Melanie

  De Jong

Melanie

  De Jong

Hey There, I’m Melanie! I am a former CPA turned personal finance blogger and mom of three. When you ‘Budget With Mel’, you’ll develop monthly budgets, cost-cutting tactics, and learn new behaviors and beliefs about money. It’s time you took the stress and confusion out of your personal finances.

Hey There, I’m Melanie! I am a former CPA turned personal finance blogger and mom of three. When you ‘Budget With Mel’, you’ll develop monthly budgets, cost-cutting tactics, and learn new behaviors and beliefs about money. It’s time you took the stress and confusion out of your personal finances.

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meet Melanie

When it comes to Budgeting, It should be Simple

When it comes to Budgeting, It should be Simple

Hey There, I’m Melanie! I am a former CPA turned personal finance blogger and mom of three. When I began budgeting, I found myself overwhelmed with all of the details of tracking my budget monthly. It seemed like a big task, and I needed it broken down into smaller steps. My husband and I started using the Budget by Paycheck forms and paid off $20k of student loan debt in 12 months, while living on ONE income! Now, I love to teach others financial literacy through budgeting, saving, and investing education, all to the glory of God.

Its time you took the stress and confusion out of your finances.

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BLOGS THAT WILL CHANGE YOUR LIFE

It’s time you took the stress and confusion out of personal finances. Join more than 10k subscribers and explore exclusive weekly content including money tips, meal planning hacks, retirement planning advice, debt payoff strategies & more! 

setting up a budget

These budget notebook ideas will help you organize your finances and reach your financial goals!
by Melanie DeJong 30 Aug, 2024
These budget notebook ideas will inspire your creativity and help you organize and reach your financial goals! Here's what you need in your budget binder to take control of your personal finances.
Learn how to master and organize your finances with a budget calendar.
by Melanie DeJong 19 Jun, 2024
Organize your personal finances by utilizing a budget calendar- lay out your paychecks, bills, social events, etc., so you know exactly what you need to budget for in the month ahead!
The ultimate guide to creating a successful family budget.
by Melanie DeJong 27 Jan, 2024
The ultimate guide to creating a successful family budget. If you're sick of financial stress and feeling squeezed at the end of every month, start budget planning and taking control of your personal finances.
Step by step guide to creating a zero based budget worksheet that will help you track your income, f
by Melanie DeJong 13 Nov, 2023
Step by step guide to creating a zero based budget worksheet that will help you track your income, fixed and variable expenses, savings goals, and debt tracking on a monthly basis.
VIEW MORE >>

getting out of debt

Whether you have credit card debt, student loans, a car loan, or mortgage debt, use these debt free
by Melanie DJ 30 Mar, 2024
Whether you have credit card debt, student loans, a car loan, or mortgage debt, use these debt free coloring pages as your debt payoff tracker; keeping you focused and motivated to become debt free!
by melaniedj 18 Jul, 2020
It's no secret that in order to pay off debt you have to work hard and stay motivated. One of the best ways to stay motivated on your debt free journey is to hear from others who have walked the journey!
by melaniedj 09 Jul, 2020
Becoming debt free is no easy task, and one of the best ways to stay motivated is to hear about others' success!
by melaniedj 25 Jun, 2020
To kick off my debt-free series on the blog, I have an amazing mama sharing her debt-free story! I'm so excited to start this series because hearing from others has an amazing way of making you feel like you're not in this alone!
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investing 101

Roth IRA's boast many benefits, but if you can't contribute to one, utilize the backdoor Roth!
by Melanie DJ 07 Mar, 2023
Roth IRA's are a great investment vehicle that boast many benefits, but if you're ineligible to contribute to one you might feel stuck. The backdoor Roth conversion option allows you to essentially convert your Traditional IRA funds to a Roth and enjoy all the tax benefits! Here's how to do it and who needs to consider it!
by melaniedj 13 May, 2021
According to a survey by Nationwide , the average age American workers start to begin saving for retirement is 31 years old. The issue is most Americans don't realize how much of a difference time (starting earlier) makes in investing.
Money goals for the new year to help you achieve financial freedom.
by melaniedj 11 Jan, 2021
These smart money goals will help you reset your spending habits so you save money and achieve financial freedom, not matter your income.
by melaniedj 03 Nov, 2020
At the end of the year, we start to think about our habits, including our money management habits. If you're reading this and thinking next year you need to start doing things better, I'd challenge you to keep reading and start today .
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latest posts

These budget notebook ideas will help you organize your finances and reach your financial goals!
by Melanie DeJong 30 Aug, 2024
These budget notebook ideas will inspire your creativity and help you organize and reach your financial goals! Here's what you need in your budget binder to take control of your personal finances.
Learn how to master and organize your finances with a budget calendar.
by Melanie DeJong 19 Jun, 2024
Organize your personal finances by utilizing a budget calendar- lay out your paychecks, bills, social events, etc., so you know exactly what you need to budget for in the month ahead!
Whether you have credit card debt, student loans, a car loan, or mortgage debt, use these debt free
by Melanie DJ 30 Mar, 2024
Whether you have credit card debt, student loans, a car loan, or mortgage debt, use these debt free coloring pages as your debt payoff tracker; keeping you focused and motivated to become debt free!
The ultimate guide to creating a successful family budget.
by Melanie DeJong 27 Jan, 2024
The ultimate guide to creating a successful family budget. If you're sick of financial stress and feeling squeezed at the end of every month, start budget planning and taking control of your personal finances.
Use my free financial goals worksheet to set and effortlessly track all your savings goals!
by Melanie DeJong 13 Jan, 2024
Get my free financial goals worksheet to set and effortlessly track all your savings goals! Financial goals examples including short-term goals and long-term goals to create a well-rounded financial plan that works for you!
Step by step guide to creating a zero based budget worksheet that will help you track your income, f
by Melanie DeJong 13 Nov, 2023
Step by step guide to creating a zero based budget worksheet that will help you track your income, fixed and variable expenses, savings goals, and debt tracking on a monthly basis.
What is a high-yield savings account and what are the benefits of this type of savings account.
by Melanie dj 30 Jul, 2023
Where do high-yield savings accounts fit into the financial plan for the productive Christian household? Are these types of savings accounts a wise investment for leaving an inheritance for our children’s children and stewarding the resources allotted to us? What are the potential risks associated with these accounts, if any? How can these accounts be utilized to meet your family finance goals? Are they only for the wealthy with tons of excess cash?
9 money challenge ideas to save money quickly. Try the 10k savings challenge for a lofty goal!
by Melanie dj 15 Jul, 2023
One of the best money saving strategies is to complete a savings challenge. Try the penny challenge, envelope challenge, 10k savings challenge, or any of the other money challenges outlined in this post to save money quickly!
VIEW MORE >>

budgeting tools

FREEBIES MADE FOR YOU

PAYCHECK BUDGET FREEBIE

Get instant access to my free paycheck budget template that will help you layout a detailed plan for your finances!

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GOOGLE SHEETS TEMPLATE SIGN-UP

This is the exact budget template we use to create our monthly budget every month in just 15 minutes. This template gives you the freedom to spend your money guilt-free, with purpose!

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CASH ENVELOPES FREEBIE

Get instant access to my free printable cash envelope blueprint that will help you curb your spending habits and save more money every month! 

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