Budget busters can leave you wondering how to budget for non-monthly items. While in theory we should remember that the holidays and our car tags arrive every year like clockwork, the reality is that it’s pretty common for them to be upon us before we know it.
Time flies while we’re busy with other things. It’s understandable, but letting irregular expenses sneak up on us like that can cause problems.
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Have you ever asked yourself what being debt free could do for you? (And your budget?) Most people never even consider the idea, or if they do, they don’t follow it through to its logical conclusion.
Sure, you know you’d have more money if you didn’t have all those payments, but have you ever sat down and done a before-and-after budget?
Here’s an example of what being debt free could do for your budget.
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I’ve talked before about how saying “no” is a viable option when you’re asked to do something that doesn’t fit your budget.
But for many people, saying no is hard to do — especially if you feel embarrassed about your financial state, or feel socially obligated to say yes.
So how do you say no without stressing out about it?
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It can be super frustrating when you’re working on debt reduction, but it seems like something always comes up. Of course it’s even more frustrating if you’re not able to send as much to debt as you’d like because things keep coming up, or if you’re falling behind.
Don’t you wish there was a way to prevent all that?
While we can’t prevent the unexpected, we can plan for it. And believe it or not, that type of planning makes a huge difference.
Here’s how to turn the frustration of something that came up into just a minor inconvenience.
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