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10 Tips for a frugal budget
BeFrugal Blog

10 Tips for a frugal budget

December 27, 2013March 26, 2012 by jen

 

A budget will help you to find out the areas where you’re overspending. You can reduce expenses and tighten your budget if you want to save money. Here are ten tips:

  1. Evaluate your financial situation – Make a note of all your expenses. Subtract them from your gross monthly income. You’ll get the amount that you’ll save at the end of each month.
  2. Allocate money for entertainment – A budget doesn’t mean that you’ll have to get rid of all the fun in life. You can keep aside a portion of your money for your entertainment, outings and hobbies. However, it is advisable to be reasonable and not to overspend on those as well.
  3. Don’t forget your debts – If you have to make payments on your bills and loans, allot money for those first. Don’t miss out on the payments, even if you have opted for debt relief options like debt settlement or consolidation. You can even work under a debt management plan with a credit counseling agency. A debt management plan is considered to be a legitimate agreement between the debtors and creditors to repay the debts.
  4. Cut down on living expenses – Try to reduce your costs of living. Keep your basic expenses within your means.
  5. Reduce credit card expenses – Credit cards can tempt you to spend more. Get rid of the multiple credit cards you have. Instead of buying things in credit, try to pay in cash. It will help you save on interest.
  6. Stick to your plans – Try to follow your budget. If you fail to stick with your plans, the whole point of creating a budget will be lost.
  7. Save in every way – It is essential to save money from your monthly income. Try to save in every possible way. For example, you can trim down on your transportation costs by making use of public transport and carry your lunch to the office to not eat out every day. Include saving goals in your budget for future use.
  8. Prioritize your expenses – It is essential to prioritize your requirements before you decide how much to spend, and on which items. Make a list according to their importance. At the end of the month, you can always trim it from the bottom.
  9. Get advantage out of sales – Avoid unnecessary expenses. Don’t buy on whims. Search out for low cost alternatives so you can save. Make use of sales, to get things at lower prices. Use discount coupons to reduce your expenses.
  10. Plan for the future – This is the basic aim behind every budgeting. Plan before you make investments or make major purchases. Set financial goals for yourself and work hard for their fulfillment.

This is a guest post by Barbara Delinsky who is a financial writer of Oak View Law Group. Through her articles she helps people to get answers to their questions regarding their personal finances. She also gives advice to consolidate debt and to live a debt free life.

Image thanks to 401K on Flickr.

Categories Frugal Articles, UncategorizedTags budgeting
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1 thought on “10 Tips for a frugal budget”

  1. Claire
    March 27, 2012 at 12:03 PM

    That's right, stick to your plans. I'd say, it's best to keep a budget diary to keep track of your daily expenses. Income - Savings= Expenses. I believe this will help, too. :)

Comments are closed.

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