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Home » Recipes » Planning Organization

How To Stick To A Budget

March 15, 2019 by Raquel 5 Comments

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Making a budget is only the first step to responsible finances. Next, you have to actually stick to it and for some people, this is the difficult part. Many people understand how to create a budget, but living with it day to day can be hard. Your budget should be a reflection of your life. It can be very empowering to feel in control of your life in all areas, including financially, but some people need a little extra help being able to stick to it, especially a new budget before it becomes habit. So here are five easy ways to stick to your budget.

Money Budget

 

5 Easy Ways to Stick to Your Budget

Be realistic. The first step is to be real with yourself. When you set unrealistic goals, problems arise when you can’t reach those goals. So be realistic with your facts and figures in the budget. It is certainly OK to update your budget to reflect something you actually can achieve. Just remember if you have set goals to increase savings, you will need to incorporate ways to spend less money.

money-saving-tips-for-spring

Plan your meals. Food is one thing that a lot of people blow their budgets over. Eating out, getting fast food, or just not watching their supermarket budget makes it really easy to overspend on food. So use a plan for your meals and adjust it to your budget. This was one of the biggest budget savers for me was developing a meal plan every week that took prices into consideration. Every Friday I publish a meal plan for the following week.

Leave the credit cards at home. Studies have shown people spend more when they use plastic. Carry cash and just enough for the things you are going for and you won’t be tempted to spend more at the store. Debit cards with an overdraft protection are basically the same thing, so be careful.

Track your spending. You can’t know if you’re staying within your budget if you’re not keeping track of what you spend. Keep receipts and do a log of your spending so you can see what is going out vs. what is coming in. Check your spending habits at least once a quarter, and see where you can make some viable changes.

Create a spending plan. What can you spend? On what? When? You get to set the ground rules for yourself but without a plan, you’re just winging it and that leaves too much room for error.

With these five ways to stick to your budget, you can take control of your finances and your life. You can see that it can actually feel pretty good to be on a budget. 

Check out my tips for starting a budget, saving money and developing a meal plan for more helpful ideas.

simple-planning-for-future

More Household Budget Articles: 

Money Saving Tips for Spring

How To Spend Less Money

Why You Should Be Tracking Expenses

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About Raquel

Southern California mom who blogs about time-saving recipes, entertaining, craft, party ideas and travel. Life is about making the most of your time - don't waste it.

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Comments

  1. Tamara

    March 01, 2017 at 8:54 am

    We so need this - now that we're about to do home renovations.. It's never been my strongpoint but Cassidy is pretty good about sticking to them!

    Reply
    • Raquel

      March 01, 2017 at 10:58 am

      Glad to hear! I know our recent renovations have been expensive. Good luck on the reno!

      Reply
  2. Nicole

    March 08, 2017 at 9:33 am

    Great tips!! I definitely need to stick to our budget better!!

    Reply
    • Raquel

      March 09, 2017 at 1:48 pm

      Thanks Nicole!

      Reply

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Hi, I'm Raquel! I am a self-proclaimed foodie and have enjoyed cooking and baking since I was little. I loved baking cookies with my mother and grandma as a child, and later making dinners for my parents to foster my passion while in high school. I also had a passion for organizing and keeping things tidy.

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