{"id":1836,"date":"2015-04-01T00:15:21","date_gmt":"2015-04-01T08:15:21","guid":{"rendered":"http:\/\/www.cultofmoney.com\/?p=1836"},"modified":"2015-03-31T09:02:13","modified_gmt":"2015-03-31T17:02:13","slug":"how-to-bounce-back-from-budget-failure","status":"publish","type":"post","link":"https:\/\/www.cultofmoney.com\/how-to-bounce-back-from-budget-failure\/","title":{"rendered":"How to Bounce Back From Budget Failure"},"content":{"rendered":"

\"Feeling<\/a>I\u2019ve had a pretty bad month as far as the budget is concerned. I thought this month was going to be fantastic. On paper it looked like I\u2019d be able to save more money in March than I had ever been able to save before.<\/p>\n

Life didn\u2019t quite work out like that.<\/p>\n

Some of it was random and the other things were completely my fault. Today I want to talk about what do when you have an epic budget failure. (I think I\u2019m needing to give myself a little pep talk!)<\/p>\n

Stop Saying You\u2019re \u201cToo Busy\u201d<\/h2>\n

I normally hate when people say that they are \u201ctoo busy\u201d to manage their money well. And as much I hate this that was me in the month of the March.<\/p>\n

I was too busy to balance the checkbook for two weeks\u2026\u2026.<\/em><\/p>\n

I was too busy to see how much money I had already spent\u2026\u2026\u2026<\/em><\/p>\n

I was too busy to cook dinner\u2026\u2026\u2026<\/em><\/p>\n

In fact one of my big goals for the year was to not eat out at all!<\/a> I was adamant about this goal for the first two months of the year. I was pumped up and I knew I could do it. That was, until March rolled around.<\/p>\n

There were so many nights where I was just rundown and couldn\u2019t fathom the thought of cooking dinner. I totally slipped up.<\/p>\n

Start Planning Ahead<\/h2>\n

I could have completely avoided the eating out trap if I would\u2019ve done a little planning ahead. Heck, even keeping a few frozen pizzas for those super busy days would\u2019ve prevented some major money leakage.<\/p>\n

I already started fixing this little problem again by making out a list of possible dinners for the week. Instead of putting a dinner to each day I just write down seven different options and I can choose what I feel like making on the day I feel like making it. This always works well for me and only takes me ten minutes a week to plan!<\/p>\n

The same should\u2019ve went for the actual grocery shopping. When I shop with a list my spending stays on track. When I walk in the grocery store without a list<\/a> I sometimes spend nearly double of what I have planned.<\/p>\n

Keep a Record of Bi-Annual Bills<\/h2>\n

Another thing that caused my budget failure (which again was totally my fault) was forgetting about the six month auto insurance bill coming due.<\/p>\n

As soon as I got the bill I knew my savings plans were out the window. Had I kept a little note in my checkbook I would\u2019ve remembered.<\/p>\n

In addition to the insurance bill I also got $450 worth of physical therapy bills that I hadn\u2019t planned on getting. I thought insurance would cover those, but again, asking a few questions would have helped me plan for this.<\/p>\n

Learn From Your Mistakes and Try, Try Again<\/h2>\n

None of us our perfect. I think admitting that we sometimes make some really stupid mistakes is helpful in getting us back on track for the next month.<\/p>\n

Things will come up, sometimes you\u2019ll fall of track, but as long as you get back up and try again your budget failure months will end up being a glitch in the radar.<\/p>\n

How do you recover from budgeting failure?<\/strong><\/em><\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

I\u2019ve had a pretty bad month as far as the budget is concerned. I thought this month was going to be fantastic. On paper it looked like I\u2019d be able to save more money in March than I had ever been able to save before. Life didn\u2019t quite work out like that. Some of it […]<\/p>\n","protected":false},"author":4,"featured_media":1837,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[1],"tags":[185,473],"acf":[],"_links":{"self":[{"href":"https:\/\/www.cultofmoney.com\/wp-json\/wp\/v2\/posts\/1836"}],"collection":[{"href":"https:\/\/www.cultofmoney.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.cultofmoney.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.cultofmoney.com\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cultofmoney.com\/wp-json\/wp\/v2\/comments?post=1836"}],"version-history":[{"count":0,"href":"https:\/\/www.cultofmoney.com\/wp-json\/wp\/v2\/posts\/1836\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.cultofmoney.com\/wp-json\/wp\/v2\/media\/1837"}],"wp:attachment":[{"href":"https:\/\/www.cultofmoney.com\/wp-json\/wp\/v2\/media?parent=1836"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cultofmoney.com\/wp-json\/wp\/v2\/categories?post=1836"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cultofmoney.com\/wp-json\/wp\/v2\/tags?post=1836"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}