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"You have taught me to believe in myself and to take things slowly, one step at a time, keep sight of my goals, both short term and long term.

Your coaching style was both nuturing and motivating, you seemed to intuitively know some days what I needed most. Your caring and understanding was so appreciated and it came from the heart."

-Holly C.

I would recommend the Simplicity Course as an easy, practical way to start simplifying one's life. I especially liked the segments on Tolerations, Wardrobe, and Office and Paperwork.

Each day focuses on only one task, which is helpful to people who feel overwhelmed by the complexities of modern life and hardly know where to begin downshifting.

-Joan, New York

Beth has an uncanny way of, "reading between the lines" to see a person's heart. I appreciate how genuine she is.

I have already begun implementing her suggestions, and am dumbstruck at how well they are working. I am feeling so much more secure, and feel I am finally put onto a life path that will bring me joy for many years to come."

-Sue Halpern

I feel more focused and have an objective instead of aimlessly filling up the day.

-Shelli Segura



The Envelope Method of Budgeting

Here is another way to budget your money called the envelope method. Decide how much money you are going to spend in each category. Put your 10% or your allotted savings amount and put it directly into savings.

Now figure out how much money you will need in each category. The money for gas, entertainment, groceries, personal, clothing, etc gets taken out of the bank and put into the correct envelope.

For instance if you decide to use $80 for groceries you put the money in an envelope marked groceries. Grocery day comes and you bring your shopping list and coupons to the store, but leave your checkbook and credit cards. You can't overspend because the only money you have is in the envelope. Whatever money is left over can be put into another category if you'd like.

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Beth Dargis helps the overwhelmed to create saner, simpler lives. For free monthly Simple Self Care Calendar and Weekly Simplicity Tips visit: http://www.encouragingcoach.com. This article is Copyright 2005 by Beth Dargis, Zeeland MI. To send feedback or request reprint permission (usually granted free of charge), please contact .





PO Box 233 Zeeland MI 49464 Beth Dargis