How to Live on a Budget
It?s not even necessary to say ?out loud? that economic times are tight. Everyone is feeling a pinch right now and in order to survive financially, you may need to learn how to live on a budget. Once you put your life and money into perspective, and on paper, living on a budget is not a difficult thing to do.
First you?ll want to create a budget. If you are spending and then wondering where your money is going, creating a budget on paper will help significantly. You?ll want to make a list of all your monthly expenses. Don?t worry just yet about how much money you make. Simply round off the numbers and list out figures for all your monthly expenses such as rent/mortgage, car payment, insurances, gas, and utilities, as well as groceries, household expenses, entertainment costs, and anything else that you spend money on each month.
Now you?ll want to subtract the total from your list above from what you bring in each month. If you?re spending more than you make, of course that?s a problem. In order to figure out how to live on a budget you?ll need to start making cuts. Begin with the expense that you need/want the least. Perhaps you pay $ 80 per month for a cable television bill. Think about how often you actually watch television, how often you rent movies or download movies online, and how often your favorite television programs are on local broadcast anyway. It?s quite possible to live without cable television. It?s a luxury that is really unnecessary. The thought of disconnecting service might actually be more painful than the act itself. You?ll be surprised at how much time you?ll have to complete other tasks or go to fun places if you don?t have access to a sofa in front of 900 channels.
Check through your list and find other entries that can either be eliminated or downsized. Perhaps with better planning you can save gas money. Perhaps you could use your landline telephone more often and cut your cell phone bill in half. Maybe you could plan for more free events for entertaining your children, or take up a hobby instead of drinking at the bar every Friday.
With a little bit of creativity in these tough times, anyone can save more money and learn how to live on a budget. The economy will turn around and this won?t take forever. If necessary, you can allot a monthly or weekly amount towards a habit you find hard to break. Perhaps you just don?t want to stop drinking coffee from Starbucks (though brewing your own would be much cheaper!) Living on a budget doesn?t have to take all your little luxuries away. Simply limiting your Starbucks purchases to twice a week, maybe Monday and Friday, and brewing your coffee the rest of the time, will cut back some of your spending. Make your own lunches a few days a week, or carpool one day per week. With a little bit of thought, so many of our habitual expenses will disappear painlessly.
Shop for deals, turn off the lights, cut off the cable, attend free events and pay off high interest bills. Focus on the greatest parts of life and stop stressing about money. Keep better track of how much you?re spending and on what. You?ll soon see your financial outlook shining a little more brightly.
Written by ibloomdrop
Writer, Intuitive, Law of Attraction, Owner of SuccessAchievements.com
This is the video of the opening song seasons of love from the kick ass RENT movie, i would tell you the cast but this has the opening credits so it would be a bit pointless 
but it does star the amazing Idina Menzel and Tracie Thoms, enjoy… (sorry if it is a little high pitched i really have no idea why lol)…
Video Rating: 4 / 5
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