Sticking to a budget, what does it take?

Submitted by Anonymous (not verified) on Tue, 09/12/2006 - 05:20

What does it take to stick to a budget? What are some suggestions that you out there have used and really been helpful? I find that I get real motivated at first but then life gets busy and the budget starts to slip. Using Mvelopes to work on my budget has really helped, now I need advice to help keep that motivation up and strong. What do you suggest?

welcome to CreditMagic forum

One thing that I've found to help me stick with my budget is using cash only for everything other than bills. I don't take my checkbook or credit cards to the store with me. When I'm tempted to buy something I hadn't planned on I can only get it if I have enough cash. This helps alot with impulse shopping!

richard

Tue, 09/12/2006 - 05:23 Permalink

do not go food shopping on an empty stomach (it just makes you buy things you don't really need), thats a pretty useful tip i always remember :D

Tue, 09/12/2006 - 05:25 Permalink

One thing that I've found to help me stick with my budget is using cash only for everything other than bills. I don't take my checkbook or credit cards to the store with me. When I'm tempted to buy something I hadn't planned on I can only get it if I have enough cash. This helps alot with impulse shopping!

The "cash-only" strategy is something that I have been doing for a while and it does work well for me. I actually fed all my credit cadrs to my shredder last moth and I havent taken a dime out of them since then. I keep some cash on me and some money in my checking account and thats all. All my checks go to pay bills, and a put some money away in a savings account and in a 401(k) account. This way I feel tempted to buy, but not as much as when I can take my card out and swipe it. You just dont feel the money coming out of your poscket, when you swipe the plastic. It is a weird psychological "side effect" that I really dislike :D

do not go food shopping on an empty stomach (it just makes you buy things you don't really need), thats a pretty useful tip i always remember

That is a good advice also. I have actually read about it before and I have tried to go shopping on an empty stomach and then after I ate. When you are hungry you feel like buying everything.

Another thing that I do is just the goold own "brown bagging". I used to buy a lot of ready food and besieds the fact that it was junk it was also expensive. And with my constant appetite I can easily spend $30-40 per day for food only. Thats a lot of money! Buying bulk food from Costco / WalMart is way cheaper. The only issue sometimes is that I dont have the time to prep the food, but that it usually also because of my lazyness :D

Sun, 09/23/2007 - 17:54 Permalink

Yes I just got out of it. I mean laziness. Now I find a lot of time to work and take care of things :)

Mon, 09/24/2007 - 05:59 Permalink

The breakfast of champions (caffeine and nicotine) could bankrupt me. Fortunately for me, Sam's Club sells a case of Monster for less than $30. If only I wanted to quit smoking, I'd save approx $150/month.

As for shopping while hungry, I make it a point to eat, wait 30 minutes, then go to the supermarket. Otherwise, I DO end up buying a bunch of crap I don't really want.

Mon, 09/24/2007 - 08:04 Permalink

I am faaaaaaaaaar away from caffeine. :)

Tue, 09/25/2007 - 07:39 Permalink

Simple....no beverages for me.

Smoking is rather bad. Worse than caffeine. Might think of quitting???? Just a piece of advice.

Thu, 09/27/2007 - 05:23 Permalink

Caffeine doesnt work for me, unless its in elephant doses :) There is a energy drink that they sill in NYSC, that is the only caffeine-containing drink that works for me.

Lazyness is a big problem for me sometimes. I am still learning to control it, but this is my worst thing to control in myself.

Fri, 09/28/2007 - 12:49 Permalink

Its only you yourself who can stop smoking. Self control matters :)

Sat, 09/29/2007 - 06:14 Permalink

Smoking is so ridiculous, I mean, you pay to kill your lungs. This one of those things that make no sense. Just like the car insurance rates :D

Sat, 09/29/2007 - 10:19 Permalink

I know...but I got hooked and I don't want to quit enough to make it happen.

