How I Budget & Still Live + TEMPLATE!
With the holidays coming up we all want to save extra money or maybe you just have a spending problem, much like myself. I am going to share how I budget & treat myself.
Do not save what is left after spending, but spend what is left after saving. -Warren Buffett
Budget three pay periods out!
Use your calendar! Remember when you scheduled your hair appointment 6 weeks ago? Me either. Now you have $150 that you didn’t think you would be spending…or a lot of growth & split ends.
Use the Numbers app on your iPhone & update in real time.
Bills, Save, Spend. IN THAT ORDER!
Set a budget & make a list for gift giving. Holiday shop over 2-3 months. If I hear someone mention something they want, I quickly go to my notes in my phone & write it down for later.
Open a savings account. I didn’t have one for a long time. I would just take cash out & put it somewhere safe, but I would use it as my own petty cash. Now that I opened a savings account I have more than tripled my savings. Call it a Freedom Fund instead of a Rainy Day/Emergency Fund.
Invest in yourself. Whether it’s health, wellness, books, classes, & your dreams.
Follow my finance board on Pinterest. I post tips, how to’s, affirmations (essential), & more.
Share your budget advice in the comments!