How to stick to a small BUDGET - Budgeting tips + tricks
ฝัง
- เผยแพร่เมื่อ 2 ส.ค. 2024
- Are you having a difficult time being able to stick to your tight budget? Maybe you're struggling to make ends meet or you're trying to squeeze every last dime out of your budget to pay off debt? Here are 5 tips (plus a bonus or two) to help you stick to your small budget without going crazy! Don't forget to grab all the free printables in my resource library - centsandpurpose.com/freebies
♡ Thank you for watching...please subscribe and join my YT family ♡
SUBSCRIBE -- bit.ly/2JwH8aj
#budgeting #sticktoabudget #budgetingtips
⭐️GROCERY CLICKER - amzn.to/2xIXoOm
⭐️MY BUDGETING PRODUCTS - centsandpurpose.com/shop
⭐️FRUGAL AMAZON FAVS - amazon.com/shop/kristinstones
____________________________________________
** // OTHER VIDEOS TO WATCH // **
BUDGET SPREADSHEET -- • BUDGET WITH ME - March...
CASH ENVELOPES -- • Stuffing my CASH envel...
BEST KETO COFFEE -- • How to Make a Latte At...
BUDGET BINDER SETUP -- • Budget Binder Setup / ...
PRACTICAL TAX TIPS -- • How to prepare for a s...
50 FRUGAL LIVING TIPS -- • How to MEAL PLAN // Me...
____________________________________________
** // THINGS I LOVE ON OUR DEBT-FREE JOURNEY // **
‣ cash clips with flags -- amzn.to/2I9uiLu
‣ the course that changed our lives -- amzn.to/2KLf3do
‣ cash envelope wallet -- centsandpurpose.com/cash-enve...
_____________________________________________
** // GET HELP BUDGETING // **
‣ Sign up for my FREE 5-day Begin to Budget email course -- bit.ly/3umcXr2
‣ Begin to Budget Bundle (printable budget binder) -- bit.ly/3o0iS2v
_____________________________________________
** // MY FAVORITE MONEY-SAVING TOOLS // **
‣ Get $25 when you open a CAPITAL ONE 360 account -- centsandpurpose.com/savings-a...
‣ Get $10 FREE when you sign up for IBOTTA and make a purchase -- centsandpurpose.com/iBotta
‣ My favorite MEAL PLANNING service! Only $5!! --
centsandpurpose.com/5-dollar-...
‣ Get $10 off your first online grocery order at WALMART --
r.wmt.co/iUpN8
‣ Check out all my favorites in my AMAZON STORE --
amazon.com/shop/kristinstones
‣ Get $10 FREE when you signup (and make a purchase) with Rakuten (used to be called EBATES) -- bit.ly/3epnpbK
** Most of the links above are affiliate links where I will make a small commission if you make a purchase but you are NOT charged any more for your purchase **
_____________________________________________
** // LET'S BE FRIENDS // **
Instagram -- @centsandpurpose
Twitter -- @centsandpurpose
Facebook -- / centsandpurpose
Pinterest -- / centsandpurpose
Website -- centsandpurpose.com - แนวปฏิบัติและการใช้ชีวิต
When I am at the supermarket I round up and down for example if something is $1.65 I round to $2 if something is 1.35 I round to $1 and as I get things off the shelf in my cart I keep track and I stop $10 below budget for a buffer. This keeps me on track.
We do that too! That’s how we use our clicker, rounding up and down. Great tip!
I do this too.
I like the idea of budgeting some fun things. This will help avoid burnout!
It definitely helps with that!
Wow, a clicker is genius! Can’t believe it’s the first time I’ve heard this tip! 👍🏽👍🏽👍🏽
Haha that’s how I felt when I first learned of them!!
Additionally, for those of us who use the calculators. If you have a list anyway. Go ahead and jot down the amount on that paper. So if your calculator does clear, you can say "hey, when I picked up the canned food I was at 22.56" and go from there. I enjoy your videos, thanks
Great idea, Maria!!! Thanks for watching :)
I always round up too so that’d be $23-$25.
Exactly Or your phone comes with a memo pad, leave it saved for next time you grocery shopping... and you can also see if an item has gone up or down.
