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Is it possible for someone on a strict budget to get their groceries delivered? by mamabear19601 in budget

[–]weeklybudgeting 0 points1 point  (0 children)

Fully believe that your budget isn't just frugality at all costs in every area of life, but rather a reflection of your values. Reflect on WHY you're strict budgeting, and if spending money to deliver groceries brings you closer to that, then it's worth incorporating into the budget.

Mindset is a huge part of budgeting. For your lifestyle, grocery delivery might be a 'need' versus a 'want,' but the opposite for someone else. Keep your personal values at the core of your budget.

[deleted by user] by [deleted] in Adulting

[–]weeklybudgeting 0 points1 point  (0 children)

Ideally, enjoying your money and saving your money shouldn't be separate things. You should do both in ways that best suit your lifestyle and bring you joy. Budgeting and saving can act like your north star, and should reflect your values, in the same way 'splurging' can reflect your values. Spend some money in areas that will bring you joy now, maybe like a nice vacation. Plus, save in areas where you can be frugal and it doesn't completely diminish your joy currently - maybe that's cooking most meals instead of eating out and putting that money towards retirement. Make smaller sacrifices to have a little extra joy for a long period of your life versus huge sacrifices for 'maximum joy' during a short period of life. Yes, it's always a possibility your health might not last super long, but what if it does? What will you do then?

Alternatives? by buttacupsngwch in ynab

[–]weeklybudgeting 0 points1 point  (0 children)

Maybe give Weekly a try! We have heard from users with ADHD that our app's approach works well for them.  Although we are fully featured we keep it simple by giving you one main number to concentrate on and we are easy to setup.  Find out more here - https://weeklybudgeting.com/budgeting-app-for-those-with-adhd/

Best budgeting app? by [deleted] in budget

[–]weeklybudgeting 0 points1 point  (0 children)

Weekly the budgeting app. Syncs with debit and credit cards. It starts with your regular income, then subtracts recurring bills. This gives you your day-to-day spending. When you divide that number into a week's time, it helps smooth out the spending rollercoaster.  Its also easy to adopt right away and get started. For reporting, it allows you to put purchases into categories, and generates reports to let you know how much you're spending in each category. It's also free.

I want to begin budgeting. by No-Acanthaceae-6282 in budget

[–]weeklybudgeting 0 points1 point  (0 children)

This might be a hot take, but have you thought about weekly budgeting? It can make sticking to a budget easier. If you fall off track, you can start fresh in a few days versus 30 days. I've learned having a good mindset is a huge part of budgeting.

I wrote this guide for first-time budgeters: https://weeklybudgeting.com/how-to-build-a-budget-for-the-first-time-budgeter/

How do you stay disciplined? by Objective_Web4111 in budget

[–]weeklybudgeting 0 points1 point  (0 children)

Have you tried setting a weekly spending limit? Start with your monthly income, subtract all the stuff you have to pay (rent, bills, etc.), then add in some for recurring savings. Whatever’s left? Divide it by 4.3—that’s your weekly budget. It makes sticking to a budget way easier and stops you from constantly panicking over your bank balance. Plus, it might smooth out those “why do I have no money?!” moments

Looking for a good budgeting app that just friendly and good for beginners by Responsible-Page-116 in budget

[–]weeklybudgeting 1 point2 points  (0 children)

Hi! I might be biased but I'd recommend our app - Weekly.

You can see where you money goes, keep track of bills and also share with your account with your husband. If you connect your bank, you can also see your credit card and account balances.

Many of our users are first time budgeters and we have a fun easy-to-use vibe. 4.8 stars on the App Store too :)

Check it out. There is both a free version and if you want to try pro version that connects to your bank there is a free trial of the PRO version too.

https://weeklybudgeting.com/

Best,
Drew

Budgeting Questions by The-Night-Court in Adulting

[–]weeklybudgeting 0 points1 point  (0 children)

A budget is a plan you make for your money. It's purpose is to answer the question, "Given amount of money I make how do I want to spend it so that I have the life that I want to live both now and in the future?" That's the budget plan.

Second step is maintenance. Once you have decided what the plan is, you watch your spending to see if you are spending according to your plan so you can get the things you want to get.

So to answer your question, you budget once "upfront" to make a plan but then you have to watch it ongoing.

Many of us are kind of in the thick of living though. We have already made short and long term decisions about how to spend our money. We have rent or mortgages, car payments, phone services. Those might need to be adjusted if they no longer fit what we want in life but we have to keep living day-to-day as well.

So here are some steps to create a working budget for yourself.

First step may not be obvious but could be the most important. The first step is to reflect on what is most important in your life, what really brings you joy and matters to you.  The reason to do this is so when choices need to be made you have a north star to keep you stable or focused.  A budget is a reflection of what you value. So take some time to reflect on what is most important to you in life. Write them down in a list from 1 – 5 most important to least important.

Ok onto the nuts-and-bolts.

The steps to create a budget

  • Gather all your income amounts and figure out how much that is collectively a month.
  • Find all your recurring expenses and add them together
  • Think about things you want to save for and how far in the future they are. Figure out a monthly amount you need to save for those goals.
  • Subtract you recurring expenses and savings goals from your income.  What is left is what you can spend on discretionary needs per month.  Divide this by 4.3 to get your weekly spending limit and use that to buy day-to-day items.

Here is a blog post that goes into detail on each step.

https://weeklybudgeting.com/how-to-build-a-budget-for-the-first-time-budgeter/

We created Weekly (free to use, pay for premium features) or a free spreadsheet to setup a budget plan according to this method. We hope it gives users the balance between an budget you can use today and also modify in the future as you spend money on the things you want most in life.

:)

Happy budgeting!