Budgeting

Category

Changing Your Spending Mindset

If you haven't already figured it out, I'm a born spender.  The hardest part of my debt journey has been switching from a spending mindset to a saving mindset.  I go through phases of extreme frugality and occasionally end up splurging and spending $500 in a day on something I don't need.  I struggle with this every day and know its going to take time to fix.  So what can we as spenders do to change our mindset? Think of…

My April Budget 

I thought I would give some insight into what my monthly budget looks like in Google sheets.  I created this template years ago but didn't start using it seriously until my debt free journey started a year ago.  I use the "reverse budgeting" tactic.  Reverse budgeting means that you list out your income for the month, deduct all of you expenses and debt payments, and what's left is what you have to spend.  I get paid every two weeks so…