I just do food shopping online. That way I can see the price of everything and take things out of my cart that I know we don’t really need. This helps me too buy things I know we will eat and stick to my $100 per 2 weeks limit. I can go grocery shopping while I’m actively looking at my pantry to know what we do and don’t need. I only go grocery shopping when I get paid so one week we eat fresh foods and the next week we eat a lot of smoothies and cook from the frozen stash. This has been the most helpful to me. I only go in the store for quick grab things that I just happen to need and even then, I’ll order it if I can wait a few days to have it.
I really like the clicker idea. I have ADHD and anxiety, so shopping is often a nightmare for me. If I write a list, I'll forget it, or even if I bring it or have it on my phone, I'll forget to look at it. If I accidentally clear the calculator, I'm so frustrated I just say "screw it" and head to the checkout...or throw a few more things in the cart before I do. 🙄
I also like the meal prep idea, but that's something I will have to work toward. Got a lot of other habits in the way that'll need to change before I could handle that level of organization. Plus I'm not that great at cooking. lol
That’s ok! You don’t have to be perfect. Just take small steps and work towards it, just as you said!! You’ll get there 😊
Love your lamp and set up behind you. Thank you for this video!
Ashley Rowzee Thanks, Ashley!!!!
Thank you so much for talking about budgeting in fun money. It makes me feel better because who wants to have no enjoyment in life. I love it! I just ordered the clicker on amazon and I think it will help! Thanks so much
Oh good, I hope it does help! Yes, you have to have some enjoyment or you will get burned out!!
Such a great video thanks for the tips, here's to sticking to our budgets and growing our net worths this year!
Thank you, happy new year!!
I love the idea of FUN MONEY! It totally helped me get motivated with sticking to my budget!
It definitely makes a big difference!!
Just a note, when you are using the calculator on your cell phone, if you wipe out your total, you can go back into the "history" and recover it.
Omg!!! I never knew that?!??! How have so survived this long?? Thank you for telling me that!
You have to make sure to press =. If you are just doing 1+3+7+2, etc then it won't be there but If its 1+3=4+7=11+2=12 then it will be in the history.
@@nightembergrl So good to know, thanks!
I love your videos, I am following and am SERIOUSLY hoping 2020 is my year for financial stability!!
Thank you, Joyce!! I am hoping the same for you!
The clicker is a great idea and you know the fun money tip is also great but personal money wow. These ideas inspire me to take care of me and remain on my budget! THANKS.
Good for you! So glad yo hear that :)
Hi Kristin I agree with you about keeping something for yourself in your Budget you can get quite a bit of things from thy pound shop here in the UK .🤗 Nice video Jeannette Smith
Hi Jeannette, thanks for watching, yes…some personal money can make. Such a difference!
I just write Write my rounded amount per item on the grocery list and keep a running total I already have a pen and paper
I’ve seen a few others say that works for them too!!
This was actually Helpful 👍
I do most of my groceries online so I only get what I need and know exactly how much I'm spending. I also used the collect option for my groceries so I don't pay for delivery!
Me too, Odette, it’s honestly a game-changer, isn’t it?!?
I love your tips! I have NOT heard of some of these, like the clicker idea! I'm always adding up in my mind and I lose track easily... the clicker seems much more practical!
such a great idea!
Ugh, Yes, it's soo easy to lose track...I'd be blowing my budget every week 🤣
Great tips & videos ! Being Canadian , I really like the idea of swapping devices amongst friends & families because we are charged GST on ALL goods & services in our country . This 5 % tax is added to every restaurant meal & every single product & service we purchase - which is addition to whatever our Provincial sales tax is which in our particular Province is 8 % so you see how that 13 % can really add up & then as you say if it is a service you would be tipping on top of that ... well , it really adds up ! Thank you for your tips & a Happy New Year To you and yours !!!😊❤️😊
Oh wow! Yes, that would definitely save even more for you!!
Great advice , thanks!
Thanks for watching!
Clicker is a neat idea. I just round up and Mark it next to the item on my list. This way I can save my old list and compare prices when I see things on sale other places or online.
That’s a good idea!!
So helpful as I am on super tight budget
Glad to hear it was helpful!
Super great tips Kristin! When I am trying to buckle down on my budget I do these things too. These budget tips make a substantial difference!
Thanks Leslie, glad to hear they work for you!!
