Let me start by saying I do not like the word budget. Actually, I don’t like the word or the concept of it. Just thinking about it, my mind starts to swell with anxiety and fear of being limited with money. Clearly, I have issues.
The reality is that the big 3-0 is quickly approaching and with that comes a whole new chapter of life for me. It’s time to start evaluating my wants, needs, and dreams; pretty much life in general. And within all of that lies the responsibility of my finances. I have always been coined as someone who is “good with her money” and I guess I can agree with that on some level. By no means am I carrying around a perfect credit score and believe me when I tell you I have balances on my credit cards, but overall I manage these debts well. I know that there are bills to be paid and I always prioritize bills – even over the latest Crosby Tote by Rebecca Minkoff.
Although I may manage my money well, there is always room for improvement. With each year that passes I feel more and more pressure to pay off the debts completely and bump up that credit score. I also add on the pressure to spend my money more wisely and save as much as I possibly can. So, how do I do this? How do I become a financial guru all while taking dream vacations and furnishing an office in my new home?
The Everygirl is one of my favorite sites. I am on there daily and I cannot get enough of their articles. They cover it all: food, fashion, decor, and now money. Recently they posted a new 30-day challenge to their site focused on budgeting for the holidays. What a perfect opportunity for me to get motivated and inspired to tackle my finances! For the next 30 days I will be focused on getting ahead on my finances and creating a budget that allows me to save and enjoy my money. Each week I will be sharing some tips that are helpful to me and hopefully inspire you! Here are some of my saving solutions for this week:
I am (and forever will be) a Starbucks snob. While I am not ashamed of this, my wallet sure is. The issue is I cannot seem to find another coffee to compare. So, in lieu of getting my grande hazelnut blonde roast everyday, I have cut down on visiting my favorite baristas and started drinking green tea or downing a protein drink in the morning.
Say hello to software that allows you to see what money you have, where it’s going, and where it will be in the future. Someone recently recommended You Need a Budget to me and so far, I am loving it. This is the first time (in a long time) that I have been diligent in recording all of my finances and it’s been almost shocking to see where all my money is going versus where it could be going.
I’d love to hear your favorite budget-friendly tips so leave some in the comment section below!
Photo Credits: LaughLovePhoto; Edits to title photo by RachelInFlightPin It