Happy Friday, everyone! I'm going to go ahead and apologize in advance for the fact that I'm taking a break from my regularly scheduled blogs of fun, food and the occasional fashion to talk about something a little more serious today. I need a budget! Like severely. I used to do really well with
Image found here
Now, just for the record, I am in no way accumulating massive amounts of credit card debt (or really any credit card debt for that matter - I learned that lesson long ago the hard way just like pretty much everyone else) or anything else like that with my current spending habits (husband, you can totally relax now); however, I am not saving nearly as much every month as I would like. I've found that it's just far to easy to click to the Transfer Funds tab in my on-line account when I find something that I
I've set budgets for myself in the past and I typically stick to them for about a month or so before I throw them out the window and deem them completely useless. I truly think this is because I don't set up realistic budgets. I've also thought about trying the whole Dave Ramsey thing (I would modify it a bit to fit my needs), but I honestly don't think I would stick to just spending what is in each envelope. I think in reality I would "borrow" from the un-fun envelopes to fund the fun envelopes when they are running low.
I have started limiting myself in the number of times during a week in which I'm allowed to "go run errands" during lunch and that definitely seems to be helping some. For you see, my new job is located in a fabulous part of town (Cool Springs for those of you familiar with Nashville) where I have pretty much any store I could ever want all within 5-7 minutes. This makes it very easy to go "window shopping" during lunch which inevitably ends with me taking home something I find that I just absolutely must have right that very minute!
So I'm asking for realistic budgeting/saving suggestions. Do you budget? What works best for you? What doesn't work at all? Honestly, any suggestions are welcome!
On a more fun note - I'm off to a weekend full of showering Abby with lots of cute stuff and maternity pictures with the husband - I'm so excited! Have a great weekend! See you all Monday!