Sticking to one's budget requires two things-: 1. Committed decision and, 2. Self discipline. It is difficult to achieve anything of significance without these two qualities. Remember that you are dealing with a habit of reckless spending and you now have to replace it with a culture of responsible spending. Don't despair if you fall off the wagon. The most important thing is to get back on. You will be dealing with paradigms that took years to develop. It will be an injustice to try and change them over night. Give yourself some time, NOT TOO LONG.
I agree with Mpho Mokobi, committed decision and self discipline are musts if we are going to stick to a budget. In a society of indulgence and instant gratification, the concepts of waiting, patience, and frugality are almost extinct! My husband and I are actively working on getting out of debt and we are learning that it really is true that sticking to a budget, getting out of debt, really all things financially responsible, is almost entirely BEHAVIOR!! Whether we have $10 or $10,000 to spend or save, if we don't monitor our behavior, all the know-how and financial guru-ness means nothing! I've also found its helpful to add a little "treat" money every few months, nothing elaborate, just enough to congratulate yourself on a job well done thus far...
This article discusses all the reasons we fall into temptation. The way things are advertised, the setup of merchandise, vast number of products and easy credit makes hard to stick with your budget. read more
Preparing for a budget might be easier than sticking to one but it will pay off in the long run. If this is your first time at planning a budget there are some helpful tips to get you started. read more
Going shopping is easy with a credit card in your wallet but the day of reckoning comes and the money in the bank can't cover the repayments. Keeping the family budget on track is easy, if you know how. read more
Find cheap hotels in Paris. Inexpensive hotels in Paris Visiting Paris and finding budget accommodation in the
city is simply a matter of careful planning.
There is a wide range of budget hotels in Paris; you can find anything from... read more
Here's my hub ...
'Time proven ways to save money'
Relax and unwind is the key to a fun vacation-so why have to return to work knowing you blew your budget on a good time? Here are some tried and true tips to enjoy and stay within your budget so you can have a worry free vacation. read more
By default, I start on a zero budget. This means, that every single expense has to be justified. I think this is a good point to start with.
For most people, Paris is synonymous with the Louvre, one of the most popular museums in the world. What most people travelling to Paris do not know is that if planned carefully, they can visit the Louvre for free! read more
Who wouldn’t want to go on a travel vacation without spending too much on the pocket? I bet everyone does.
Yet in this tight economy we are living, traveling for a family vacation without a plan to save money can be very expensive. To some, it... read more
Hotel plays an important part in your vacations as a stinky room can let your mood down. So, you must make sure that the hotel you are going to stay should have all the things that will make your vacations worth remembering. read more
Eating on a budget in Paris. Find here a list of Free restaurants, cheap takeaways and amazing picnic areas. Good quality cheap eating in Paris. read more
Being a homeschooling mother to three children has given me plenty of practice at doing everything on a shoestring budget. We have learned to make do and do without. But honestly, who WANTS to do that? Personally, I want to be able to have nice... read more
In previous articles, we learned
about how to manage our personal finances, then we learned about how to improve
them with savings, investment, future financial planning, setting goals and
achieving them, but today I am going to share with you some... read more
This article is a crash course on using coupons and saving money of your grocery bill, Numerous ways to reduce you grocery bill are reviewed, along with shopping tips. read more
Creating an energy efficient house can be achieved with very little effort on your part. The article explains what type of appliances to purchase, the use of programmable thermostats, and more. read more
Holidays have become one of the most expensive parts of life. It seems that they become more commercialistic every year! How is someone on a budget supposed to keep up with it?! First take a deep breath. Holidays are a time to be with friends and... read more
Do you know when the best time to shop for optimal savings is? Read this hub to find a calendar of monthly savings throughout the year. read more
When we move from boom times to tough times, cost cutting becomes an unwelcome imposition. But approached systematically, it can be a fairly simple exercise. read more
Don't equate 'frugal' with cheap. In today's economy saving money is a necessity. Here are tried and true tips for effective family budgeting. read more
Budget Vacation Tips - Unconventional Ideas for Saving Money read more
A budget blooper is something that was not in the budget, is significant enough to bloop it, and could be avoided if there were a strategy to deal with it. Budget planning in the simplest sense involves placing limits on what you want to spend over a given time period. read more
If you are looking for ways to save money on your household budget and begin a program of cost reduction, then you've come to the right place. I'll share tips on how to quickly save money and reduce costs. You might want to begin a cost reduction... read more
There are numerous ways to cut your everyday expenses. This article covers ways to cut housing costs, including those for household goods, automobile expense, property taxes and everyday expenses. read more
If, like me, you cringe at how much money you have to pay when its time to fill up your car with fuel and you want to know more about fuel economy and fuel efficiency tips so that you save money on your household budget then read on. Here are... read more
You can stick to your budget by avoiding buying anything at all that is unnecessary. In times of strictness, I do without. I think of all the clutter and things that I already have at home. But if a family member needs help or there's an emergency, then don't be foolish. Go ahead and spend. If you have a credit card, it's not the end of the world to carry a balance at reasonable interest rates. It's better to hold some money in savings, than to pay off the credit card. So never do anything unnecessary when you've got your back to the wall because nothing is coming in to pay the bills. But even at such dire times, act immediately to resolve a crisis emergency and run up the credit card.
Did you know there is a best time of the day to buy airline tickets in order to save money? There is a best day, too! Find out easy ways to save on airline tickets! read more
It's best to make New Year's resolutions in December, but many of us are late starters, so what better time than now to make a resolution? Now that the partying of the holiday season is over, you've decided upon a New Year's resolution. What are... read more
If you think that 'budget' is a bad word then check out the useful tips in this hub. In just three easy steps (aren't they all?) you can teach your teen or yourself better money management. Important info in today's economy. read more
In order to plan a budget, you need to have money. That was how I used to think about budgets. I figured that I didn't have a large enough income to be able to or need to budget anything! I thought I would just pay my bills, and hope that there was... read more
Sticking to ones budget is one of the important things in personal finance . This involves the part where we save , and the part where we consider the importance of what we will be spending upon .
by Wendy Iturrizaga 8 years ago
Hello Hubbers? Ready to continue seeing your money growing with every hub submitted? HubMobster Pamela 99 is already reaping the rewards of taking part in both the HubMob and the Contest. Pamela99 was the lucky winner of $50 for the Tuesday 11th January drawing with her hub...
by Wendy Iturrizaga 8 years ago
HubMob Weekly topic: It’s Party Time
by Ryan Hupfer 11 years ago
Whether you have a green thumb or not, getting in touch with your inner gardening-freak is never a bad thing and we've decided to touch on it today with this week's HubMob topic of Green Thumb Hubbers: Landscaping, gardening and loving your yard. I have put some research into seeing what are great...
by Ryan Hupfer 11 years ago
This week's HubMob has taken more of a consumer, money-spending, self-indulgent shift, which is totally OK with me. You see, this week's HubMob Topic of Products, Products And More Products! Hub about a product that you love or that other people love is designed to appeal to that inner mall-loving,...
by Wendy Iturrizaga 7 years ago
HubMob Weekly topic: Financing your Retirement
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