A few weeks ago I was watching a family YouTube channel. The video was all about what the couple got their kids for Christmas. It was a fun video and the family is just precious. I don't know why but I found myself reading the comments. I never do this because let's be honest the comments section is where discourse goes to die. (Except here. You guys are wonderful!)
The comments that kept popping up were "look at how much money you're wasting" or "your children are so spoiled."
Are you looking to turn the money ship around in 2017? Who isn't? Even budgeting pros need to develop good habits sometimes. So let's talk about six money habits you can develop now.
Each week I get countless Facebook or YouTube comments (and even emails) from people who say the same thing: "I try to budget but I just can't seem to stick to it."
I totally understand that. Like I said last week, no one is perfect at budgeting all the time. However, in my personal budget failure experiences, there seem to be a few things that pop up over and over again in failed budgets.
Last week I wrote a blog post called "7 Things You Probably Forgot to Budget." I laid out, well, seven things you probably forgot to budget (hence the title).
Little did I know when I wrote that post I was being a big 'ole hypocrite. Let me fill you in...
Has this ever happened to you? You sit down and make your budget. It's perfect. It's gleaming. Every penny is accounted for and then your kid gets sick, you realize you need to change your oil and your third-grader got invited to two birthday parties. Yup. Been there. (Only my child is five.)
Today I wanted to talk about 7 things you probably forgot to budget. Because we all do this at some point.
I enjoy saving money. As a reformed (ahem... reforming??) spender I get a little thrill when I get a good deal, cut down on a bill or end up spending less than I budgeted.
But I have had to caution myself and work to really save money. It's one thing to pay less than retail or cut back on your expenses. It's another thing entirely to ACTUALLY save that money. And by save, I mean move to your savings account for a rainy day or applying toward a goal or debt.
When I first found out I was pregnant with my oldest son I heard a lot of comments like "sleep while you can" or "it's going to go by so fast" or "be prepared to have no money."
And while it is true that babyhood goes by in the blink of an eye and that sleep is a commodity more precious than coffee or chocolate, the last one I have to disagree with.
“I can’t do this anymore, I feel like I am running but not getting anywhere and I want to quit.” That’s what the message I got on Facebook read.
It wasn’t the first time I have gotten a comment or email from someone who was just at the end of their financial rope. I get hundreds of messages and comments each week from women who are frustrated, exhausted and they just want to give up.
My husband travels a lot for work. While it's not a convenient way to live, my husband's job has afforded me the opportunity to be at home with our small children.
However, I'm not going to sugar coat; it having one spouse that travels can wreak havoc on your finances if there isn't clear communication about your budget and financial goals.
Here are a few tips for making budgeting a little easier when one spouse is traveling.
Goals are important. Without them, it's really hard to anchor our time.
When we make a to-do list, that's a goal. When we set out to lose weight with a number in mind, that's a goal.
Why not deal with finance the same way?
Jason and I are currently working on some big savings goals. We decided in February of this year on a specific number we needed in our savings account and estimated how long it would take us to get there.
We've made great progress. But we've also had some setbacks.
It's been nine months since we closed on our house (woo!). It's been an incredible nine months living in a home that we own, that we wanted and that we worked hard for.
Since today is Money Monday, the day where I answer real money questions from real people on my YouTube channel I thought i would share a question from a viewer.
"Can you talk about saving up for a house on one income?"
Sweet and to the point, right? Here are a few things that we did and that worked for us. Remember, I am not a financial expert, just a woman who likes to save money.
While making more cost-effective choices will lead to BIG savings, there are also little things you can start doing today that will yield big savings results without big sacrifices. (Although I think we can argue that giving up a satellite dish probably isn't that big of a sacrifice, right?)
Today I wanted to share a few things you can to THIS WEEK to start saving money.
It is no secret that I am not an organized person. Sigh. This is something I am working on, but it is difficult for me. But I have other good qualities...
But, one way I have gotten myself more organized is to plan my family's weekly menu. At our house we have my husband, me and our two sons who eat smaller portions of the same foods we do. Some days they eat way more than other days.
I know as a nation our belts are as tight as they can get. Many of you have eliminated luxuries like cable, cell phone plan extras, date nights and movie rentals. If you budget down to the penny and the last penny gets stretched till Abe starts screaming, you're not alone.
So, I wanted to talk about menu planning when you're on a tight, tight, tight budget. Trust me this will save you tons of time and TONS of money.
This has really helped motivate us as we work toward some future savings goals.
It's also been a reminder that saving money can be a habit and not a chore. It has become almost second nature to us and while we're not always perfect at it I am proud of the progress we have made.
Have you ever had a lot of life happen to you all at once? That's how our summer felt. One Tuesday afternoon I watched out our front window as a storm blew large chunks of our shingles off our house.
On Wednesday, we saw the telltale signs of a leak blooming on our son's bedroom ceiling. On Friday, the AC went out. I am not even joking. Then I got a flat tire.
Nope. I don't make my own laundry detergent. Or my own bread. Every now and then I might make my own tortillas because they taste amazing, not because they save me money.
Here is my opinion. Sometimes things save you a lot of money, but that doesn't mean that provide you a good value.
I love Amazon. I love any place where I can do the bulk of my shopping and not have to interact with people or put on pants.
But beyond that, I love the savings. I have learned a few "tricks" that have helped my save even more money on Amazon and I thought I would share them today.