It’s no secret that budgeting is a huge struggle for so many people – especially spenders. I’m right there with you. I’m a natural spender at heart, which is why I’m so careful about how I spend my money (and why I choose not to use credit cards at all).
Because budgeting is so hard for so many people, I’ve put together a list of the top 10 budgeting posts I could find. I included some of my own, too. These are the most helpful posts on the web when it comes to budgeting. So, if these posts don’t help you, I don’t know what will! 😉
Here’s my list of the top 10 budgeting blog posts on the internet.
1. 21 Days to a Better Budget by Jessi Fearon, The Budget Mama
21 Days to a Better Budget isn’t even a blog post at all – it’s an ebook. But it’s a free ebook, so you have no excuse not to download it right now. This is a collaborative ebook, created by Jessi Fearon, The Budget Mama. It includes blog posts from several bloggers, including me, about how to budget. Really, it’s the mega-budgeting-blog-post-ebook-on-steroids-that-you-never-knew-you-always-needed. Convinced yet? Okay, good.
2. Family Budget Meetings – Yes, You Need To Have Them by Michelle Schroeder, Making Sense of Sense
If you have combined finances with another person or you live with another person who you share expenses with, then you should have budget meetings as part of your budget. Family budget meetings should occur at least monthly, maybe even weekly in the beginning. These meetings are so easily sidestepped, forgotten, or worse – not even recognized as essential to the budgeting process. But I assure you that budget meetings are necessary to get on track with your family. You have to have mutual respect and make financial decisions together. The best way to do that is to plan to have these discussions in family budget meetings. That’s what the blog post above is all about.
3. How to Start a Budget (When You Suck at Budgeting) by Rosemarie Groner, The Busy Budgeter
If you’re going to start budgeting, you need to know what specific steps to take. Although budgeting can seem overwhelming when you first start, if you stick with it and work through your mistakes, you can come out on the other side very successful. The key is getting started. This post shows you how to do just that.
4. A Zero-Based Budget: What and Why by Dave Ramsey
The zero-sum budget is the most popular type of budget. With this budget, you give all your income a specific purpose for the month. Contrast this with the 50/30/20 budget below, where you use a percentage-based allocation. With the zero-sum budget, you plan exactly where you’re going to spend every dollar for the month.
5. The 50/30/20 Budget by Natalie Bacon, NatalieBacon.com (me!)
There are many types of budgets, one of them being the 50/30/20 budget. This is a simple budget that works well for people who aren’t in a lot of debt and who have somewhat of “regular” or “average” income and expenses. If you fit that bill, then read on. This post may be exactly what you need to set up a budget to meet your needs.
6. How to Budget Using the Envelope System by Natalie Bacon, NatalieBacon.com (me again!)
If you’re a spender, then you may need to use the envelope system of budgeting. This post shows you how to do that. It’s a way for you to use cash to make sure you stay on budget and don’t overspend. Spenders, take note!
7. How to Budget When You Don’t Make Enough Money by Lauren Greutman
Budgeting when you don’t make enough money is really hard, but it’s necessary because it can get you out of your current financial mess. You can cut expenses and make more money, while using a budget in order to reach your financial goals. Your budget can help you. This post is about what to do when you don’t make enough money and need to start budgeting.
8. 4 Ways to Budget With Inconsistent Income by Stefanie O’Connell
Budgeting with inconsistent income presents its own specific challenges. If you don’t know how much income you’ll have every month, it’s harder to create a budget. This post shows you how to create a budget if you have inconsistent income every month. Don’t let the fact that you have inconsistent income stop you from budgeting because it seems harder.
9. 10 Items You Are Probably Forgetting In Your Budget by Penny Pinchin’ Mom
Take it from someone who has been budgeting for a few years, you are going to forget things that you should’ve put in your budget! This post explains the most common items that people forget to put in their budgets. It’s a good one to read after you’ve created a basic framework for your budget.
10. 5 Causes of Budget Failure and What to Do About It by Jessi Fearon, The Budget Mama
If you are starting to budget (or if you are a pro) you will soon discover that budgeting is hard. Not only is it hard because it can be confusing and complicated at first, but it’s also hard because life is unpredictable and budgeting hinges on knowing what will happen in the future. So, you are bound to have some budget failures no matter how carefully you plan. This post describes what to do about those budget failures and how to get back on track so they don’t slow you down.
A Final Note!
If you need to start budgeting, these 10 blog posts are the best posts that I can find on the internet to help you do just that.
You know deep down you don’t want to stay broke. You want to have money to do all the things you ever dreamed of doing. And you know that you can’t do that right now, for one reason or another. But I also know that you don’t have to continue to live like this. You can change your financial life so you’re actually happy with your money situation. It won’t be easy, but it will be worth it.
These posts can be your gateway to change. They can help you create a plan for your money. Don’t let the business of life get in the way of what you want most.
If you want to change your financial life, get started by using these posts to create the budgets you need to help you succeed financially.
It’s not easy, but it’s worth it. I’m cheering for you!
- Up Next: 21 Days to a Better Budget