Find A Budget System That Works for You

What comes to mind when you hear the word “budget”? I’m afraid budgeting sometimes comes with a negative association, reminding you that you can’t just spend money frivolously. Bummer, right? I actually love budgeting. Tracking my spending and determining what I do and do not want to spend money on allows me to cut out excesses and save funds¬†for the things I really want. I love it when I get to the end of the month and have extra room left in one of my budget categories. That means I can put that extra away in my “fun” fund to spend later on a vacation, a family outing, or, one of my personal favorites, new craft supplies! For budgeting to be successful, you have to find a system that works for you. Here are a few different ideas:

1. I personally like tracking my budget electronically. This post from Penny Pinchin Mom has 10 great budgeting apps:

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2. This post from Northern Cheapskate has great advice on the difference between tracking spending & budgeting.

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3. Do you have an inconsistent paycheck? Try this post from First Home Love Life.

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4. Hate budgeting? This post from Premeditated Leftovers is for you.

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5. Dave Ramsey’s Envelope System is very popular. Thrifty Little Mom tells you how to get started.

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6. The Savvy Blonde uses a system similar to the envelope system, but she uses checking accounts instead of cash.

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7. The Budget Mama explains the 50/20/30 budget

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8. The Clean Mama will help you get a budgeting and filing system organized.

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9. The Busy Budgeter uses a calender-based budget.

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