Accumulated Savings – Frugality Pays!  If you invest it.

Below is a spreadsheet  and graph showing the savings I have accumulated by doing  few things around the house myself instead of paying someone to do it for me.  Sometimes I think “why am I doing this”, but once I get it done, I am glad I did!  It makes it easier to tackle these jobs when your spouse is supportive, my wife is very supportive and good help on most things.  By doing a lot of jobs around the house myself,  the budget category was not busted, usually, and we did not have to tap into our emergency fund.  Budgeting works and can help you reach your savings and investing goals.