25 Best Budget Hacks for Beginners

So many people hold ill feelings about that six-letter word. The ever so restrictive, unachievable, hard to grasp, math-phobic BUDGET! You know.

Let me help you create a budget with these budget hacks.

Can I be honest with you? A budget is just knowledge. It’s knowledge about how much money you have coming in and deciding IN ADVANCE what you want to do with that money—deciding where it’s going at the beginning of the month instead of wondering where it all went!

It feels different from using cash. Studies show it’s harder to spend money when it’s cash. Check out this article for more information on the cash envelope wallet: Cash Envelope Wallets That Will Make You Want To Use Cash.

Use Cash.

Out of sight, out of mind. Consider not only a separate account but an independent bank. I use the Capital One 360 account. You can read more here: What Is The Most Challenging Part Of Saving Money?

Keep Savings in Separate Bank Account.

Always make a list of the grocery stores before you go. This way, you will not forget things and have to go back. That never ends cheaply.

Make a Grocery List.

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