Have you ever been in a situation that made you want to go over your budget? Maybe it’s going out to eat with friends or shopping at a store you haven’t been to in a while.despite you on budgetdoes it really hurt to treat yourself to something you like or order a more expensive entree?
All of these treats stack up quickly. Money expert Dave Ramsey shared his recommendations for: X, formerly known as Twitterstay away from people and places that make you want to go over your budget.
“It is human nature to want it, to want it now. It is also a sign of immaturity. Ramsey tweeted.
What if I’m having trouble sticking to my budget? Follow these 8 tips to stay on track with your spending plan.
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1. Be realistic
A strict budget that leaves you no time to breathe is not sustainable in the long run.Posts about Ramsey Solutions We recommend that you set all lines within your budget realistically. This helps you stick to your budget and reach your financial goals.
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2. Automate payments
The more aspects of managing your money, like retirement savings or paying bills, that you can automate, the less money you have to spend on things you don’t really need.
3. Meal plan
Instead of figuring out what to eat for breakfast, lunch, and dinner or eating out, plan your meals for the week and shop for groceries accordingly.
4. Think about your weekly spending
Ramsey Solutions’ post recommends breaking some of your budget down into weeks to spread out your spending. If your personal spending budget is $300, consider splitting it into $75 each week.
5. Check your social calendar
What special day or event is coming up in your social life? To prevent overspending, you can start budgeting now and stick to it without being surprised by bills later.
6. Stick to your budget
Sticking to a budget takes a lot of effort and willpower. Sometimes you have to say “no” to impulse buys or expensive things just because they don’t fit within your budget. that’s ok.
7. Do not use credit cards
Choosing not to use credit cards means reducing your chances of spending more than you earn. The Ramsey Solutions post recommends using cash or a debit card to pay for the items you want.
8. Get an Accountability Partner
You don’t have to budget alone. Find a close friend, partner, or family member to call on you when you’re falling short of your budget and to encourage you to keep going.
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This article was originally published on GOBankingRates.com: Dave Ramsey says stay away from people and places that break your budget