Uncommon But Powerful Budgeting Strategies

We all believe that we are living on a budget. We surely in our own minds know how to manage our finances. Most of us even see ourselves being debt free one day. However, how much better would life be if the “one day” could actually come sooner than we think? Well, with these eight less considered budgeting strategies, you can see the additional funds you desire within hours when you out them into practice.

Pay in Cash

We live in a world where debit and credit cards dominate. They are easy methods of payment and they are easy to carry. However, they may also be an easy way for us to lose track of our spending due to their convenience.

When you check your account online or at the ATM, you can get a realistic number of what you have available to spend. This of course is as long as all transactions and outstanding checks have cleared. Once you get a trued up number, decide on how much you will allot yourself to spend. Then, go to the ATM and take that amount out in cash. This way, when you spend your cash, your account balance will not change and you will always know how much money is in your account.

Make Saving Money a Bill

When it comes to saving money, it is everybody’s great idea to do so. But, you and I know that nobody everybody does so. Therefore, here is a new idea… Try making saving money a bill in your monthly budget.

When I first started saving money, I started small. I got paid weekly so I visited my bank and set up an automatic transaction of $10 to come out of my account each Friday. I had forgotten all about the continual transaction until I needed money one day. So, I logged into my account to see how much was in my checking account and noticed that my savings was pretty lofty. That is when it hit me that I had been saving money and it was exactly the amount I needed (true story).

Get a Roommate

If you have an extra room in your house, do not stay in your house alone. There are a lot of people who need a place to stay who will pay you to lodge. If you have a house, you may even be able to charge them up to the amount of money they would pay for an apartment. At the end of the day, they will be glad to have things such as a living room, garage (if possible), their own bathroom, and the address of a house versus an apartment. Plus, if they start dating somebody and you allow their lover to move in, it could mean more money for you.

Rent Your Property

Other than a roommate, you may have extra property not being used. Therefore, you can start your own rental service. If you have large items that you own that are paid in full, somebody may just want to use them. Things that you can rent out are: instruments, car, large electronics, and even tools. If you are a woman, believe it or not, there are a lot of women out there who are ready and willing to rent your clothing and jewelry.

Store Returns

Now, you may have a really nice gift that you received from a parent or friend. But, you know deep down in your heart that will never use it. Therefore, consider taking back to the store, especially if it is still in the packaging. I am not trying to brag, but I have a track record of taking things back to stores, even I have used them. Last year I made over $1,000 from returning items back to the store and got a nice boost in paying bills.

Coupon Subscriptions

You should surely consider using coupons. If you get good at finding them, you may find yourself saving up to 80% on your purchases. There are many expert couponing extremists that you can learn from who will mentor you on saving money. Consider contacting one of them to enlighten on savings you most likely did not know existed.

Rewards Only

Last, but never the least, if you are a member of a rewards program, allow it to work for you. Try to only make purchases in places that will benefit you as a member while earning you points and saving money. Some good examples of businesses with rewards programs are gas stations, retail stores, and restaurants.

If you are clueless to just how much these practices can help you, do not knock the ideas. Instead, give them a try and see how they work. If you are having trouble seeing their effect, view your money through a budgeting platform that will chart your spending. A great app to assist you in this manner is the BudgetCalender app for IOS and Android devices. Download your copy today and be on your way to a better financial future.


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