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  • BUDGETING
        • Categories

        • Budgeting Basics
        • Budget Guides
        • Budget Tips
        • Budget Recaps & Overviews
        • We live in a society that emphasizes spending and budgeting based on income, but what if this isn’t the best mindset to truly build wealth?

          A Closer Look at Spending Based on Income Rather Than Net Worth

          Living on a budget can be as challenging as sticking to a diet or committing to a workout routine. Here are tips to avoid burnout so you can achieve your goals!

          How to Avoid Budget Burnout: 5 Tips to Stay the Course

          When creating a budget, most of us focus on tracking our expenses, but tracking your income is just as important. This includes knowing your starting balance.

          What is Your Starting Balance & Why Does It Matter for Your Budget?

  • SAVE MORE
        • Categories

        • Cut Expenses
        • Extra Income
        • Saving Tips
        • The true cost of a speeding ticket depends on your location, how fast you were driving, and any previous violations. Learn how much you can expect to pay after receiving a speeding ticket.

          Explained: The Surprising True Cost of a Speeding Ticket

          If you’re looking for ways to save, buying second-hand items might be a good idea. These 17 things are better to buy used instead of new.

          17 Things That Are Better to Buy Used Instead of New

          If you need to earn fast cash, selling household items online is the easiest way to do it. Here are 20 things in your home that you can sell right now.

          Need Cash Fast? 20 Things In Your Home You Can Sell Right Now

  • FRUGAL LIVING
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        • Food & Drink
        • Frugal Living 101
        • Household Tips
        • Holidays & Occasions
        • Kids & Money
        • Many people consider going to grad school but wonder if it’s worth the financial investment. Here are five questions you should ask yourself before committing to grad school.

          Should I Go to Grad School? 5 Things to Consider First

          It’s not too early to start helping your child build their financial future. If you want to help your child start investing, here are the steps you’ll take to get started.

          How Can My Child Start Investing?

          For many people, the holidays are a stressful and expensive time of year. Learn how to host a holiday dinner without blowing your budget this year.

          7 Steps to Hosting a Holiday Dinner on a Budget

  • DEBT & CREDIT
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        • Debt Basics
        • Get Out of Debt
        • Loans, Etc.
        • No matter how they attempt to get in touch with you, dealing with debt collectors can cause stress, but you still need to deal with them. Here’s how.

          How to Deal with Debt in Collections

          It’s easy to swipe a credit card, but paying it off is an entirely different story. Here’s what you need to know about the true cost of buying on credit.

          Revealed: The Ugly Cost of Buying on Credit

          Should You Buy Your Leased Car?

  • FINANCE 101
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        • Financial Planning
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        • When it comes to financial boundaries, the consequences of “crossing the line” aren’t as obvious. Adjusting your financial mindset can change everything.

          The Financial Boundaries Mindset that Will Change Your Life

          Many people get pet insurance insurance so they won’t get stuck paying thousands of dollars for an unexpected vet bill. But is pet insurance really worth it?

          Is Pet Insurance Worth It? Here’s What You Need to Know

          Taking the leap into homeownership is a daunting task, but knowing what to look for can help protect you in the long-run. Here are some tips to consider!

