I need help spending my winnings

Added: Sharif Rosas - Date: 02.08.2021 19:05 - Views: 43898 - Clicks: 5157

It's our Summer Black Friday! Unfortunately, the word budget has gotten a bad rap. When it all boils down, a budget is just a plan for your money. Unfortunately, many people view a budget as a straitjacket that will keep them from doing what they want. A budget is going to give you an action plan and clear picture of where your money is ending up each month.

When you see planning a budget as simply spending your money intentionally, you can actually find more freedom to spend! Many people even say they find "extra" money after they create a realistic budget and stick with it. How amazing is that?

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It just means your income minus all your expenses equals zero. Make it fun! Grab some of your favorite snacks and put on a good playlist to help you focus. You need to get on the same with money, so set goals together and dream about what the future will look like. Remember: If the two of you are one, your bank s should be one too! Regardless of the occasion, make sure you prepare for those expenses in the budget. Hint: Christmas is in December again this year, guys! Be sure to adjust your budget each month as things change.

Make a savings fund you can stash cash in throughout the year. And that takes all the fun out of giving and celebrating. No one wants that! Giving and saving are at the top of the list, and then comes the Four Walls: food, utilities, shelter and transportation. Once your true necessities are taken care of, you can fill in the rest of the in your budget.

If you have debt, paying it off needs to be a top priority. Use the debt snowball method and the 7 Baby Steps to get rid of debt as fast as you can.

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Attack it! Get mad at it! Stop letting debt rob you of the very thing that helps you win with money—your income.

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Brace yourself! It might be time for some budget cuts in your life. If things are tight right now, you can save money quickly by canceling your cable, dining out less, and shopping at discount clothing and grocery stores.

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Remember, your budget cuts are only temporary. You can always make adjustments later on. You could set up auto drafts out of your checking to pay your bills. Or you could buy your groceries on a set day every week or twice a month.

When you know what to expect and when to expect it, you take a lot of stress and potential problems out of the picture. Put a small amount of money aside for unexpected expenses throughout the month. Label this as your miscellaneous category in your budget. Keep track of expenses that frequently end up in this category. Eventually, you might even want to promote them to a permanent spot in your budget.

Stop using them! Cut them up, shred them, or even make a craft project out of them! Whatever you do, get them out of your life. Having no credit card debt will mean no more minimum payments to add to the budget, zero hassle with fees or high interest rates, and much less stress and worry.

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Stick to using your debit card and even cash! You know what the great thing about a debit card is? The money comes straight out of your bank ! Once the cash runs out, stop spending! You can focus on planning a budget and tracking your spending from the comfort of your smartphone! Plus, you can sync up your budget with your spouse, which is great for keeping that communication open.

You have much more than you realize. Comparison will not only rob you of your joy but also your paycheck. It usually takes three to four months to get a handle on this whole budgeting thing. Good news, guys.

You can budget with an inconsistent or irregular income. A good rule of thumb is to budget based on what a low-earning month would look like for you. This will be your budgeting income. Using this method will not only make your budget work for you, but it will show you exactly where your money is going. That means your goal for this step of your money journey is to save, save, save! I created a budgeting guide specifically for you here. Rachel Cruze is a two-time 1 national bestselling author, financial expert and host of The Rachel Cruze Show. SinceRachel has served at Ramsey Solutions, where she teaches people how to avoid debt, save money, budget and win with money at any stage in life.

Learn More. Guided Plans.

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Trusted Pros. Free Tools. How Can Budgeting Help Me? Here are the top 15 budgeting tips! Budget to zero before the month begins. About the author Rachel Cruze. More Articles From Rachel. Answer a few questions, and we'll create a plan tailored just for you. It only takes three minutes! Ever wonder where all your money goes? We can fix that. A budget gives you a plan for your money—so you can stop stressing and start making progress toward what matters to you.

I need help spending my winnings

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