{"id":2451,"date":"2022-02-19T12:37:01","date_gmt":"2022-02-19T17:37:01","guid":{"rendered":"https:\/\/capitalbean.com\/?p=2451"},"modified":"2022-09-15T05:39:33","modified_gmt":"2022-09-15T09:39:33","slug":"5-top-tips-for-budgeting","status":"publish","type":"post","link":"https:\/\/capitalbean.com\/guides\/5-top-tips-for-budgeting\/","title":{"rendered":"5 Top Tips For Budgeting"},"content":{"rendered":"<h2><b>Budgeting Key Points:<\/b><\/h2>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Budgeting is made simple through budgeting apps, such as Honeydue and Mint. These categorize your spending, and help you spot where to save.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">In 2021, around 80% of Americans used a budget.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Some easy ways to save money are shopping sensibly, traveling economically, and carefully managing your subscriptions.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">There are cheap ways of borrowing, which are conducive to living on a budget. By taking out a new credit card, you could benefit from interest-free credit for up to 21 months.\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2><b>Our Tips<\/b><\/h2>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\"><b>Use An App Or Spreadsheet To Visualize Your Budget<\/b><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Budgeting is difficult as it requires attention every time you spend. One way to make it easier is to create a visual budget, which allows you to track your past and present spending, allowing you to plan for future outgoings.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Apps &#8211; <\/b><span style=\"font-weight: 400;\">Many budgeting apps, such as Honeydue, Mint, YouNeedABudget, and PocketGuard are there to help you. You link these apps to your credit or debit cards, and it then shows you where you spend money most. They will illustrate &#8211; some via charts &#8211; how much you are spending on food, travel, hobbies etc. From this point, you can see where you are splurging, allowing you to make changes. Some of these apps even allow you to set up direct payments to your savings account, to make saving an automated process. Many of these are free, so why not give them a go!<\/span><\/p>\n<p>&nbsp;<\/p>\n<div id=\"attachment_2453\" style=\"width: 462px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-2453\" class=\" wp-image-2453\" src=\"https:\/\/capitalbean.com\/wp-content\/uploads\/2022\/02\/app-300x200.jpg\" alt=\"budgeting app\" width=\"452\" height=\"301\" srcset=\"https:\/\/capitalbean.com\/wp-content\/uploads\/2022\/02\/app-300x200.jpg 300w, https:\/\/capitalbean.com\/wp-content\/uploads\/2022\/02\/app-1024x683.jpg 1024w, https:\/\/capitalbean.com\/wp-content\/uploads\/2022\/02\/app-768x512.jpg 768w, https:\/\/capitalbean.com\/wp-content\/uploads\/2022\/02\/app-1536x1024.jpg 1536w, https:\/\/capitalbean.com\/wp-content\/uploads\/2022\/02\/app-2048x1365.jpg 2048w, https:\/\/capitalbean.com\/wp-content\/uploads\/2022\/02\/app-900x600.jpg 900w\" sizes=\"(max-width: 452px) 100vw, 452px\" \/><p id=\"caption-attachment-2453\" class=\"wp-caption-text\">Apps like Mint and YNAB are there to help you plan your spending<\/p><\/div>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><b>Spreadsheet &#8211; <\/b><span style=\"font-weight: 400;\">For the less tech savvy among us, the budgeting apps may not appeal &#8211; and that\u2019s fine! It\u2019s simple to create your own budget. To do this, you simply have to note how much money you have incoming, and how much you have flowing out of your account. You can attach a category to this for yourself. For instance, if you\u2019ve ordered a pizza, you can have a column labeled as \u2018food and drink.\u2019 Color coding your spreadsheet will allow you to see which categories you\u2019re spending the most on.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><b>\u00a02)\u00a0 Budget Ahead Of Time\u00a0<\/b><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Let\u2019s say it\u2019s Christmas time, and you have gifts to buy, but haven\u2019t planned ahead. It\u2019s never too late to start budgeting, but there are certainly times where it\u2019s more sensible. In this case, Christmas rolls around and you don\u2019t have the funds to cover your living costs <\/span><i><span style=\"font-weight: 400;\">and <\/span><\/i><span style=\"font-weight: 400;\">buy gifts. The better approach is to anticipate higher cost times of year and budget <\/span><b>in advance <\/b><span style=\"font-weight: 400;\">to ensure you\u2019re ready for them.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Create a calendar that shows you <\/span><i><span style=\"font-weight: 400;\">your <\/span><\/i><span style=\"font-weight: 400;\">most expensive times of year. Maybe you have family birthdays in June, so ensure your budget in May is carefully monitored.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">To make this even more rigid, you could create a separate savings pot for \u2018gifts\u2019 or \u2018holidays,\u2019 where you deposit cash especially for such times of year.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><b>3) Pay Your Debts in a Sensible Order\u00a0<\/b><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">In Spring 2021, the <a href=\"https:\/\/www.whitehouse.gov\/wp-content\/uploads\/2022\/03\/budget_fy2023.pdf\">US population shared a cumulative debt of $14.6 trillion<\/a>, so you\u2019re not alone in managing debts and repayments.