Smart and Savvy: 3 Ways to Make Your Budget Work for You
Advice is great. There are many, many experts out there who really know their stuff. I believe I am one of them. I know A LOT about digital marketing, social media, etc (and more of that on the CreatiVix Media blog!) but I don’t know everything.
Does that mean I’m bad at my job?
Absolutely not! In fact, it means I’m better at my job because I recognize that there is always something else to be learned.
Financial experts share advice about the way you should budget based on their knowledge and past experiences. And that’s great. But what if that doesn’t work for you? How can you make it personal without taking it personally?
What do I mean by that? I mean that, as I said earlier, all education is important but none of it needs to be taken as gospel. [click to tweet]
Take what you like and Vix what you don’t -- that’s how I started on this journey.
I spent a lot of time in college and in my early 20s trying to do everything perfectly -- be the perfect girlfriend, the perfect best friend, the perfect diet-er, the perfect student.
And I was perfectly burned out in a matter of days I took on something new. As I moved forward in life, I made a promise to myself:
I would take in everything I could to continue learning but I would fix (and, later, Vix) the parts that didn’t resonate with me.
You know when things feel off. You know when you’re trying to force something in your life -- you feel sick, you feel “off.” And why should you spend even a moment feeling like that? Life is way too short in my opinion.
That’s how I came up with a budget that truly worked WITH me instead of against me.
Take on a Side Hustle: This is the easiest one. Want more money? Then hustle and make more money. You may be rolling your eyes, but I can PROMISE you there are ways to make money on the side even if you think you can’t because of X, Y and Z excuse. I wrote a post about it, click here to find ways to make money online.
Be Realistic: As someone who was only able to start saving in her late 20s (27 to be exact… and for those of you playing along that was LAST year), I can tell you that savings are a great thing to have. Like really great. But when I didn’t have savings? I didn’t die, I survived and, as I’ve realized, I always did save something. Start with very small goals. Last year, my goal was to save $1,000 a month for all 12 months of the year. I get paid in a very different way than I ever have so this money was money I wanted to have earmarked for savings, true savings that didn’t have to be allocated to any business or personal bills. And, come December 31, I did it. Did I put $1000 away every single month? Nope! So how did I accomplish the goal? By being realistic. I didn’t put the money in if it meant I had to sacrifice something (like SoulCycle) that I wasn’t ok with sacrificing… within reason. I don’t go out every night of the week nor do I order takeout every night of the week. Some of my former habits are negotiable for me -- and let’s be realistic, who actually feels good after four nights of martinis back to back? I made decisions that made this goal personal without taking it personally when I wasn’t able to stick to it in exacting detail.
Trick Yo Self: To treat yo self, you have to trick yo self financially. About five years ago now, I wrote a post for Budgets are Sexy about the best ways to save money. I went so far as to suggest that it would be a good idea to freeze your credit cards in a red solo cup if you don’t want to use them. It worked for me and some of these tips still work for me. A new favorite? Hide $5 bills in your wallet for the times you NEED a cab or Starbucks when it’s really not in the budget.
So there you have it, three ways to make your budget work for you while you #werk your way to success.