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32 Hacks for Sticking to Your Budget

32 Hacks for Sticking to Your Budget

In January, we asked you for your tips about living within your means and keeping to your budget, with the chance to win a db clay wallet. You gave us 144 responses in total – some of which had excellent advice.

Here’s our round-up of the best tips and tricks for budgeting:

1. Don’t spend more money than you have.

2. Stick to your grocery lists – compile them based on an itemized overview of your household needs and never stray too far from it.

3. In a similar vein, never go grocery shopping hungry!

4. Keep your receipts, or write your own – at the end of each day, list your expenditures. At the end of the month, group those expenditures to create a simple overview of where you’re spending too much or even too little.

5. Pack a brown bag lunch each day. Save hundreds, or even thousands, of dollars each year.

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6. Develop a distaste for Starbucks.

7. Talk yourself out of purchases. Ask yourself, do I need this? Think of various ways you can avoid a purchase that seems necessary through innovative MacGyvering.

8. You don’t need the $100 shirt from the pricey store when there’s a $10 equivalent at the thrift store. You don’t need a room-sized plasma TV when your old CRT still works.

9. Remind yourself frequently of your financial goals, especially when you’re at the mall: paying off a big debt, retiring early, the Macbook Air. Remind yourself that by living frugally, you’re at least in some small way helping the environment.

10. Use cash. Take money out of your account and use real cash from a real wallet to pay for your daily expenses. When you run out of bills, you run out of money to spend.

11. Use credit. Run your finances on credit cards so that you don’t lose big money over the course of the year in spare change spent on coke and McDonalds. Always repay within 48 hours.

12. Never watch commercials. Get a PVR.

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13. Sleep on your purchases. Give yourself a night to consider and rationalize before buying a new toy, and if you rationally decide you need it, you can go back and get it. Mac users may need to take longer – much longer.

14. Review your budget and spreadsheets regularly. Keep your financial situation constantly fresh in your mind. This helps to curb your desire to spend, spend, spend, ensures you know how much you actually have to spend if you need to, and motivates you to pay off debt and save more.

15. Use spreadsheets instead of expensive apps like Quicken – use Google Docs for spreadsheets and you can even save on overpriced office software.

16. Use every last scrap of every last thing you purchase. Don’t waste anything. Don’t leave taps running, don’t throw out the quarter of a plate of dinner you didn’t eat.

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    17. Become a power Nazi. Switch off lights and appliances at every opportunity, and tweak your computer’s power settings to give you the optimum balance between power savings and practicality.

    18. Think about money philosophically – consider your spending behavior as a reflection of who you are. If you would not like to be defined by your purchases of cigarettes, hard liquor and pork rinds, reconsider and make better purchases that reflect the person you’d like to be.

    19. Respect money like you do your family heirloom; that which you respect, can’t be hastily thrown away. It’s not about how much you make, but how much you save.

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    20. Exercise in the great outdoors, or use your own body weight – forget expensive gym memberships and personal trainers.

    21. Diligently organize rebates and send them in on time, every time.

    22. Do extensive research before all purchases, especially impulse purchases. Find the best price online or off, even if it’s “almost new” from eBay.

    23. Do extensive research not only on price, but on durability and quality; buying everything from Crazy Clark’s is a bad decision as far as your long term savings go.

    24. Don’t fall for the vicious technology upgrade cycle. Your laptop is still fine until there’s something actually wrong with it; performance is all in the software you run. Do you need to be running Vista or Leopard or the latest version of Photoshop? For most people, probably not. Wishing for more drains what you have.

    25. If you come under your budget, save the excess. There is no legal obligation to spend it!

    26. Pay yourself first. Take 10% or so off the top of your income and save it before you even start paying bills.

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    27. Base your meals on cheap, but nutritious, food sources instead of fresh produce that goes off quickly all the time. They might be a better food source, but if you want to pinch pennies go to grains, lentils, legumes and beans.

    28. Preventing an impulse purchase with this motivation hack: simply think about how many hours it took you to earn that amount.

    29. When keeping track of credit card purchases, put them into your checkbook as soon as the transaction occurs. That way the checkbook will always have as much money as you actually have, letting you freely pay off your credit card when the time comes.

    30. Don’t keep credit cards in your wallet, or near any of your computers with an Internet connection.

    31. Water is cheap (for the time being) and can easily replace most other beverages, such as soda – just not coffee.

    32. Borrow books from your library, don’t purchase them. This puts an imperative on you to actually read your books (how often do the ones your purchase just sit on the bookshelf?) and saves huge amounts of money if you read a decent amount.

