Attitude is the most important aspect of sticking to your budget. Here are some simple attitude changes you can make for a beautifully balanced and realistic budget.
Budgeting can be the most wonderful thing ever… for some people. Most of us loathe budgeting, largely due to feeling like a failure month after month when you realize you didn’t stick to it. Everyone can use some tips and tricks for sticking to the budget and meeting your financial goals.
Though the days of carrying cash for everything are far behind us, when the typical person starts using it again, they tend to get more frugal with it. How easy is it to simply swipe a card here and there, having no idea that you just blew your entire budget in one motion? Of course, many people don’t find out just how bad they did sticking to the budget until the next credit card bill comes in.
Attitude is the most important aspect of sticking to a budget. You have to be committed to it. Discipline is one of the hardest parts of it and is usually what gets people into a financial mess in the first place. Well, that and unexpected bills. Thankfully, there are other things that you can do (FOR FREE) to help you create and stick to that budget!
Here are some simple attitude changes you can make for a beautifully balanced and realistic budget.
From EveryDollar.com – Keep It Real
Let’s say you give yourself $100 for restaurants each month but consistently spend three times that. Something’s gotta give. Why not meet in the middle? Go ahead and cut back, but also budget a little more if you can. The closer your plan is to reality, the more likely it is that you’ll stick to it.
From LifeHacker – Use cash
Take money out of your account and use real cash from a real wallet to pay for your daily expenses. When you run out of bills, you run out of money to spend.
From Living on A Dime – Watch the “nickel and dime” spending
A quick stop for a pop at a convenience store or an impulsive magazine purchase. If you don’t know how much you spend in this area, put a set amount of money in an envelope for miscellaneous spending. Only make these purchases out of this envelope until the money is gone. This will help you get an accurate idea of how much you spend in that area.