The budgeting struggle at the end of the month…

At the end of the month, many of my budgeting categories are empty. What to do?

Monthly Budgeting:

Quarterly + Yearly Budgeting:

Exercise in the middle of the day, if you can swing it!

Don’t make your budget too strict!

Don’t make your budget too strict! You need to be able to breathe.

Your budget can only be effective if you check it often.

Daily + Weekly Budgeting.

… And the revamped morning routine! A surprisingly chill way to start the day.

Create a flexible budget (yes, I know it sounds like an oxymoron)

Unexpected expenses are a part of life. Let your budget be flexible.

Budgeting is a balancing act; there’s no perfect budget.

Check the budget before making a purchase!

Should you even bother with budgeting?

You know I’m going to say that you should budget. But the question is, why should you bother with budgeting?

This is how I budget (btw it’s very simple).

What do you do when you receive new money? (I follow the YNAB method.)

“Doesn’t budgeting take very long, too long to be worth it?”

I often get asked how much time budgeting takes, realistically speaking. The short answer is that it takes an amount of time that is totally worth it given the money it will save you and the peace of mind it will buy you.

I answered the question practically by breaking down my budgeting routine:

Some more thoughts from this week:

A hierarchy of priorities can help resolve conflicts in the heat of the moment and help you choose wisely.

Create a habit by using accountability.

I prioritize sleep (because it makes everything better), and I often adapt my daily planning according to my sleep needs.

Two things are true: I’m nervous, and I’m excited.

William’s favorite outing: a trip on the train!

We are doing meal prep, and these are William’s lunches for the week (Monday-Wednesday).

“Even when you make a mistake, you’re still a good person”

Back in high school, one of our teachers always said, “Even when you make a mistake, you’re still a good person.” I thought it was funny back then, but I’ve been thinking about this for years.

Here are some other thoughts from this week:

I use my calendar to make my priorities clear and tangible:
Money in budgeting is like time in time management: you have a finite amount of each, and you need to choose how you spend your resource.

Motivation is overrated. If you want to change your behavior, create/modify habits instead.

People think I’m super organized, which is partially true, but I’m also flexible with my daily planning.

Sunday meal prep:

Family hike!