Sun, 09/30/2007 - 00:04 Permalink

:D excuses....thats ok if you are addicted. perhaps some day you will want to quit it so much so that you will leave it.

Mon, 10/01/2007 - 04:03 Permalink

I use coupons and shop at grocery stores that double them, I pull the sales ad then match up my coupons with what is on sale that week. I save a ton on groceries and household items this way.

I shop on ebay for alot of my clothes and for the kids also. I also buy my tracfone airtime on ebay. Before I purchase airtime, I google airtime bonus codes so that I get the most for my money.

Sun, 11/04/2007 - 02:36 Permalink

Wow lets really get on the smokers here. Quiting always sounds like such an easy thing to do...unless of coarse you are a long time smoker. I myself am alot like morningstar when it comes to the breakfast menu. Have I tried to quit the caf and nic? Yep...lots of times Have I succeeded,,no Not yet. I too save money as Gn says double coupons, add comparisons but I found the biggest wat for me to save any money is to aviod the store as much as possible. I make out a list of what exactly I need and if I forget something well unless its a matter of life and death I do not run and get it. Soon as I walk in for a $5.00 can of coffee I walk out with a $50.00 cart of everything else.

Tue, 07/29/2008 - 15:49 Permalink

I know this thread is old, but I am reading up on pretty much everything on here. The smoking thing...Yeah...That's a difficult thing to quit. I don't know HOW my bf & I can afford to smoke! We both do. We both HATE that we do. We both have tried to quit...err...several times. No results. The last attempt at quiting cost us about $50 for Nicorrette gum to use only 1 piece each [THEY ARE HORRIBLE BY THE WAY, they have some weird reaction in your throat like swallowing gulps of smoke would have on your throat]. After that, we started smoking again. $50 down the drain. I still have the gum in my cabinet...Yeah, I should throw those out. lol

I'm seroiusly considering us going to get hypnotized. I know that's horrible. We just dont have the will power it takes to quit. It's ridiculous. On average we are pretty healthy, eat healthy, excercise sometimes, etc. But we smoke, which totally kills the healthy lifestyle we are trying to live. blah.

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charmdatescamr… (not verified)

WhiteTigerZimri oughout

WhiteTigerZimri 3 sexy russian women points created 1 day ago

If someone only experience personal growth because of hardship or suffering in their lives, Then I think that person probably isn focused on personal growth because personal growth is ultimately a choice you make. many people suffer but don really grow, Heal or work on them in any meaningful way. In fact in many respects I think suffering can become a distraction from personal growth, Because life can become more about surviving and getting by every day rather than spending time reflecting and pursuing what most important to you.

I've never witnessed it like that before. I think it's a very good but difficult view. for example,that, When looking at grieve for example, How on earth do you see it? perhaps a bit off topic but I'm really curious. Because i can imagine it will be more about surviving for a while and not personal growth. Or do you think grieving is too not the same as other struggles in life?

I do see some truth in what you are saying regarding suffering being a distraction, and personal growth being a choice. Nevertheless quite challenging I think. when you're sad, Snapping out of that and paying attention to your growth can feel maybe like running away from your emotions? I don't really know, I feel like this is something I have to contemplate a bit longer :g

WhiteTigerZimri 2 points written 22 hours ago

Well I think any type of suffering, Like tremendous grief, Can bring growth if you embrace it and learn from it. But as mentioned, It a decision. Many people don want to get on with their emotions so they just repress and ignore grief, considering that they know don really grow from it. (Maybe baby something is so traumatic repression is the best thing for a while, But for the most part, I think actually allowing yourself to feel and express your heartaches is the healthiest approach.)

then again, The thing about grief is that nearly everybody don actually choose it. It just a part of life but it would be masochistic to go out seeking grief with regards to personal growth.

