAY 30.

 

To see details of a printed planner – I’m still printing mine up, folks – I’ll have new pics of hard copies before the week is over, visit the sample page that has pics from last year’s planner. Have questions? Visit the FAQ page for more details. Also, see our terms of service prior to purchase.

Categories
Domestic Church Giveaways Homeschool Ink Slingers Martina

GIVEAWAY: A Catholic Calendar & Day Planner with a Unique Twist!

GIVEAWAYplanner

Hear ye! Hear ye!

What if you could buy ONE planner for all your needs? A new Catholic planner is in town and she brought some fun bundles with her! If you love Catholic Sistas and it has brought you joy or inspired you to greater depths of passion for our beautiful Catholic faith, then you will love supporting us by purchasing this new downloadable planner. It will be our annual fundraiser, intended to help keep the blog running and cover basic maintenance expenses. Its anticipated debut is set for Tuesday, July 15, which is perfect since our giveaway will run until…yup, Tuesday, July 15!

What’s in it, you say? Well, let’s get started!

::SCROLL DOWN TO SKIP THE DETAILS AND LOG INTO RAFFLECOPTER::

2014-2015 CALENDAR/DAY PLANNER DETAILS

  • downloadable files to print using your own home printer or take to a printer to have it professionally printed – your choice!
  • available in COLOR or B&W
  • beautiful cover sheet
  • August 2014-July 2015
  • this liturgical planner was created using the standard guidelines of the Church calendar, both the Roman Missal promulgated by Pope Paul VI in 1969 used in the Ordinary Form of the Latin Rite {the Novus Ordo} and the Roman Missal promulgated by Pope St. Pius V and reissued by Pope Bl. John XXIII in 1962 used in the Extraordinary Form {the Traditional Latin Mass – TLM}
  • year at a glance
  • 12 month at-a-glance pages {two-page spread per month for maximum use}
  • weekly planners for each month, giving you plenty of customizable space to meet your family’s needs
  • includes a personal information page,
  • contact sheet for friends, family, & acquaintances,
  • multiple pages for note taking {or doodling, if that’s what you like to do!},
  • and a meaty section on prayer, including verses from Sacred Scripture, quotes from saints, & references pulled from the Catechism of the Catholic Church, as well as a truncated list of common prayers.

BUNDLES

  • HOMESCHOOL includes
  • beautiful cover sheet
  • 36 pages of blank lesson plans waiting for you to get ready for the school year! Verses from Sacred Scripture, quotes from saints, and snippets from the Catechism of the Catholic Church laced throughout.
  • grade sheet printable to use as many times as needed
  • and a report card printable for you to print on card stock, making your homeschool reporting look professional!
  • HOUSEHOLD MANAGEMENT includes
  • beautiful cover sheet
  • a re-usable to-do list {which I recommend you laminate} to keep track of what needs to get done throughout the day
  • 12 month of meals calendars, August 2014-July 2015
  • weekly meal planner printable to print as many times as you will use it through the year
  • daily cleaning list {lamination recommended}
  • weekly & monthly cleaning lists {lamination recommended}
  • fall & spring cleaning lists {lamination recommended}
  • 23 day organizing challenge which outlines different tasks to tackle
  • household tips sheet with some cool tidbits of information to make your life easier
  • around the house master project list
  • budget list for finances for all months of the year
  • birthday & anniversary list, by month
  • AND a gift list, with a breakdown to designate Christmas, birthday, or anniversary
  • BLOGGER includes
  • beautiful cover sheet
  • additional cover sheets for each blogging month
  • goals sheet for each month
  • daily maintenance sheet to keep track of your posts and what you’ve done with social media, did you pray?, etc.
  • brainstorm sheet with room to spread out and jot down ideas, tags, categories, SEO, where to promote, time and supplies needed, and any offshoot post ideas
  • guest post sheet to keep track of details for those who wish to write on your blog
  • sponsor sheet to keep track of ads, $$ coming in, and start/end date for the ads
  • AND a month of posts sheet to jot down all the post titles for the month, as well as recording numbers for all your social media

UNIQUE FEATURES

  • QR codes to different Catholic Sistas posts and articles throughout the monthly calendars
  • the Proverbs 31 Catholic Woman introduction and the examination of conscience sheet we shared through the series for easy reference
  • available in COLOR or B&W!
  • your download will come with instructions to print, including which pages to print on heavier paper, such as the dividers and cover pages, as well as which ones to laminate and paper recommendation to prevent bleed-through.

PRICING

♦ SHEW! That’s a lot! But, let’s get into pricing since only ONE person will win.

♦ Calendar/Day Planner – $10 {COLOR and B&W}

♦ Bundles will be $5/each with purchase of the calendar/day planner

GIVEAWAY DETAILS

  • Check out Rafflecopter for all the different ways you can enter to win
  • Giveaway will run from Monday, July 7-Tuesday, July 15
  • ONE winner will win a full download of their choice, color or black & white and any/all bundles they’d like to add on
  • GOOD LUCK, FRIENDS!!

a Rafflecopter giveaway