SUPER AMAZING CHANNEL!!! THANK YOU!!!!!!!!
Thank you!! Appreciate that ❤️❤️❤️
Got some few useful ideas on how to improve my financial budgeting.
I'm so happy to hear that, Patricia!
Mycket trevligt. Bra gjort
Good ideas, a pencil and paper is quick and easy to add a price by your item and add up as you go along and add another item..you know by the penny what's spent and can often afford a treat like a packet of biscuits at the end.
Great point!!
That clicker is such an interesting idea. I always write out the price of the grocery items in a small notebook when I go shopping and then I calculate everything lol. When I make my list to go shopping, I use that same list and write the price of how much the item is next to it.
I love that you record the prices! I have a spreadsheet where I keep prices of the “regular” items I purchase!
I need the clicker 4sure! This is where I have had $$$ problems.
It makes a big difference!!!!
The ALDI app has a calculator where you can add the item and price. I've made my own price book documents for each grocery store to compare.
Oh that’s so cool, thanks for sharing!
We always keep some pasta and a jar of pesto and frozen peas in the cupboard with a frozen garlic bread and dinner in 20mins!
Our fun money and personal money is the only reason we can stick to our budget! We cut from processed grocery foods.
I agree! Those categories make such a huge difference!!
Perfect, sounds yummy!
I really enjoyed the video...Thank you
My meals plans do work. But sometimes I am short need more ingredients to finish the meals.
That is Then when I need to spend more money at my local supermarket. But I am getting better budgeting with groceries for the month.
Another problem is treating myself to snacks or getting a carry out during sports on T.V. on Mondays with Wrestling shows..
it seems I need help...it is costing me $40..to $50.00 dollars monthly. (EXTRA) and cannot afford it...with the annual cost.
But I working at it...
Thank you for those great tips.
JOSE A CARABALLO
Yes, takeout adds up so quickly! Can you buy the "takeout" food at the store and prepare it yourself? For ex: if you like to order wings when you watch wrestling can you instead buy a huge bag at the store and prepare your fav flavors at home? May not be quite the same but will save money?
EXCELLENT information 2020 here I come
Woo hoo!!! Hope it’s your best year yet!
Great tips! :)
Thank you 😊
Here in the UK, we have scan and go shopping in the supermarket. You have these scanners to scan your shopping and it shows you the total at the end 😊 by using this, you can keep an eye on how much you have spent as well as bagging your groceries as you go. Then go to a special self service till at the end and pay that way. Super easy. I love it as it really allows me to see how much I have spent and how much I have left on our budget. And if for some reason we are over then the scanner has the option to return items too 😁
We have them here in one nearby store but anytime I’ve tried it it’s malfunctioned 🤣 but you are right, that’s a great idea to keep you on budget too! It would be amazing if Aldi would get them!!
I hate those things so much 😂
That sounds so neat! Wish they had that type of system in my local stores!
Kristin Stones, Cents and Purpose I wish Aldi would deliver their groceries, this would be a game changer
Good advice....I subscribed
Happy to have you!
New viewer I absolutely love all your tips. Now I'm a new subscriber. Going to get the clicker hope to save on 2020 as I'm on a fixed income.
Thank you so much, Lisa! Hope you love it!
yes! we use the calculator app but i accidentally cleared it and we were at costco ugh it was so annoying thank you for the clicker idea!
lol that used to drive me crazy!!
I take my own little shopping trolly so I don’t use a big store trolly... i also walk to the supermarket as it’s quite near it works so well for me living on my own.. ✌️
Good idea! Guess it keeps you from over purchasing!?
Great tips. Pressure cooker also saves time and money when cooking. Just put frozen foods in your pressure cooker and you'll have a meal in 25 minutes. It's healthy too.
For sure! We love our InstantPot!
Just when I thought I was doing good on my non spending ..
A Clicker was a must!
It totally is 🙌🏼🙌🏼
You could totally just do a tally on pen and paper, or I’m sure there’s a free smartphone app for that!
I like the clicker tip. Might have to invest in one.
