Use your budget to set and achieve your financial goals
The budget you created last week can be your best friend for setting financial goals. Now you see where you stand financially. Are you where you want to be? If so, give yourself a nice pat on the back. If not, set a goal about where you want to be. Now, look at your budget and find areas you can spend less. Some things, like housing and car payments, are fixed for now. That doesn't mean that you can't change that though. Can you buy a less expensive car (there are trade-offs though. Older cars come with more upkeep. Keep that in mind). Can you refinance your mortgage/car payments/other debt to lower interest rates? Can you use your tax refund to pay off a debt instead of buy something cool? Can you buy generic food instead of brand name? Can you shop around for a better rate on insurance? Can you use less energy? Can you use less gas (walk to the grocery store, library, etc, insead of drive)? Do you really use the food you buy, or does a lot go to waste? If so, stop buying the wasted food. You might not be able to make these adjustments. Some of you are already living on the least spending possible. That's okay. Still having the budget to know where you are is good. Now, that you've made some adjustments to your expenditures, funnel that extra money to your financial goals.
3 comments:
i just wanted to comment on the above post. if it means anything...i know exactly how you feel. i wish you all the comfort you are needing at this time.
I also wanted to comment on the above post. I had to go through that and it is really hard, but now we have a very beautiful daughter that we just adore. Your time will come. Stay strong. You are in my thought.
Tonya, like the other women here, I want to add a hug to your day. I know the feeling to well. God is great, just confusing at times.
Post a Comment