I read an article in the Roanoke Times awhile back titled, "Will it make my life better?" It was about a man who asked himself that question before buying anything, and as a result he is debt free, happy, and has his life to enjoy without stressing about money. Our greatest problem isn't that we don't have enough money, but that we have too many wants. We're spoiled. When we learn to live with the basics and not want for everything we see our lives will improve greatly. I've tried to start asking myself this question all the time before I buy things, because usually the answer is no.
I've been working on a budget (for myself and Jonathan) to start the new year. A budget that is realistic, accurate, and easy to follow. One of my biggest hobbies is listing. I love to make lists. So for our budget I made a monthly budget, as well as one we can follow weekly. Since I work for tips, having a way to track my money daily is very important. I've also been researching some tips to help me on my way to financial freedom, here's the top ten tips I've found.
1. Make a budget monthly and stick to it.
2 Budget together, so you're both part of the team.
3. Have a weekly budget meeting to make sure everything is on track and make adjustments when needed.
4. Set goals! Both short term and long term.
5. Create an emergency fund- then don't touch it!
6. Celebrate one "no spend weekend" a month.
7. Have a meal plan. That's a big one for us.
8. Have snacks and drinks to take out with you.
9. Eat less meat.
10. Quit eating out. This is a resolution in itself. Our goal is to keep it to twice a month.
If anyone else has any tips to share I'd love to hear them.
I've been working on a budget (for myself and Jonathan) to start the new year. A budget that is realistic, accurate, and easy to follow. One of my biggest hobbies is listing. I love to make lists. So for our budget I made a monthly budget, as well as one we can follow weekly. Since I work for tips, having a way to track my money daily is very important. I've also been researching some tips to help me on my way to financial freedom, here's the top ten tips I've found.
1. Make a budget monthly and stick to it.
2 Budget together, so you're both part of the team.
3. Have a weekly budget meeting to make sure everything is on track and make adjustments when needed.
4. Set goals! Both short term and long term.
5. Create an emergency fund- then don't touch it!
6. Celebrate one "no spend weekend" a month.
7. Have a meal plan. That's a big one for us.
8. Have snacks and drinks to take out with you.
9. Eat less meat.
10. Quit eating out. This is a resolution in itself. Our goal is to keep it to twice a month.
If anyone else has any tips to share I'd love to hear them.
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