WhiteTigerZimri 3 points supplied 4 days ago

It definitely not too late I had my first kiss and first sex at age 26. And you know what? It was great and you might say, I think waiting was good because I was able to find someone I felt truly safe and comfortable with, So my lovemaking debut was a fun, Positive and satisfactory experience. I do get how lonely and painful it can be when you single for so many years though I was in the closet because I was strictly religious for countless years.

is it feasible for you to work towards being financially independent, So you can live onto your or with housemates eventually? I think that would be super helpful I know it made a significant difference for me.

WhiteTigerZimri 3 points given 4 days ago

I generally try to keep friendships and romance separate, So I try to befriend people I not attracted to or who aren my "choice, This isn foolproof as sometimes crushes happen anyway over time from approaching people, But I find the idea will help.

If you pretty sure you don want to date these women, you may could shift the boundaries and stop the flirting. You could have a conversation about it or you'll just gradually flirt less and stop encouraging that behaviour.

I have noticed straight women flirt and banter a lot as some form of bonding, But I prefer not to do that a lot because as a queer woman it gets confusing pretty quickly and I don want people to misread my intentions.

if in case, really, you probably did want to date these friends, a totally free think hard about whether a. It worth risking losing the friendship for a romantic relationship, y simply. Whether you really need to practice polyamory and c. Whether those people currently practice polyamory in a healthy way and have good working relationships with their existing partners.

Personally I pretty careful of women with husbands or committed male partners, As I know that most women will invariably put the guy first. They are seeking a fashionable triad), Which are a wide nope from me.

WhiteTigerZimri 1 point downloaded 7 days ago

although you may lose the friendship, It probably to get the best because friendships with unrequited love dynamics usually don last they often become strained, particularly when the person you in love with starts dating someone else and you feel jealous. It probably best to move on and find new people to spend time with.

I generally try to keep friendships and dating romance separate, To avoid getting stuck in one sided crush circumstances like this. I in particular look for friends who I not attracted to, And for dating there always online apps or asking out associates you meet in social situations.

This isn 100% foolproof as it possible to not be attracted initially and then have feelings grow at some point, But usually I know if there is potential for me to love someone pretty early on. I realize my "design and style" In women is and particular people I find attractive, Even if I don have feelings for these people yet.

Worldofdanks 1 point downloaded 6 days ago

I don think the falling in love pretty early on stage carries over into my 8 year relationship. This is a quite different. I can just give up a companionship like that over a crush, Which is what this is nowadays.

I just wanted some respect, In regards to talking me about it, Rather than bailing on our initial plans and ghosting me going back 4 days.

I also don pick my friends based off appearance level, happen to be just happen, And I try to base them on the standard of the person as a whole. avoid, also that backfires, But it the only formula I enjoy the ability to go by. I would like to be respected by my friends, Which I had issues with for a while, So it sucks that it taking again.

I acknowledge your advice, Kind particular person, However it appears that we have different approaches to friendships. In this situation, I not quite ready to just end the accord I had for so long. That why I upset through what happening.

WhiteTigerZimri 1 point provided 6 days ago

Fair enough I do think that behaviour is inconsiderate on her part. Yet my experience as a woman is that once a guy says he is romantically interested, He doesn get over those feelings unless he starts dating another person or business. Guys usually will keep flirting and asking a woman out typically, even with she said no, So maybe she doesn want dealing with that hassle.

I guess every situation differs from the others as well. I mean if this is some crush and you be over it in a week or two, Then it likely fine to keep being friends. But it sounds like you been attracted to her on and off the past six years, And I doubt that attraction may magically go away.

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Wed, 12/04/2019 - 11:04 Permalink
Tracy Allen (not verified)

I checked my scores some couple of weeks ago, they ran down in the low to the mid 400s. I was struggling having a hard time getting approved for anything due to a layoff I had last year so I fell behind on my bills and now I am struggling trying to get my score back up so I can purchase a home. I surf the internet in search of help and I met with AUTOLINKS CREDIT SERVICES and I explained to them my credit situation and they promised to help me get my scores back on track so I can be qualified for the home purchase. After some couple of days later, they cleared the bills on my credit profile and effected the changes across all 3 credit bureaus and finally raised my scores to 793. I bought the house after a week and I am very happy today with my family. You can contact them and have them fix your credit issues as fast as possible. Contact via: autolinkscreditservices@hotmail.com / +1 (520) 800-6528 .