Thank you! I thought they were so cool when I first heard of them 🤣
Here’s a couple tips when you’re cooking if you have a recipe that calls for a cup of milk instead of using all of your regular whole milk, half milk, 2% get not the evaporated but the regular canned milk in your baking section use equal parts per your recipe say your recipe calls for a whole cup of milk use a half a cup of evaporated canned milk and then a half a cup of water. Mix well and use that for your recipe it’s going to last longer and taste better, it was some thing that my mother always did. She would do that to help save on the milk that you would use for cereal and drinking and that sort.
Interesting, I’ve never heard that before - thanks for sharing!
Intermittent fasting or OMAD diet will save you tons of $$$$. And you lose weight so its a 2-n-1 deal.
Great point, Love IF!!!
Exactly!!!
Intermittent fasting is good too.
Love IF! I’ve been doing it for a year and a half now!!
I’ve always done it since my school years, never really thought about it. I still do naturally.
Meal prepping is so hard being a grad student and a FT worker lol. Can't wait to have a free-er schedule
I get it! Here’s a video I made about meal prep hacks I do to make things quicker as a busy mom, maybe you’ll find some tips that can help you too! th-cam.com/video/8dsshj7aWRg/w-d-xo.html
I really struggle with budgets full stop. Things unexpectedly come up. At other times we can save unexpectedly. Never have found the answer really. Thank you for your tips.
Hi Janey, you’re very welcome, I hope they help you in some way...honestly that happens to us constantly too...I think it’s just a matter of trying to make the best choices you can and just keep going. I think eventually you reach a tipping point where the unexpected expenses can be handled without setbacks!
Hello i used to find this but then i found dave ramsey. He says firstly set up a 1k emergency fund as quickly as you can. Then if i have unexpected bill (usually an annual bill) i use that and then put it in my budget for next year then rebuild the emergency fund as soon as i can. It works pretty well. X
Kerry Low Yes, an emergency fund is key!!
The meal prep video link never appeared on the screen 🤷🏻♀️
Fantastic tips! Thanks for sharing 😀
Thanks for watching!
The fun money point you made is really important. You’re not gonna want to keep on a budget if you’re miserable, so a small treat here and there is great to help keep you motivated
I need to delete Uber eats 🤦♀️ they are definitely making a tone! I get ready made meals which has helped a lot more. Currently looking at tips due to a work injury and realising that nasty credit card 😳
Definitely bringing me back to earth
Ugh yeah they are crazy expensive, but sooo convenient 😑 Hope you heal fast!!
Hi Kristin , I just come across your YT🎥 would you have any advice for someone like me long story short at the moment I'm getting unemployment for while just recently relocated to California
We are at the point where I am making pourover coffee to save money. No power needed.
Instead of buying a clicker, you can make a tally mark for each $ on your list as you shop
You totally can!
Barbara Cox best of luck to you with the no buy year! It gets easier! I’m doing the Uber frugal Month Challenge and it’s refocused my goals 👍
I'm thinking that my issue is the meal planning. I have a lot of meat etc. in the freezer that I'm not using.
Use it up! Take inventory of what you have then plan your meals around it!
My problem is shopping at Dollartree. I always over spend there. Even if I'm only buying necessities, maybe I'll find a new item and buy 3 so that I'll have multiples of the bargain item. I probably spend over 100 a month there. I try ti limit my trip there to once every other week. Any hope for me?
Sure, just add an extra category in your budget for Dollar Tree. Whatever you allocate for yourself to some go there with that amount of cash ONLY. Spend what you’ve budgeted without feeling badly about it and don’t return there until you’re able to budget more money for it!
Anonymous if it’s a financial danger zone, don’t go in there.
I cut a lot from my budget, so I love the idea of even $10 of fun money a month.
Previously tried cutting out a lot and didn’t add any fun money, and ended up overspending again.
Yes, even just $10 can make a difference!
If you are at Walmart, you can "scan and go" in their app. You know exactly what y9u are spending.
All I do is order groceries online so you know exactly what all it cost beforehand
It’s the best invention ever, isn’t it?!
A clicker....🤯
😂😂
I have idea don't eat don't drink, don't buy anything...is as good you already pass......life is for living , it was joke...
why would someone have an iphone if they are on a super tight budget ?! there are cheaper options out there...
I think she just means your phone, no matter what brand it is.
What do you mean? I know people on EBT w iPhones..
DarkLittlePeople. I have a flip phone!
Maybe her iPhone is a few years old
you're cute