The problem between the budgets I set and I are sales, like really good ones. You know the kind where you get a $70 pair of shoes for $10 or $20. That's the problem I have and so do most of my friends. Lately, there has been a change, there seems to be more cash in my bank accounts than usual. The set budget for the month did not go over, it went under. Yes, some saving is happening.
When the year started, aka last month, only decisions were made not resolutions. Many people were doing the "no-buy month" thing, thought about it for a while but who am I kidding most of us cannot pass a good sale.
Some things which helped me were.... first to Prioritize major spending...every month there are things that we have no choice to spend on like bills (aka that iPhone, electricity, those credit cards etc.), calculate the amount for each and their overall total. Then, there is food which you need.
For things like food and basic necessities you should track your monthly spending for just that, with that you will have a buffer and know how much you approximately need on any given month for food.
Give yourself an allowance, be generous to yourself. There's only so much you can spend on and hoard for the rest of your life. Before you give yourself that allowance, go thru your stuff and give things away and use the things you already have. Now about that allowance my friend...give yourself like $100 just for random needs like shopping and maybe going out. Be frugal!
Follow my advice friends, and you will have bags and bags of money to buy all kinds of girl stuff like clothes, and shoes.
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