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The Only 2 Budgeting Tips You’ll Ever Need!

The Only 2 Budgeting Tips You’ll Ever Need!

By
Sarah Pichardo

Adulting sucks. You wake up, go to work, go home, sleep, eat and repeat. And then that glorious day comes where you get paid and you’re all like, “hallelujah, I’m about to make it rain.” Only to have the rug pulled from under you by those things called bills. And do you know why? Because 5-10-15-20 years ago you were sitting in your parent’s house thinking, one day I’m going to be my own boss, make my own rules and do whatever I want. Yeah. Congratulations. You got what you wished for. You’re an adult and there’s no turning back no matter how hard you try.

But it’s ok. Cause you’re a pretty fantastic adult. You go to work and maybe even have a family that you love and are nice to. You do a good deed every now and again, you give some money to charity and you call your mom once a week (BTW – did you call your mom this week? Get on it. She’s probably worried sick about you; it doesn’t matter that you’re 30 or 50 for that matter. Remember, family first.) Where was I? Oh yeah – you’re pretty good at this adulting thing.

And now, you’re thinking to yourself, It’s New Years. It’s that time of year where I’m going to make changes. Good changes. Changes that will make me a better person. And you wrote those down. You made some amazing resolutions. Didn’t you? Resolutions that you’re going to stick to…for real this time. And of course on top of that list is…(drum roll please)… making a budget and sticking to it. Because on top of being an amazing adult, you’re also a responsible adult. Bam! Plus, like your abuelita always said “a pobre viene, quien gasta más de lo que tiene.” (You’ll end up poor if you spend more than you have. Except it rhymes in Spanish and sounds way wiser and abuelita-like.)

media-AbuelitaQuote-tips-for-sticking-to-budget

Anyway, enough about your grandma. So, what are those two budgeting tips? Brace yourselves; they’re life-changing…

media-Steps-tips-for-sticking-to-budget

Step 1: Make a Budget

Step 2: Stick to It!

Tada. So easy. We’re done here.

Seriously. Why do we need to make adulting so hard on ourselves? Life is hard enough. But fine. If you want more on how to make a budget, or on how to save money, check out this blog and use this budget sheet. Otherwise just follow the budgeting tips I so generously gave you. They totally work.

Like I said, easy peasy. Tell your abuelita I said hi and “bendición”.

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Sarah Pichardo is the Creative Director at Family Bridges. When she’s not obsessing over pixels, designs and scripts – or brainstorming plans to take over the world – she’s probably reading a book or overdoing it with the Christmas decorations.

Follow her on…

Twitter: @sarahp726

LinkedIn: https://www.linkedin.com/in/sarahp726/

 

For more resources on budgeting and relationship building, you can follow Family Bridges on social media @familybridges.

Where Did all the Money Go? Making a Budget

Where Did all the Money Go? Making a Budget

By
Eva Fleming

A budget is just a plan for your money. But as simple as this definition might be, the actual task of creating a budget might be daunting for some, yet necessary if we want to be able to go on vacation, pay off our debts or save for retirement.

When I don’t keep track of something as simple as my grocery bill, my budget is shot, and life unravels!  I don’t know what it is about that section of gourmet cheeses in the grocery store that makes me lose all common sense and run up my bill mercilessly.

So, before you put pen to paper to start jotting down your income vs. expenses and making your budget plan for the year or the month, ask yourself: What is your motivation to spend less than you make? Why are you putting yourself through this rigorous exercise of self-control? Once you understand your reasons, walk in your mind to the end of the road called Budgeting and imagine where you have ended up. Then ask yourself, “how does having a few extra dollars in my savings account feel like because I stuck to my budget?” If you like the thought of freedom, then commit to make a budget and stick to it.

If you are a not a saver by nature, budgeting will not be easy for you. Those of us who like nice things and the comforts life has to offer can hardly be blamed when we run out and get the things we want or upgrade everything we have every opportunity we get. After all, we are living in a society that is continually pushing their wares on us. “What can I say? I like shoes. What is a girl to do if TJ Max has a sale on shoes?”  But just like an alcoholic take it one day at a time, you too need to take it one day at a time when living on a budget. Don’t go shopping unless you need to. Don’t spend that extra money on another pair of shoes unless you have accounted for it in your budget. Find something fulfilling and productive to do instead of shopping or overspending money on leisure.

In my journey to budgeting, my husband and I have had to give up cable TV. That was hard because I really like Outlander and Better Call Saul. But I don’t think that ten years from now those shows are going to make a difference in my life, so we’ve sacrificed and found something more productive with which to fill our time. I have taken up running and volunteering at my kids’ school.  I can testify that both activities are more satisfying than any show cable TV has to offer. Our family is much more united than ever. And because we’re not looking at the TV, but rather at each other, my spouse and I have rekindled the spark in our marriage.

There are many budgeting tools on the Internet you can get to help you. Your bank also most likely has a budgeting feature they offer to you for free. Family Bridges teaches workshops that can help you budget wisely.

But before you download your favorite budgeting tool, think about your long-term goals, then write down your weaknesses and account for each of them in your plans. And finally, make your budget and put it on a visible spot in the house where all can see it.

A detailed plan for your income and expenses in a given period is right to have.  Here’s a budget sheet you can use. Don’t be scared to tell your money where to go. You got this!


For more resources on budgeting and relationship building, you can follow Family Bridges on social media @familybridges.