Stay On Budget by Making These Small Changes
Budgeting is one of the most important life skills to master when you start to make your own way in the world.
Though it’s something that many of us fail to get to grips with, even when we’ve been paying our own way for years.
If you feel as though your budgeting ambitions are forever being thwarted by your out-of-control spending, then perhaps it’s time to make a few simple changes to your lifestyle.
Believe me, it is hard for everyone. Myself included but, I make a budget and I stick to it.
Read on to discover the small changes to make to help you stay on budget.
DON’T SHOP WHEN YOU’RE HUNGRY
If there’s one thing that’s likely to lead to an impulse purchase, it’s shopping while hungry.
The grocery stores have every incentive to tempt you, as that’s where there margins are.
Why else do you think that they keep the chocolate bars by the checkout? You’ll be able to resist the temptation that much easier if you shop after you’ve eaten.
Ideally on a weekday evening!
PACK YOUR OWN LUNCH
If you’re going for a store-bought ‘meal deal’ every day, you might feel as though you’re saving.
If you add it up, the extra expenditure over the course of a month or year, you’re almost certainly spending more than you would if you packed your own lunch the night before.
Make a habit of doing so!
Plus, you can make healthier choices this way too, that’s always a plus.
If you pay for things in cash, then you’re likely to be more conscious of the money you’re handing over.
One of the downsides of contactless payment is that it makes it easy to spend hundreds of dollars on a single shopping trip.
Cash helps you to set limits for a given time period.
DON’T BUY Cutting-EDGE TECHNOLOGY
If you want to have the best possible technology in your home, then you’ll pay a premium for something that might not be all that valuable in a few years’ time.
The difference between a more expensive television and a more affordable television isn’t as much as you’d think.
The same applies to a range of appliances throughout the home.
DON’T WATCH Commercials
If you’re watching commercials or ads all the time, then the chances are that you’ll develop an urge to buy things that you don’t really need.
A sure-fire way to stay on budget is not to watch them at all.
Record everything and fast-forward the breaks.
Believe me, that will help with the urge!
TURN DOWN YOUR THERMOSTAT
Your thermostat is your best friend when it comes to energy-efficiency. If you find that you constantly have the heating cranked, it might be a sign that all isn’t well with your home.
Install a few insulating strips around the edges of your front door to limit the impact of drafts in the hallway.
Check to see whether your windows are performing well enough, too.
I find it that it’s easier to drop the heat a degree or two, grab a sweater, socks, and a throw blanket.
Save energy, the environment, and a few coins.
Among the best ways to keep track of your finances, even when you’re on the go, is with the help of mobile account solutions.
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They’re entirely secure, easy to use, and it’ll allow you to see at a glance just what you can afford at a given moment, and what you can’t.
This option isn’t for everyone but, it is definitely viable.
Just remember, budgets are meant to keep you on track but, don’t forget that life is too short to not enjoy it.
Just enjoy it wisely!
Do you have any tips or small changes to make to help you stay on budget?
Let me know, til then–cheers m’deres!
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Nancy Polanco is a freelance journalist, lifestyle content creator, and editor of Whispered Inspirations. She is a proud Mom to Gabby and Michaela, and wife to Darasak. They all share her insatiable wanderlust, enjoyment of good food, and sharing their adventures with the world. Nancy is a contributor to the Huffington Post, TODAY’s Parents, and an Oprah Magazine Brand Ambassador.