Saving money is hard. It's easy to feel like everything you make goes back out to pay bills and to buy groceries so that your family doesn't starve. In my last post I talked about letting go of cable tv, and when you are trying to save money, you cut things you can do without. I do not claim to be a finance guru or anything like that at all, but I do know if you spend more than you make – you won't get very far. You would think when as newlyweds with no kids and working full time, that you'd be able to save money easier than when you do have kids, or your job situation changes. I think that saving money is doable and would recommend to anyone to always save. You never know what life may throw you that you need that cash you have saved up. However, it's so easy to go and buy the things we want and go out to dinner and take trips, and the list goes on and on
We have lived in the same house since we got married over eight years ago but would like to build a new, bigger home in the next few years.
Have you priced having a home built recently?
Well, since we have, we are on the saving bandwagon for sure!! That is not the only reason why we want to save more money, but it's a great reason to, right? I feel that by slowly making changes and watching what we spend, we can save money. Like I said, when it SEEMS like all of your paychecks goes towards bills, you may feel as if there is nothing left to save or do anything else with it for that matter
This brings me to the genius excel spreadsheet I created for our use so that we could see every penny. It tells us what each of our bills is when it is due and the amount. I also created it so that I can see the whole year, and check off each month when something has been paid. No more panicking, did we pay that?! At least that is the goal. You could also include what you bring home each week or month and then see what you should have leftover. Doing this has helped us to see just what we have left once everything is paid and we can then take a portion of that and put into savings. I know there will be unexpected expenses, but most likely it won't be all the time, and this gives you a good starting point. We are not strict as strict on our budget as we could be, but everyone has to start somewhere right?
Take a look at my SIMPLE no brainer budget spreadsheet. It definitely needs some work, but for now it's perfect for my family and I.
Do you budget? Is it easy for you to save money? What are your financial goals? I don't want to have payments for the rest of my life!! By being intentional and making small changes, you can also be more aware of where your hard earned money is going!
I have included the spreadsheet that I created for us to use to keep track of our bills. It is very generic to fit your needs, and you also have room to add the amounts and due dates of each bill.