Budgeting and taking charge of your finances can be a little overwhelming and hard in the beginning, but the hardest part is starting. Things get easier once you start.
Your first month budgeting probably won’t be perfect and that’s okay. 🙂 Unexpected expenses come up and life happens.
The point of a budget is to be more intentional with your money. You’re not just spending to spend. You’re spending with a plan in mind.
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Here’s a list of the BEST tips to implement so you take your budget seriously. You deserve financial freedom. You can do this.
✨ 1. Get Your Loved One Or Friend Involved
It is a million times easier to stick to a budget when you have accountability and someone to get excited with. Whether it be your significant other, best friend, sibling, or coworker, find someone to go on this journey with you.
For me, this person is my boyfriend.
We get so excited talking about numbers, where we need to spend less, and how we are going to improve next month.
Each month, you can sit down with your friend and talk about what you’re saving for, categories you’re spending less, and how you did with your budget the month before.
✨ 2. Walmart Grocery Pickup
My new favorite app is Walmart Grocery Pickup for 2 major reasons: 1) It’s a huge time-saver 2) Convenient, easy pickup. You don’t even get out of your car to get your groceries.
You save a ton of money using Walmart Grocery pickup because:
- Are you bad at picking fresh produce? Their grocery experts know exactly which to pick from for maximum freshness. If you aren’t satisfied with the freshness, you can get a refund.
- I needed 1 substitution because they didn’t have the item I ordered, so they gave me an even better item for the same price as the original item I ordered.
- You save money on groceries because you don’t even get the chance to impulse spend since you’re not in the store.
How to get started easily:
- Click here and get $10 your first Walmart Grocery Pickup.
- Order groceries online.
- Schedule your pickup.
- No fees, no tips accepted, no subscription model. It is free to use Walmart Grocery Pickup.
If you’re new to Walmart Grocery Pickup, you get $10 off your first purchase here. That means you can get $50 worth of groceries for only $40.
Even better, once you fall in love with Walmart Grocery Pickup (which you will), you can start referring friends and family. Just get 5 friends to try out Walmart Grocery Pickup and you’ll get $50 toward groceries.
✨ 3. Switch cell phone plans
Are you overpaying for cell phone service? Probably.
After seeing ads for low-priced mobile plans for years, I decided to take the leap and try out a mobile plan that isn’t AT&T, T-Mobile, or Sprint. I tested out Tello Mobile for only $19 per month.
What I learned from testing out a new mobile plan: Just because you pay more doesn’t always mean you’re getting better service. T-Mobile charges me $80 per month while Tello Mobile charges me $19. I got the same coverage with both phones in my city. I went out to different locations in my town and tested both phone plans. They got the same exact service. This is why I recommend moving to a cheaper phone plan.
Why pay more for the same thing?
Most of us are going to have cell phone plans for forever. A savings of $100 a month can be roughly $1,200 a year.
In 10 years, you’d save $12,000.
In 20 years, you’d save $24,000.
Tello Mobile uses the SAME towers as Sprint to get service. Tello Mobile has NO contract and NO fees, with flexible plans starting $5 to $39. Yes, the most expensive plan is $39 per month. Tello has Nationwide 4GB LTE coverage Calls to Canada, Mexico, and China is even included.
If you’re hesitant on switching carriers, think about all the money you’ll save over the years to come. You can even test out Tello Mobile for 1 month before totally switching over.
✨ 4. Stay Educated Even If No One Around You Knows About Finances
Growing up, I had little financial guidance. I could’ve easily stayed on the path of what some of my family members did with money, but I decided I wanted my journey with money to be different.
The key is to at least learn the basics about money through books, or personal finance blogs.
✨ 5. Save Money Without Thinking About It
If you struggle with saving money, I recommend finding a way around this by saving money without thinking about it.
You can do this by using Digit, a money-saving app that saves you money by analyzing your spending and automatically saving the perfect amount every day. You can get an idea of how it works here.
With Digit’s software, they do all the hard work for you. Digit’s algorithms learn how you spend, so you don’t have to change your lifestyle. They even know when to take a break.
✨ 6. Tackle Small To Large Debt
You may have heard of the snowball method from Dave Ramsey. It’s a great way to stay motivated to pay off debt and stick to a budget.
The snowball method works by paying off accounts one by one by starting with the smallest balances first. This way, every time you pay off an account, you’re motivated to keep going.
It really works. My boyfriend is currently doing this with his consumer debt and he is on a roll.
Lay out all of your debt on a piece of paper by smallest to largest balance. Start with the smallest and move on from there.
✨ 7. Make More Money
No matter how good you are at budgeting, you can only save so much.
If you’re trying to pay off more debt and you’ve already lowered your spending as much as possible, I recommend making more money to put toward your debt.
When I was in college, I was paying off my tuition balance by working side hustles. I was a babysitter, dog walker, virtual assistant, and freelance writer. I even ran this blog as a side hustle and turned it into a business.
If you have any questions about managing your money and budgeting, reply to this email and I’ll get back to you. 🙂
You can do this. If I can do it, so can you. Believe in yourself. Seriously, you got this! Don’t put off your budget a day longer. You deserve financial freedom.
You can create lasting change in your life by starting today.
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What are you doing to stick to your budget? Share in the comments below!
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