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    How to Motivate Yourself: 13 Simple Ways You Can Try Right Now

    How to Motivate Yourself: 13 Simple Ways You Can Try Right Now

    Who needs Tony Robbins when you can motivate yourself? Overcoming the emotional hurdle to get stuff done when you’d rather sit on the couch isn’t always easy. Bu unless calling in sick and waking up at noon have no consequences for you, it’s often a must.

    For those of you who never procrastinate, distract yourself or drag your feet when you should be doing something important, well done so far! But for the rest of you, it’s good to have a library of motivational boosters to move along.

    Stay motivated even without motivation tricks

    The best way to motivate yourself is to organize your life so you don’t have to. If work is a constant battle for you, perhaps it is time to start thinking about a new job. The idea is that explicit motivational techniques should be a backup, not your regular routine.

    Here are some other things to consider making work flow more naturally:

    • Passion – Do things you have a passion for. We all have to do things we don’t want to. But if life has become a chronic source of dull chores, you’ve got a big problem that needs fixing.
    • Habits – You can’t put everything on autopilot. I’ve found putting a few core habits in place creates a structure for the day. Waking up at the same time, working at the same times and having a similar productive routine makes it easier to do the next day.
    • Flow – Flow is the state where your mind is completely focused on the task at hand. While there are many factors that go into producing this state, having the right challenge level is a big part. Find ways to tweak your tasks so they hover in that sweet spot between boredom and maddening frustration.

    13 Simple ways to motivate yourself

    Despite your best efforts, passion, habits and a flow-producing environment can fail. In that case, it’s time to find whatever emotional pump-up you can use to get started:

    1. Go back to “why”

    Focusing on a dull task doesn’t make it any more attractive. Zooming out and asking yourself why you are bothering in the first place will make it more appealing.

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    If you can’t figure out why, then there’s a good chance you shouldn’t bother with it in the first place.

    2. Go for five

    Start working for five minutes. Often that little push will be enough to get you going.

    3. Move around

    Get your body moving as you would if you were extremely motivated to do something. This ‘faking it’ approach to motivation may seem silly or crude but it works.

    4. Find the next step

    If it seems impossible to work on a project for you, you can try to focus on the next immediate step.

    Fighting an amorphous blob of work will only cause procrastination. Chunk it up so that it becomes manageable.

    5. Find your itch

    What is keeping you from working? Don’t let the itch continue without isolating it and removing the problem.

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    Are you unmotivated because you’re tired, afraid, bored, restless or angry? Maybe it is because you aren’t sure you have time or delegated tasks haven’t been finished yet?

    6. Deconstruct your fears

    I’m sure you don’t have a phobia about getting stuff done. But at the same time, hidden fears or anxieties can keep you from getting real work completed.

    Isolate the unknowns and make yourself confident, you can handle the worst case scenario.

    7. Get a partner

    Find someone who will motivate you when you’re feeling lazy. I have a friend I go to the gym with. Besides spotting weight, having a friend can help motivate you to work hard when you’d normally quit.

    8. Kickstart your day

    Plan out tomorrow. Get up early and place all the important things early in the morning. Building momentum early in the day can usually carry you forward far later.

    Having a morning routine is a good idea for you to stay motivated!

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    9. Read books

    Read not just self-help or motivational books but any book that has new ideas. New ideas get your mental gears turning and can build motivation. Here’re more reasons to read every day.

    Learning new ideas puts your brain in motion so it requires less time to speed up to your tasks.

    10. Get the right tools

    Your environment can have a profound effect on your enthusiasm. Computers that are too slow, inefficient applications or a vehicle that breaks down constantly can kill your motivation.

    Building motivation is almost as important as avoiding the traps that can stop it.

    11. Be careful with the small problems

    The worst killer of motivation is facing a seemingly small problem that creates endless frustration.

    Reframe little problems that must be fixed as bigger ones or they will kill any drive you have.

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    12. Develop a mantra

    Find a few statements that focus your mind and motivate you. It doesn’t matter whether they are pulled from a tacky motivational poster or just a few words to tell you what to do.

    If you aren’t sure where to start, a good personal mantra is “Do it now!” You can find more here too: 7 Empowering Affirmations That Will Help You Be Mentally Strong

    13. Build on Success

    Success creates success. When you’ve just won, it is easy to feel motivated about almost anything. Emotions tend not to be situation specific, so a small win, whether it is a compliment from a colleague or finishing two thirds of your tasks before noon can turn you into a juggernaut.

    There are many ways you can place small successes earlier on to spur motivation later. Structuring your to-do lists, placing straightforward tasks such as exercising early in the day or giving yourself an affirmation can do the trick.

    With all these tips I’ve shared with you, now you know what to do when you’re feeling unmotivated. Find your passion and develop a positive mantra so when the next time negativity hits you again, you know how to stay positive and motivated!

    Featured photo credit: Pexels via pexels.com

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