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">When trying to budget, you should ensure that you pay your debts back in a sensible order, and that will depend on a few factors:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\"><b>Costs For Living Comfortably. <\/b><span style=\"font-weight: 400;\">Your water, food, and electricity bills are, of course, essential to living. These should be paid off before any Netflix bills or iCloud storage debits.\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Interest On Loans. <\/b><span style=\"font-weight: 400;\">Loans with the highest interest are the most expensive to have, such as <a href=\"https:\/\/capitalbean.com\/payday-loans\/\">online payday loans<\/a>. Therefore, you should strive to pay these first, as having them rolled over will be incredibly costly compared to lower interest loans.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Whether Your Loan Is Secured. <\/b><span style=\"font-weight: 400;\">A secured loan is one that has an asset declared as collateral, which can be seized if debts go unpaid. Let\u2019s say that collateral is your home, which is a common form of collateral. If you fail to pay your debt, <a href=\"https:\/\/capitalbean.com\/guides\/can-i-lose-my-home-over-not-paying-back-my-payday-loan\/\">you could have your home repossessed<\/a>. Of course, it is essential to pay all debts, but secured loans that go unpaid will have more severe consequences than other, unsecured loans.\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2><b>4) Understand And Remind Yourself Of Goals\u00a0<\/b><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Budgeting can be mundane, tiring, and strenuous. By reminding yourself of <\/span><i><span style=\"font-weight: 400;\">why <\/span><\/i><span style=\"font-weight: 400;\">you are budgeting, you may get that extra kick of motivation. Whether pinching the pennies is to build up a savings pot, an attempt to pay off a loan, or create a retirement fund, it is important to remind yourself.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">While you should know your own goals and strive to meet them, you should also remember that for new habits to reap reward, it takes time. There is a time lag between actions and reactions, and that\u2019s okay. Every time you shop in a thrift store instead of designer, every time you buy in bulk and meal plan, and every time you walk instead of taking an Uber, you\u2019re bringing that reaction (saving money!) one step closer.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><b>5) Ask For Help If You Need It\u00a0<\/b><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/capitalbean.com\/guides\/how-many-people-take-out-payday-loans-each-year\/\">12 million Americans take out payday loans each year<\/a>. It is not uncommon &#8211; or unacknowledged &#8211; to need help sometimes.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you need help, think about where it is best to find it:\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\"><b>Credit Union: <\/b><span style=\"font-weight: 400;\">Loans from <a href=\"https:\/\/capitalbean.com\/guides\/what-is-a-credit-union\/\">credit unions<\/a> are notoriously cheap. Given that they are non-profit organizations, interest on loans is low, however they can often only provide smaller amounts of funding.\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Payday Loan: <\/b><span style=\"font-weight: 400;\">While the key downside is that these loans are pricey to take out, their main benefit is the speed at which you can get them. You could receive your funds within one day of applying, and may not even need to go through a credit check.\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Ask A Loved One For Help: <\/b><span style=\"font-weight: 400;\">But only if you know that they can afford it. This is typically a more flexible means of securing cash, but could damage a relationship. Only do this if you\u2019re sure you can pay your loved one back, and be totally honest about your situation.\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Ask Your Employer For A Cash Advance: <\/b><span style=\"font-weight: 400;\">Which is essentially an early paycheck. Very useful, but finite in how many times you can receive one. Speak to your employer understand what is available to you.\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><b>\u00a0<\/b><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Budgeting Key Points: &nbsp; Budgeting is made simple through budgeting apps, such as Honeydue and Mint. These categorize your spending, and help you spot where to save.\u00a0 In 2021, around&#8230;<\/p>\n","protected":false},"author":5,"featured_media":2452,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"_yoast_wpseo_title":null,"_yoast_wpseo_metadesc":"Budgeting can be made easier using apps and other strategies. To save money you can shop smarter, travel economically and review finances regularly.","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v17.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>5 Top Tips For Budgeting | Capital Bean<\/title>\n<meta name=\"description\" content=\"Budgeting can be made easier using apps and other strategies. 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