- #For out of the overflow of the heart the mouth speaks james update#
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The same goes for television/internet – are ads in the media causing you to spend more than you should? Then try to abstain from these outlets as much as possible.Ħ) Sell, sell, sell! Go through your house and take a look at what you have that you can get rid of.
Cut up the credit card and unsubscribe from the emails! Out of sight, out of mind. Or, those pesky e-mails from your favorite vendors always taunting you with great deals and sales. Take a close look at the things in your life that cause you to spend more money than you usually would. Once you have this money set aside, you can feel a lot better about the future, knowing you have that cushion to fall on in case something unexpected happens.ĥ) Eliminate temptation. #1 on your list of goals should be to build up your emergency fund ($1,000 minimum) and get 3-6 months living expenses in your savings account in case of job loss. Think about what you can give up in the short term so that you can get rid of that debt. Set realistic goals, but also challenge yourself. For example, you may want to pay off your credit card in 6 months, or you want all of your school loans paid off in 5 years. Most of what we have we don’t really need! Eliminating just a few luxuries can seriously help decrease your debt and keep you from creating more).Ĥ) Set financial goals. (Note: I truly believe our luxuries are what lead most of us to crippling debt. This will help you feel less deprived and let you buy or save up for the things you really want but don’t actually need. For example, my husband and I get x amount of dollars to spend each month, no questions asked. Another way to feel less guilty about unnecessary purchases is to add “blow money” to your budget. Decide what you want to keep, and what you can live without for a few months (ie – the daily latte can put maybe $25 a week back in your pocket that you can use towards another luxury you’d rather indulge or a bill that is more pressing). Make a list of the things you don’t necessarily need, but really want to make room for in your budget.
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Try to stick to it! is great if you have a smart phone, since you can download the app and it will send you alerts when you are close to going over your budget.ģ) Consider your luxuries.
#For out of the overflow of the heart the mouth speaks james update#
An Excel sheet that you update frequently will work as well. So, focus on those things.Ģ) Create a budget. But remember that the basic human needs are food, shelter, and water. I realize this may look different for everyone, as we all can define the word “need” differently, depending on our individual situations. These are the things you need to live day to day life. Create an excel sheet indicating your income and your necessary expenses (food, rent, utilities, other bills).
And of course, we have learned a lot from our own financial successes and failures).ġ) Take a close look at your expenses. So, a lot of our practices come from him, as well as wise friends and family who have taught us some valuable financial lessons over the way. He gives great financial advice that anyone can gain from. (My husband and I are big Dave Ramsey fans, and enjoy listening to his radio show/podcasts. I’m feeling pretty good about it so far, since I didn’t spend any money yesterday! But it is only January 2nd, so obviously I have many more days to conquer:Pįor any of you reading this who are thinking about how you also need to budget and get your finances under control, here are some ideas for you. We didn’t go crazy, but we didn’t stress TOO much over what we spent. December was our last month to spend freely. My husband and I started looking closely at our finances last month right before the holidays and decided that January was the time that we were going to start doing some serious budgeting. I think most people use the new year as a time to start fresh with their finances, and first on their list is attacking the credit card balances that have built up over the holiday season. It can be quite hard to budget when the world around us is telling us to “Buy, buy, buy!” And definitely not in a society such as ours which is constantly assaulting us with ads telling us what to buy, how much to buy, that what we have isn’t good enough, that a used car isn’t as great as a brand new one, etc. It can also teach us what is truly important in life. How can you go wrong? Saving and spending your money in a smart and responsible way is a huge way to relieve stress. I am sure that anyone who has budgeted and spent their money wisely would never say that they regret it. It doesn’t give me the freedom to buy what I want, when I want it.īUT….it’s very important. Why would I want to budget? Why would I want to limit myself in how I spend my money? It’s annoying. It may be one of my least favorite things.
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