          What to Look for When Buying Your First House

Browse articles
  • BUDGETING
  • DEBT & CREDIT
  • FINANCE 101
  • FRUGAL LIVING
  • SAVE MORE
How to Deal with Debt in Collections
How to Deal with Debt in Collections Read more
No matter how they attempt to get in touch with you, dealing with debt collectors can cause stress, but you still need to deal with them. Here’s how.
The Financial Boundaries Mindset that Will Change Your Life
The Financial Boundaries Mindset that Will Change Your Life Read more
When it comes to financial boundaries, the consequences of “crossing the line” aren’t as obvious. Adjusting your financial mindset can change everything.
Is Pet Insurance Worth It? Here’s What You Need to Know
Is Pet Insurance Worth It? Here’s What You Need to Know Read more
Many people get pet insurance insurance so they won’t get stuck paying thousands of dollars for an unexpected vet bill. But is pet insurance really worth it?
A Closer Look at Spending Based on Income Rather Than Net Worth
A Closer Look at Spending Based on Income Rather Than Net Worth Read more
We live in a society that emphasizes spending and budgeting based on income, but what if this isn’t the best mindset to truly build wealth?
What to Look for When Buying Your First House
What to Look for When Buying Your First House Read more
Taking the leap into homeownership is a daunting task, but knowing what to look for can help protect you in the long-run. Here are some tips to consider!
“Do I Have Enough” Is A Horrible Mask
“Do I Have Enough” Is A Horrible Mask Read more
Whether it’s saving for retirement or taking an inventory of our wardrobe, most of us ask, “Do I have enough?” It’s time we re-think this financial mentality.
How Much Should I Save for My Child’s College Education?
How Much Should I Save for My Child’s College Education? Read more
It’s no secret that the cost of college is continuing to rise. So how much should families save for higher education? Let’s do a deep dive.
Should I Go to Grad School? 5 Things to Consider First
Should I Go to Grad School? 5 Things to Consider First Read more
Many people consider going to grad school but wonder if it’s worth the financial investment. Here are five questions you should ask yourself before committing to grad school.
The ONLY 3 Reasons to Touch Your Investments
The ONLY 3 Reasons to Touch Your Investments Read more
It might be tempting to withdraw investments, especially during times of economic uncertainty. However, most people should avoid touching their investments.
Explained: The Surprising True Cost of a Speeding Ticket
Explained: The Surprising True Cost of a Speeding Ticket Read more
The true cost of a speeding ticket depends on your location, how fast you were driving, and any previous violations. Learn how much you can expect to pay after receiving a speeding ticket.
How to Avoid Budget Burnout: 5 Tips to Stay the Course
How to Avoid Budget Burnout: 5 Tips to Stay the Course Read more
Living on a budget can be as challenging as sticking to a diet or committing to a workout routine. Here are tips to avoid burnout so you can achieve your goals!
17 Things That Are Better to Buy Used Instead of New
17 Things That Are Better to Buy Used Instead of New Read more
If you’re looking for ways to save, buying second-hand items might be a good idea. These 17 things are better to buy used instead of new.
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thebudgetmom
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Who here is already planning for May? 🙋‍♀️

I finished my May budget calendar and I'm about to move on to the next step of creating my May budget for my paycheck on May 1st.

Here are some holidays or events to plan for in May, and no, Beer Pong Day is not included (yes, it's a thing and is celebrated on May 1st).😂

May 5th - Cinco de Mayo
May 9th - Mother's Day
Tax Day - May 17th
Memorial Day - May 31st

I also have my sister's birthday and a short trip planned to New York to shoot the cover of my new book🤩

I do not have sinking funds for Mother's Day or my sister's birthday, so I will be cashflowing those expenses next month. That just means I'm going to decrease spending in other areas of my budget so I can use income of my May paycheck to cover those expenses. I'm doing a $50 budget for both of those events.

What other activities are you including in your May calendar to include in your budget?

P.S. I will be celebrating National Have a Coke Day on May 8th, and National Macaroon Day on May 31st, where I'm going to attempt to bake my first batch of Macaroons.
Open
What other budgeting terms would you add to the list?

Let me know in the comments 👇
Open
Rules of the game: if you choose a card you have to follow through. 

Let me know what card you pick in the comments down below!

P.S. Need help completing your task? Make sure to check out my YouTube channel for helpful videos!
Open
New week, fresh start!

I'm here to remind you that it's okay to start over if you need to.

This time, you're starting with more knowledge ❤

Start with getting back into the routine of tracking your spending. Take some time to assess where you are with your bills and checking account. One step at a time.

Who here is excited about a brand new week? 🙋‍♀️
Open
You will always need reminders.

Sometimes the busyness of day-to-day life makes us feel like we are running in circles, not actually sprinting towards the finish line.

HOW DO YOU STAY MOTIVATED AND DEDICATED DURING YOUR FINANCIAL JOURNEY?

You find a purpose, a reason "WHY" you want to grow, learn, and succeed with your money.

And then you FEEL it. You VISUALIZE it.

When you can connect your emotions to a purpose, you have your WHY.

It should be something so important to you, you get emotional talking about it. It's when you get to a place where giving up isn't an option if it means sacrificing your WHY.

And then you remind yourself of that EVERY. SINGLE. DAY.

A lot of people assume my son is my WHY. His face is my reminder. But my real WHY is being able to live a life with my son, and seize opportunities without relying on debt. My WHY is a way of living.

You have to ask yourself why. And then why again. Here's an example on how you can dig deeper to discover your WHY.

I want to be able to go on vacation more. Okay, but why? So I can finally just relax. Okay, but why. So I can find some peace and not have to think about work? Okay, why?

Initially the statement, "I want to be able to go on vacation more." was the why. But when you dig deeper, it's really so you can find the freedom to work less.

Think about your purpose and reason for being on this financially journey, and then ask yourself WHY.

Anyone else keep reminders in their wallet?🙋‍♀️
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