4 Tricks to Create a Successful Budget

Do you have trouble creating your budget?  Check out these 4 tricks to create a successful budget for some tips on getting it right the first time.

We all know how important it is to have a budget. You may have even tried creating a budget for your family, but had trouble sticking to it. It happens to many of us. It can be hard to create a good budget that works for your family. However, there are tricks to create a successful budget. Let’s take a closer look.

Be Realistic

One of the biggest mistakes people make is to create a budget that drastically limits the amount of money for variable expenses. For example, you may budget $200 a month for groceries, but end up spending $600.

It’s all well and good to want to cut your expenses, but you have to be realistic. This means you want to track your expenses for a couple months to see what you actually spend and budget accordingly.

Plan for Splurges

Another big mistake people make is to put all their budget towards bills and household expenses, but fail to give themselves permission to splurge a bit. If you do this, you will never stick to your budget.

You want to pay yourself a small amount of your income to use on whatever you want. It can be a pedicure, craft supplies – whatever you want. When you have money to burn, you’ll be much more likely to stick to your budget.

Use the Envelope System

The envelope system is a method of budgeting that limits the amount you can spend on variable expenses. The way it works is that you put the amount of money you want to spend that week in an envelope.

For example, you might put $200 a week in an envelope for groceries and household items. You might have a second envelope for entertainment and eating out. The types of expenses will vary from person to person.

When you need to buy those items, you pull money from the envelope instead of using your debit card. This forces you to not overspend. You want to leave your debit cards at home so you have to use cash.

This makes you think more carefully about the items you purchase. People actually have a harder time handing over cash rather than swiping a card.

Follow the Zero-Based Budget

It can be so rewarding to see your efforts pay off. With the zero-based budget, all your money has a purpose. This means that you can put any income that is left at the end of the money towards paying off your debt or even saving for a vacation. This can be so rewarding and will encourage you to stick to your budget.

It doesn’t have to be hard to stick to your budget. There are so many little tricks you can use to create a budget that’s successful.

Cheap Kindle Book: To Whisper Her Name (A Belle Meade Plantation Novel Book 1) for $1.99 (88% off)

To-Whisper-Her-Name

For a limited time, you can buy To Whisper Her Name (A Belle Meade Plantation Novel Book 1) Kindle book written by Tamera Alexander for only $1.99 (88% off) from Amazon.

About the book:

USA Today Bestseller

From the USA Today bestselling author of A Lasting Impression and A Beauty So Rare comes an exquisite historical novel set against the real history of Belle Meade Plantation in Nashville, TN that explores the struggles of real people of the post-war South and the journeys of a man and a woman scarred by betrayal.

Olivia Aberdeen, destitute widow of a man shot as a traitor to the South, is shunned by proper society and gratefully accepts an invitation from “Aunt” Elizabeth Harding, mistress of Belle Meade Plantation. Expecting to be the Harding’s head housekeeper, Olivia is disillusioned when she learns the real reason Elizabeth’s husband, Confederate General William Giles Harding, agreed to her coming. Not finding the safe haven she expects, Olivia is caught off guard by her feelings for Ridley Adam Cooper, a Southern man who seems anything but a Southern gentleman.

Branded a traitor by some, Ridley Cooper, a Southern son who chose to fight for the Union, is a man desperate to end the war still raging inside him. Determined to learn “the gift” that Belle Meade’s head horse trainer and former slave, Bob Green, possesses, Ridley harbors secrets that threaten both their lives.

As Ridley seeks to make peace within himself for “betraying” the South he loved, Olivia is determined to never be betrayed again.

Please note: Kindle prices tend to change quickly, so be sure to check that the total still says $1.99 before you “purchase” it.  If you do accidentally purchase a Kindle book after the price has increased, you do have a short amount of time to request a refund from Amazon.

You don’t need to have an actual Kindle to read the FREE Kindle books (although the price has dropped to only $69 for the cheapest Kindle Reader).  You can read Kindle books on your computer, iPhone, iPad, and more.

