One major stress of budgeting is that no one person gets paid the same way. If you get paid once a month, you have to find ways to make your money last all month long so you’re not eating rice and beans by the end of the month. When you get paid twice per month you have to be smart about breaking up your bills so that you still have relatively the same amount of spending money throughout the month. What if you get paid odd income? How are you supposed to plan for it when your pay isn’t always consistent? These are questions that so many have and this post will break down the best budgeting strategies for your paycheck.
If you would have told me 3 years ago that I would not only be able to manage a credit card but to also use it wisely enough to get paid from it, I would have thought you were crazy. But, I would have totally dug the idea! Credit card hacking is on the rise and after getting a few travel hacking perks from a credit card, I decided to try out CapitalOne Quicksilver with cash-back rewards. Here’s how we wound up staying out of debt, making the cash-back bonus award and
It’s pretty well known that we busted our butts to become debt-free in early 2019. What might not be as well known is that I nearly drove myself to the brink of insanity while we did it. We scrimped and saved and put as much money toward debt each month as we could. We were very “gazelle intense.” When I’d work to make extra money, nearly all of it would go toward debt payoff. While I don’t regret becoming debt-free, I definitely see now that there was a better approach to it.
The internet is flooded with people trying to teach you all of the right ways to budget as a financial blogger, I have people constantly requesting for my best budgeting tips. For the longest time, I was too afraid to tell them I don’t actually like budgeting. To take it a step further, I spend less than an hour a month managing my budget! Even still, I am growing wealth and enjoying my life completely. No more paycheck to paycheck stress. What’s the secret? Budgeting is a waste of time. Let me break it down.
I finally admitted something that was super terrifying to admit, especially when you’re a part of the #debtfreecommunity. That is that I’m not totally gazelle intense any more. If you’ve taken Dave Ramsey’s Financial Peace University classes then you know what I’m talking about. Gazelle Intense is a way of explaining extreme debt payoff. Like a gazelle running for its life from a lion. It is a great motivational tactic, but for me, it almost caused me to have a nervous breakdown.
Whether you are working to pay off debt, live life on a budget or just want to get some creative date night ideas, I’ve got everything you need right here! Tom and I have worked to make date nights a weekly event and we intentionally keep our spending around $100 per month. This averages to $25 per date night. To help inspire you I wanted to share 30 of our favorite date night ideas under $25.