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Family Balance Sheet

where family, life, and finances meet

  • Home
  • How to Budget
  • Finances
    • Our Debt Freedom Plan
    • Christmas Savings Club
    • Debt Free Stories
    • Marriage and Money
    • Medi-Share
  • Grocery Budget
    • Saving Money on Groceries
    • Freezer Cooking
    • 31 Days to Slash Your Grocery Spending
  • Recipes
    • Freezer Cooking
    • Recipes – Appetizers & Snacks
    • Recipes – Beverages
    • Recipes – Breakfast & Brunch
    • Recipes – Desserts
    • Recipes – Grilling
    • Recipes – Main Dish
    • Recipes – Sides & Soups
    • Recipes – Slow Cooker
    • Cooking ‘How-To’ Series
  • Family
    • Frugal Holiday Fun
    • Frugal Family Activities
    • Travel Destinations
    • Camping
    • Budget Travel
    • Giving
  • Frugal Living
    • How We Frugal-ed
    • Saving Money on Groceries
    • Saving Money in your Home
    • Saving Money during the Holidays
    • Gardening
  • 31 Days to Find $1000

About Family Balance Sheet

This post may contain affiliate links. That means if you sign-up for services or make a purchase after clicking on a link below, I may earn a small commission at no extra cost to you.
Also, I am not a financial advisor. I'm a blogger who LOVES to share how I manage the finances for my household.

Welcome to Family Balance Sheet!

I’m Kristia. I’m a home cook, half-marathon runner, and a small business owner.  I live in central PA with my husband, two teenage daughters, and one spoiled dog.

I’m also a former corporate girl who went from managing millions of dollars for a large company to managing (much less) in my home. At Family Balance Sheet, you’ll find personal stories, practical tips, and delicious recipes to help you and your busy family live well on less, create a peaceful home, and live a happy life.

Why the name, Family Balance Sheet?

My husband and I are self-employed small business owners. Our income fluctuates. We have had amazing years and we have had really scary years. The amazing years are SOOO much better.

My corporate background is in Retail Buying, but in 2003, I left my career to join my husband in running his business. The plan was for me to use my corporate skills to help grow his business. In 2005 after the birth of our first daughter, we made the joint decision that I would be a stay-at-home mom. I would continue to assist with the bookkeeping/financial areas of our business, but I could do it from our home computer.

Since the beginning of our marriage, I took on the role of Family Office Manager. I enjoy crunching numbers and I needed a way to communicate our financial snapshot to my husband, so I devised an excel spreadsheet that I called our Balance Sheet. After the birth of our second daughter in 2008, I discovered the “mommy blogs” of those early years, and voila, FamilyBalanceSheet.org was born!

You can read more about the Family Balance Sheet and a FREE offer of the excel spreadsheet here.

What You’ll Find at Family Balance Sheet

At FBS, you’ll find topics related to Family Finances, Frugal Living, Marriage & Money, Home-Management, and Living your Best Life on a Budget.

Family Finances: My husband and I are mid-lifers who dream of being debt-free, including our mortgage. We wrote our Debt Freedom Plan in 2013 to give our finances direction and purpose. We paid off six figures of non-mortgage debts in September 2019 six years after making the commitment to take on the challenge.

Some popular series/posts are:

  • Our Debt Freedom Plan
  • How to Start a Budget (and be successful at it!)
  • Debt Free Stories
  • 31 Days to Find $1000
  • How to Save Money on Groceries – All my top tips in one post!

Recipes: I love to cook and my recipes use mostly real food and fresh ingredients that are usually found in any pantry.

Some of the most popular recipes:

  • Crispy Parmesan Chicken Tenders
  • How to Cook Dried Beans
  • Chicken & Black Bean Enchiladas
  • Garlic Parmesan Chicken Wings

Family Life Topics:

  • Family Travel
  • Frugal Family Activities
  • Giving
  • Summer Fun Guide

Fitness/Running: I’m a runner and my 10 Weeks to a Half Marathon series was popular and hopefully will give you the inspiration to make a fitness goal for yourself.

I welcome comments, feedback, ideas, or advertising/PR inquiries or opportunities, please email me at familybalancesheet@gmail.com.

Let’s connect! You can find me on Pinterest and Instagram.

Join my community and get loads of freebies!

When you sign up for my weekly newsletter, you’ll receive access to a free Family Balance Sheet Excel spreadsheet, a Gift Budget Spreadsheet, a debt payoff tracker, and many more printables and spreadsheets. 

I am not a financial professional, just a wife and mom who would rather read personal finance blogs than watch Real Housewives of (Insert City), so please consult a professional if you think that you are in need of professional advice.

To keep things transparent, please read my FBS Disclosure and Privacy Policy.

WELCOME!

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Get a Free Family Balance Sheet Excel Spreadsheet download

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Recent Posts

  • 8 Action Steps for a Frugal February!
  • Our 2023 Financial Goals
  • 3 Smart Steps to Pay Cash for Christmas
  • 30 Free but Thoughtful Christmas Gift Ideas
  • 10 Ideas to Find Cash for Christmas
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Amazon Associates Disclosure

Kristia Ludwick is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

COPYRIGHT

I love it when you share! Please keep in mind that all images and text on this site are property of Family Balance Sheet. Feel free to use one or two photos provided that a link back to my original post is included. Please do not remove any watermarks, crop, or edit any of my images without first obtaining written permission from me. Please do not replicate or copy any content from Family Balance Sheet without written permission from me. All free printables & spreadsheets offered are for personal use only. Pinning is always welcome and appreciated! Thank you!

Disclaimer

FamilyBalanceSheet.org is for informational and entertainment purposes only. I am not a financial professional. I’m a girl who loves to talk and read about personal finance and how it relates to hard working families. If you feel you need financial advice, please seek out a competent professional.

Disclosures

  • The content on FamilyBalanceSheet.org may contain affiliate and/or referral links that help support this site at no additional cost to you. I only recommend products and services that I believe in.
  • Terms of Use & Privacy Policy

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