Between the FREE books from Amazon and Kindle books I’ve checked out from the library, I’ve been having so much fun reading on my iPad.  I really thought I wouldn’t like not having a physical book, but I love it.

If you’re interested in Kindle freebies, you can check out the current FREE Kindle books.

FREE Kindle Book: With Each New Dawn

Right now, you can download With Each New Dawn Kindle book written by Gail Kittleson for FREE from Amazon.

About the book:

In war-torn London, American Kate Isaacs grieves her husband, awaits their child’s birth, and welcomes her best friend Addie. But after her miscarriage, another meeting with mysterious Monsieur le Blanc launches her into Britain’s Secret Operations Executive(SOE). In late 1943, Kate parachutes into Southern France to aid the Resistance.

Domingo, a grieving Basque mountain guide-turned-saboteur, meets her parachute drop, tends her injured ankle, and carries her to safety. Reunited a few months later, they discover the injured Monsieur le Blanc who, with his dying breath, reveals a secret that changes Kate’s life.

In the shadow of the Waffen SS, Domingo’s younger brother Gabirel is missing. While Domingo seeks Gabirel, Domingo’s parish priest, Père Gaspard, creates a new identity for Kate.

As Kate and Domingo subject their mutual attraction to the cause of freedom, can mere human will and moral courage change the war’s tide and forge a future for them?

Please note: Kindle prices tend to change quickly, so be sure to check that the total still says $0.00 before you “purchase” it.  If you do accidentally purchase a Kindle book after the price has increased, you do have a short amount of time to request a refund from Amazon.

You don’t need to have an actual Kindle to read the FREE Kindle books (although the price has dropped to only $49 for the cheapest Kindle Reader).  You can read Kindle books on your computer, iPhone, iPad, and more.

Between the FREE books from Amazon and Kindle books I’ve checked out from the library, I’ve been having so much fun reading on my iPad.  I really thought I wouldn’t like not having a physical book, but I love it.

If you’re interested in additional Kindle freebies, you can check out the current FREE Kindle books.

Printable Coupon: $0.75/1 Softsoap Brand Body Wash + Target Deal

There’s a new printable coupon available for $0.75/1 Softsoap Brand body wash that you can combine with a Target gift card deal this week to get a good deal after all discounts.

Deals available this week using the coupon include:

Target:

Buy (4) Softsoap Body Wash (15 to 18 oz.), $2.97 ea.
Get $5 Target Gift Card wyb 4

Use (4) $0.75/1 Softsoap Brand body wash printable coupon
Total after Coupons and Gift Card: $0.97 ea/

Thanks Totally Target!

Additional printable coupons available include:

For additional printable coupons, you can see the entire list at Coupons.com, CouponNetwork, Smart Source,or Red Plum or search for coupons in my Coupon Database.  Plus, check out the daily featured printable coupons with deals.

If you’re interested in online coupons, you can search my Online Coupon Code database.

2017 Entertainment Book: $5 + FREE Shipping

Through 7/31, you can order all 2017 Entertainment Books for only $5 with FREE US shipping. What is the Entertainment Book? It's a coupon book full of discounts for various restaurants, shopping, services, movie tickets, car care, local attractions, hotels, travel, groceries and more. Most people … [Continue reading...]

Scrubbing Bubbles Antibacterial Bathroom Flushable Wipes (28 ct.): $2.38 + FREE Shipping

Right now, you can order Scrubbing Bubbles Antibacterial Bathroom Flushable Wipes (28 ct.) for only $2.38 after the 5% Subscribe & Save discount and 20% off eCoupon.  Plus get FREE shipping on your order. Here's how it works: Visit Amazon to get Scrubbing Bubbles Antibacterial Bathroom … [Continue reading...]

4 Reasons Why You Need a Zero-Based Budget

Zero-based budgeting my be a term you've never heard of, but it's something that can truly change the way you spend your money. The goal of zero-based budgeting is to have a plan for every dollar you bring in each month. In other words, all of your income has a purpose. According to the Dave … [Continue reading...]


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