Thu, 12/12/2019 - 14:32 Permalink
Tracy Allen (not verified)

I checked my scores some couple of weeks ago, they ran down in the low to the mid 400s. I was struggling having a hard time getting approved for anything due to a layoff I had last year so I fell behind on my bills and now I am struggling trying to get my score back up so I can purchase a home. I surf the internet in search of help and I met with AUTOLINKS CREDIT SERVICES and I explained to them my credit situation and they promised to help me get my scores back on track so I can be qualified for the home purchase. After some couple of days later, they cleared the bills on my credit profile and effected the changes across all 3 credit bureaus and finally raised my scores to 793. I bought the house after a week and I am very happy today with my family. You can contact them and have them fix your credit issues as fast as possible. Contact via: autolinkscreditservices@hotmail.com / +1 (520) 800-6528 .

Sun, 12/22/2019 - 22:18 Permalink
Mila Henry (not verified)

Merry Christmas guys, contact: autolinkscreditservices@hotmail.com or +1 520 800 6528 , for credit repair, they made me smiles again. I was evicted for some couple of months, then I went surfing the internet and find AUTOLINKS CREDIT SERVICES, I contacted them ASAP and they boosted my bad credit score from 368-780 within 5 days. They cleared all negatives on my report even gave me good trade lines for loans. Thank you AUTOLINKS CREDIT SERVICES I will keep recommending you to the world. Thank you once more am very happy, I now have my own home.

Wed, 01/01/2020 - 19:02 Permalink
AllenSwarl (not verified)

Its very unnatural to not do alternate sticking, unless told otherwise. Back in the day, which was a wednesday, it was hard to do the different sticking patterns. Looks like you have the opposite problem. Make them play 8s with alternating their sticking and get a good quality sound. Thats what I would do. And if that didnt work, take the sticks away from them. JK.

Sat, 01/11/2020 - 10:16 Permalink
Austin Benedict (not verified)

Happy to have honored my mother in-law’s invitation last week for she helped introduce me to 760PLUS CREDIT SCORE who did a wonderful job by clearing all bad credit records on my profile. I contacted him on phone, we had a deal after our discussion and agreement, he increased my low credit score from 458 to 802 in less than a week removing all hard inquiries, charge offs and eviction after I narrated to this hacker on how I lost my wife and 2 children to fire accident that claimed their lives on 18th Nov, 2018. Life became difficult and sad for me back them. Am just happy I got my credit fixed even when the pains of losing my family is irreplaceable but I must appreciate his good works and thanking my mother in-law for her relentless support to me. CONTACT VIA: 760PLUSCREDITSCORE@GMAIL.COM or text +1(304) -774 -5902.

Mon, 01/20/2020 - 22:45 Permalink
EthanVaddy (not verified)

Today its really important pair. Before the U.S. election no one can trust he market, so you have such a good opportunity earn money or actually lose them.

Fri, 02/14/2020 - 09:21 Permalink
Ryan Havila (not verified)

My husband and I had some couple of negative items with relatively low score that disqualified us from everything. So we searched for a credit expert on credit magic to help us fix our credit score, we agreed to trust 760PLUS CREDIT SCORE after we have read good reviews and trusted recommendations from people about him, we explained the negative items on our report to him and he gave us a period of one week. Eventually, we finally got an excellent result within 7 days .Our score were increased to 780 and 805 respectively .All debt were marked as paid, late payment appeared as on time payment and other negative item were deleted. I recommend the hacker to people that want to fix their credit problem. Write him via: 760PLUSCREDITSCORE@GMAIL.COM or text 1(304) -774 -5902.

Sun, 03/01/2020 - 05:40 Permalink