I always get a new planning calendar at the first of the year. It doesn’t matter if it is from Dollar Tree as long has it has days in months in it for the whole year! This is mine for 2022. I love decorating it with encouraging words using some of my old vinyl, so I am not out any money.
I like to plan the month out ahead of time and always plan on worst case scenario. Meaning, I plan on what our least amount of income has been prior. My husband and my check sometimes vary so I use the lowest we have made and budget using that income. This works for us, but if you receive the same amount every month then you can use that.
Before we started, I logged every penny we spent for a couple months, every day. This helped me to make sure I budgeted for any surprises. And boy did we have some, I didn’t plan on some pipes busting in the barn and needing to fix that nor did I budget for some tractors repair we needed. But this taught me to not only budget for repairs but to also add more to savings for that “just in case”.
Of course I use things like Fetch Rewards
I also like to use MyPoints to click on links and watch videos for points. You can redeem the points for gift cards! I have done this for years and at Christmas, I am able to cash my points in to give gift cards for gifts!
Of course, I love couponing on Saturdays at the Dollar General, so when I budget I add an amount that I can coupon shop with. I can stock up and still stay within my budget.
My other love is making money while I sleep! My friend sent me a link to sign up with Robinhood Stock Investment, so I did, and they gave me one stock. I have started buying one stock every pay period. I did a little research and found stocks that pay me dividends every quarter. I use that money to purchase even more, I am investing in my future!
Lastly, I have planted a ton of fruit trees on our property. Every Mother’s Day, Birthday & even Christmas, I have asked for fruit trees. We can save a ton of money not having to buy them. We also have free ranging chickens; these don’t require much feed and lay eggs daily for us.
I have adjusted and added to my budget the closer we get to my husband retiring, I don’t want any surprises to pop up and us not be prepared.
Let me know what you are doing to make sure you budget and stay focused!