Hi Friends!
If your budget feels more like a suggestion than a plan, you’re not alone.
But something we’ve learned over the years is that a budget doesn’t have to be painful or restrictive—it just has to be realistic.
We’ll show you how!
We created a FREE 30-Day Budget Transformation Challenge filled with all our favorite strategies to help you reflect on your spending, align your $ with your values, earn more, save more AND invest more!
📝 Build a Better Budget in 30 Days
This challenge walks you through simple tasks to tackle daily to help build a budget that actually sticks. These tasks are designed to help you accomplish five steps:
1. Reflect: First, we look at where money has been going. This means throwing out your old budget (if it’s not working) and doing a 90-day transaction inventory to see what’s actually happening with your spending. This isn’t about judgment—it’s about clarity. Next, you’ll start tracking your transactions in real time to help you recognize current spending patterns.
2. Reset: A no-spend week helps hit the reset button, making it easier to identify which purchases actually add value to your life and which ones don’t.
3. Try A Saving Strategies: Small shifts make a big difference. Meal plan and stick to it, find free activities instead of defaulting to spending, and assess subscriptions & fixed expenses to see where easy savings are hiding.
4. Earn Money: A budget isn’t just about cutting back—it’s also about finding ways to bring in more money. This challenge includes steps like decluttering and selling a few items you don’t need and negotiating bills to maximize what you already have.
5. Save That Money: It’s the most important step towards your bigger financial goals like building an emergency fund, paying off debt, or investing in a retirement account.
And if you are working towards a fully funded emergency account we recommend keeping that money in one of CIT’s high yield savings accounts. They are an online bank offering competitive interest rates, which means you can earn money on your money without lifting a finger!**
Let’s build a budget that works with your life, not against it. ✨
📥 Download your free checklist here! 📥 and complete the full 30-day challenge
🎧 Hear all about the 30-Day Budget Transformation Challenge in our pod episode Transform Your Budget in 30 Days CHALLENGE (Ep 498)!
Spending is a skill and you can learn to master it. If you’ve ever struggled with being unable to stick to a budget or felt guilty about spending on something you enjoy, Jen and Jill’s debut book is going to be your next favorite read.
Happy budgeting!
Misti
⭐️⭐️ P.S. Want to share all this goodness with your friends AND earn cool Frugal Friends merch?
**Means this is a sponsored or affiliate section. We may earn a small fee or commission when you choose to try one of our sponsor or affiliate partners. But opinions are still 1000% our own.
