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Whenever I'm rolling over my budget for a new month, I always create a new budget calendar. It's a visual representation of when expenses are due and when I'm getting paid,which is a great way to organise my finances.In fact, my budget calendar is often the first step in my budgeting routine. It's a simple but powerful tool that allows me to look ahead and see my cashflow throughout the month. If used correctly, your budget calendar will do a lot more than just show you when your bills are due and when you're getting paid. It'll help you break the
If you earn a weekly or bi-weekly paycheck, chances are you feel like you suck at budgeting. It’s hard to understand how to make a monthly budget when you get paid every two weeks or even weekly. I’m not surprised. Trying to budget monthly when you get paid bi-weekly is like trying to throw a car in a basketball hoop. I’m not a sports fan by any means but even I know that’s not right. It doesn’t fit. But you keep trying because you want to take control of your finances and build the life of your dreams. Let’s dive
It’s a popular budgeting tool for beginners because it’s so simple and easy to understand. But there are some important things to consider when setting up a 50 / 30 / 20 budget. It’s a great first step for beginners but it’s not a perfect budgeting solution. In this post, we’ll explore: What a 50 / 30 / 20 budget is Things to consider when setting a 50 / 30 / 20 budget How to create a 50 / 30 / 20 budget How to determine whether a 50 / 30 / 20 budget is right for you Looking for
A percentage-based budget is a popular budgeting system. It’s a quick and easy way to create a budget in under 10 minutes. But just because it’s popular, doesn’t mean it’s the best budgeting method. And it doesn’t mean it’s right for you. In this post, we’ll explore:What a percentage-based budget isHow to set your budget percentagesWhat percentage should you budget for financial goalsWhat percentage of your income should you saveHow to handle debt in your percentage-based budgetHow to calculate your budget using percentagesThe Dave Ramsey recommended budget percentagesThe benefits and disadvantages of a percentage-based budgetHow a Dave Ramsey percentage-based budget works
Excessive spending can lead you down a debt spiral. When you’re spending money using only debt, you’re spending money you don't have. It’s money that isn’t yours and you’ll end up stuck with large amounts of debt that can take years to pay off. Knowing why you overspend and how to stop spending money makes a ton of difference. In this complete guide, we’ll cover: Reasons why you’re overspending; Practical tips to help you stop spending money; How to stop spending money on food and groceries; Ways to stop spending money on clothes; How to stop spending money on household
What Is Blow Money? Blow money is cash you include in your budget to spend however you like with no remorse or guilt. It’s sometimes called fun money, pocket money or spending money. They all mean the same thing but if you want a successful budget, you need blow money. Blow money gives you permission to spend money on whatever you want without killing your budget. There are two main ways to include blow money in your budget: Giving yourself a small allowance in your budget; Creating a sinking fund for blow money. But before you get to spend your