Not a regular budgeter? Need a way to make budgeting easier? To be honest, whenever you have a big life change, start your first budget, or have a decrease in income it does take time to reconfigure your budget. It takes about 3 – 4 months to get comfortable, and that is okay! Yes, it is okay! I have been budgeting since I was in college when taking the Dave Ramsey class. Truthfully, it was the hardest to adjust when my husband and I got married, but it does get easier when you both know your why and you are on the same page.
If you write down your why it will make your budgeting easier month to month.
My personal reason why I budget is for God to manage his money the way he wants me to while we are here. He has chosen us!
Here is one bible verse that talks about money and it is a great eye opener on why we should make a budget. “Suppose one of you wants to build a tower. Won’t you first sit down and estimate the cost to see if you have enough money to complete it? For if you lay the foundation and are not able to finish it, everyone who sees it will ridicule you, sayings, ‘This person began to build and wasn’t able to finish.'” Luke 14: 28 – 30.
Download your bank app
Knowing how much money you have in your bank account anywhere you need to by downloading your bank app. I used to have a friend who said she never looked at her bank account. She was nervous to look at it because she did not know if it would be good to look at. Let me tell you, please know how much money you have. You do not have to be obsessed, but you need to know to not pay fees. Hello…saving money!! Do not fear your bank account and if you are, pray for your finances and for God to give you wisdom to handle your finances.
Automate your bills and savings. Each month you do not have to worry about these two categories! Your bills then can be managed by just viewing on a calendar. Subscribe to receive your free calendar. Then for your savings, you can adjust your savings each month by adding to them easily. I am person who loves to save usually I’ll add to savings right at the beginning of the month so I don’t spend it at starbucks or on clothes.
Ultimate Bullet Budget Journal
Buy the bullet budget journal. It allows for an easy month to month budget, because you can just copy and paste from month to month for your normal categories and add in your miscellaneous categories like St. Patties Day, taxes, annual insurance, or school day clothes.
Find a trend
Tracking your monthly expenses month to month in one place. You can do this with the bullet budget journal yearly over view. We are here to help you! We believe in you and know you can change your ways. I have helped so many and want to help you too! Reach out to us.
Write down your yearly expensives
The bullet budget journal will allow you to look back in the years to see what your yearly expenses are and now you won’t forget about them! I hate when I am budgeting and we have an eye appointment that we didn’t budget for. (This happened for us just last month! Yes, we make mistakes too.) $400 expense that was not in the budget, but that is because our annual eye appointment are usually in January but with the due date of the baby in January we pushed it back.
Products we recommend to make budgeting also easier that is free is mint.com. We love using this product on top of the bullet budget journal because it’s an easy snapshot for each week. It sends an update of your weekly spending each week! Isn’t that cool, so when your in a hurry. Rushing around to get to practice, work, or on a date night you can take a quick glace on your app.
Being able to find your why and remember it daily, downloading an app, automate your bills and savings, use the bullet budget journal, find a trend, and write down your yearly expenses will help make budgeting easier.
God is here for you and if you’ve stumbled across our page its problably for a reason. God had shown you our page for us to help you.
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Whether it is tiny living with a baby, budgeting to learn to save more/paying off debt, living your best life, and enjoying what God created us for! Life is just beginning!
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Make your budget easier by downloading the free budget calendar.