2017/04/05

HOW TO STICK TO THE BUDGET?

As you might remember from a couple of months (or was it weeks?) back, I told you how we're budgeting our monthly groceries now when there's three of us and the most importantly, lower income when there's only one of us working. Everything has been going on so great and we've actually managed to stick to the budget. How? 


BE DETERMINED

Sticking to a budget takes a huge level of commitment. You know you plan your budget and then there's the part when you actually need to stick to it. So when you plan, be determined that that's the way you're going to spend your year/month/how long you intend to keep to the budget. 

SET GOALS

Setting goals are motivating. For us, it's going out for dinner. Simple things like that. Something we're given up to, but something that's not too expensive to fulfil. If it helps, add a picture of your goal next to the budget and sticking to it feels so much easier when you know why you're sticking to the budget.

USING CASH

We're using cash for sticking to our budget with groceries. I know right, nobody withdraws cash anymore these days - well, we do. We withdraw the amount from our weekly budget so there won't be any hesitations to buy anything else than necessary - because there's no money to do so. Paying with the card, when you can't visually see the money, it might make you feel okay to spend "a little more" this week. 

Have you ever been living on the budget? How did you stick to it?  


39 comments:

  1. Thanks for this, I've just graduated from college and am in that weird limbo where I'm trying to figure out what to do next. And money has never been my strong suite--you made an excellent point about the downside to using a card to pay! Never thought of that but it makes sense!
    stephanieC

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    1. Haha, it's easier (at least for me) to control money using when I'm able to actually see how much money there's left :D

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  2. Thanks for these tips! I'm always deciding to be more careful with money and make a budget and also stick with it. Now when it's written here it makes more sense.

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    1. Hah, happy to hear that you enjoyed the post :-)

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  3. Not yet, but in a few months I will have put all my pleasure aside and focus on surviving. I actually can't imagine how I will do. But thank you for the tips.

    Michelle Morchella

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    1. I'm glad to hear that you enjoyed this! I hope there was a few things that were helpful in your life change :-)

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  4. These are such good tips! Budget can be a tricky thing, good that you are staying on top of it

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    1. Oh it sure can be, but then again - it's not if you won't make it one ;)

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  5. Some great tips! I also find shopping around to get the best deals on the weekly shop helps!

    www.emma-jayne.co.uk

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    1. Yeah! Searching for good deals saves a lot of money also :-)

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  6. Great tips. I don't really have a budget honestly. But I'm not a big spender in general. We are both satisfied with the financial situation. Very good strategy from your side!

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    1. Hahah, we're spending mostly on food. Impulse purchases at the grocery stores - holy fuck honestly :D

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  7. Well done for sticking to your plan and budget! Budgeting and saving towards travel is one of my favourites things to do :)

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    1. Yeah, traveling is worth saving for haha :-)

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  8. Doing a budget is a must. Using cash can be handy for saving but you must go to ATM to get some (and as I'm super lazy sometimes that would be impossible for me haha) and also you'll lose upsides of using a credit card. For example my cards offers points from every penny spent, also it offers and insurance for every product we pay - and also for us if we're traveling. :) Good post with some great tips though, thanks for sharing!

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    1. Yeah, we'll we're only getting cash for food & we have our bonus cards for cash haha. If we're traveling we use amex to buy tickets - we'll have full travel insurance for everyone whose tickets are bought with it. :D I'm happy to hear that you enjoyed the post :-)

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  9. That's exactly what I do ;)
    great tips though!
    xx

    Eli

    www.acurlystyle.blogspot.com

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    1. Happy to hear that you enjoyed the post anyways :-)

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  10. Yeah I guess it's the same like when you go on holiday and you budget your foreign currency! You can do it if you put your mind to it. Glad you're still treating yourself with dinner out now and again! Ree love30

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    1. Haah! Actually it is! That's a good point, Ree. :-)

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  11. I agree. Staying on budget is very tough and takes a serious effort but if you are able to stick to budget, it just makes everything easy :)

    xoxoxo
    www.prernashighonchai.com

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  12. A budget is something that I really struggle with but I do think that using cash is a good way to try & stick to within your means as you are less likely to fill your trolley with things if you just have a limited amount of cash on you.

    The Life of Dee

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  13. Good tips! I need to try that cash thing. I always use my card and it's so easy to buy random stuff with it. If I had only cash with me, I hopefully would't do that.

    Heidi | Heidi's Planner

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    1. Haha, just hit to the closest Otto & you'll get some ;)

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    2. That's actually true. I sometimes buy too random stuff that I don't need, just because I use my credit card :)

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  14. I always fail to stick to the budget, but following this tips i may make it xo

    www.theninebyivana.blogspot.com

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    1. Hahah, I'm happy that you enjoyed the post :-)

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  15. I'm taking notes! I'm not good at balancing budget! Thanks! :)

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    1. Haha, I'm happy to hear that this was useful to you :-)

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  16. I have heard that paying for everything in cash is a good way to go, not that I have been very successful at it. I have some bills that are automatic withdrawals and it just screws me up when accounting for them and the cash that I want.

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    1. Yeah well, I'm using web bank to pay all the bills so my cash withdrawals don't affect on those :D

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  17. I should really get myself a limited amount of cash. Sounds like a great idea!

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    1. Especially if you're one of us who likes to do impulse purchases :D

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  18. This is so smart! I definitely need to set up a grocery budget. We're the worst about that.

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    1. We were too, now we've gotten ourselves back in order hahah :D

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  19. This is actually really interesting, I love it when people write unusual blog posts like this! x

    adelelydia.blogspot.com

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  20. Helpful pointers....I always try not to exceed my spending limit unless I consciously decide to

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