Share the Responsibility Make sure you're not the only member of your household concerned about your budget. If you're working hard to save money, but your spouse is out spending you into debt, you're fighting a losing battle. Sit down together and make a plan to determine how much each of you will have for spending money. Remember, finances are a major cause of stress and strife in a relationship. Cut Bad Habits Whether it's alcohol or tobacco, if you use much of either, you know how expensive bad habits can be. Stop smoking and drinking, and put the beer/cigarette money toward your other expenses. You'll see your bills come down and your physical health will improve as well. Use Cash Take out enough cash to last one week at a time; it’s much easier to turn down a $60 pair of shoes when it will take the last of your week's cash. It’s an eye opening experience to realize how much you really spend when you start spending only cash, and not sw...
This blog provides practical budgeting guidance along with encouraging, Bible-based insights.