How Much Time Do You Have?
On average, new budgeters save $600 by month two and more than $6,000 the first year! Pretty solid return on investment.
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You know you want to get out of debt and save more money, faster. Here’s a little game called “find the money” that will help you accelerate your financial goals by $30 to $100 per month – without affecting your quality of life.
Fun Money: $40
Fun Money $37
Big impact on any individual category? Nope. Freed up cash? $35.
Add it to your monthly mortgage, credit card, or retirement savings category. Then give yourself a big pat on the back.
A win is a win. Check it out:
Life-changing amounts? Probably not, but a win is a win. You’re adding efficiency to your budget, employing a small percentage of your dollars in higher paying positions.
If your income is stable-to-growing (cost of living raises, bonsues, etc), go through this exercise every six months, gradually increasing your “get ahead” number. Be constantly on the lookout for ways to sneak your dollars into more productive categories.
(If your income isn’t “stable-to-growing”, I’m sure you’re used to this game – minus the fun part where you allocate freed-up cash to a big goal. I feel for you – hang in there.)
*Thanks to YNAB education lead, Erin, for the post idea.
Remember, budgeting is not restrictive. You won’t be spending less, you’ll be spending right. You can do this! Today. Right now. What do you have to lose? Except all that debt and stress. (Ok, so kind of a lot.)
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