Want to get your finances under control but don’t know where to start? Well, it always begins with creating a budget. But first, you need to understand where you want your budget to take you. You want to create a roadmap that clears the pathway for you. This is what a financial plan will do for you. In this episode, we’ll talk about financial plans, what you need to get started and how to create one.

Don't have a budget?

Download the Pocket Budgeter mobile app! You can find it in the Apple Store here:

https://apps.apple.com/us/app/id1528795325 (https://apps.apple.com/us/app/id1528795325)

Or the Google Play Store here:

https://play.google.com/store/apps/details?id=com.pocketbudgeter.pocketbudgeter (https://play.google.com/store/apps/details?id=com.pocketbudgeter.pocketbudgeter)

You can also visit the Pocket Budgeter website for more information and tools:

https://www.pocketbudgeter.com/ (https://www.pocketbudgeter.com/)

If you have any questions about this episode, previous episodes, or budgeting in general, send your question to [email protected].

Living frugal helps you become aware of your spending habits and understand what purchases make you happy. In this episode, I will give some tips on how to be frugal. We will focus on the following categories: Budgeting, Food, Shopping, Household, Transportation, and Entertainment.

Don't have a budget?

Download the Pocket Budgeter mobile app! You can find it in the Apple Store here:

https://apps.apple.com/us/app/id1528795325 (https://apps.apple.com/us/app/id1528795325)

Or the Google Play Store here:

https://play.google.com/store/apps/details?id=com.pocketbudgeter.pocketbudgeter (https://play.google.com/store/apps/details?id=com.pocketbudgeter.pocketbudgeter)

You can also visit the Pocket Budgeter website for more information and tools:

https://www.pocketbudgeter.com/ (https://www.pocketbudgeter.com/)

If you have any questions about this episode, previous episodes, or budgeting in general, send your question to [email protected].

I’ve mentioned a few times in my posts about not accumulated bad credit. But why does that even matter? What is a credit score anyway? In this episode, we will look at this more closely. We will also look at how to increase your credit score, what decreases it, how to calculate a credit score, and much more!

If you want to download the Pocket Budgeter mobile app, you can find it in the Apple Store here:

https://apps.apple.com/us/app/id1528795325 (https://apps.apple.com/us/app/id1528795325)

Or the Google Play Store here:

https://play.google.com/store/apps/details?id=com.pocketbudgeter.pocketbudgeter (https://play.google.com/store/apps/details?id=com.pocketbudgeter.pocketbudgeter)

You can also visit the Pocket Budgeter website for more information and tools:

https://www.pocketbudgeter.com/ (https://www.pocketbudgeter.com/)

If you have any questions about this episode, previous episodes, or budgeting in general, send your question to [email protected].

A sinking fund is a saving account that you contribute monthly for future purchases and expenses. What’s the difference between this and a regular savings account or an emergency fund? This is what we will look at in this episode since they are very different! We will also look at sinking funds more close, steps to set up your sinking fund properly, and some tips.

If you have any questions about this episode, previous episodes, or budgeting in general, send your question to [email protected].

If you want to download the Pocket Budgeter mobile app, you can find it in the Apple Store here:

https://apps.apple.com/us/app/id1528795325 (https://apps.apple.com/us/app/id1528795325)

Or the Google Play Store here:

https://play.google.com/store/apps/details?id=com.pocketbudgeter.pocketbudgeter (https://play.google.com/store/apps/details?id=com.pocketbudgeter.pocketbudgeter)

You can also visit the Pocket Budgeter website for more information and tools:

https://www.pocketbudgeter.com/ (https://www.pocketbudgeter.com/)

Debt can act as a thorn on the side when it comes to getting ahead financially. That’s why it’s beneficial to pay your debt off as quickly as possible. In this episode, we will go through some great tips to pay your debt off fast.

If you have any questions about this episode, previous episodes, or budgeting in general, send your question to [email protected].

If you want to download the Pocket Budgeter mobile app, you can find it in the Apple Store here:

https://apps.apple.com/us/app/id1528795325 (https://apps.apple.com/us/app/id1528795325)

Or the Google Play Store here:

https://play.google.com/store/apps/details?id=com.pocketbudgeter.pocketbudgeter (https://play.google.com/store/apps/details?id=com.pocketbudgeter.pocketbudgeter)

You can also visit the Pocket Budgeter website for more information and tools:

https://www.pocketbudgeter.com/ (https://www.pocketbudgeter.com/)

Budgeting can be complicated at times, especially when you are first starting off. Even with a budget, you can lose track of where your money is going, or you didn’t hit your goals or debt payment some months. In this episode, I will go through some common problems people face when budgeting. We will also look at solutions to fix these problems!

If you have any questions about this episode, previous episodes, or budgeting in general, send your question to [email protected].

If you want to download the Pocket Budgeter mobile app, you can find it in the Apple Store here:

https://apps.apple.com/us/app/id1528795325

Or the Google Play Store here:

https://play.google.com/store/apps/details?id=com.pocketbudgeter.pocketbudgeter

You can also visit the Pocket Budgeter website for more information and tools:

https://www.pocketbudgeter.com/

You probably have heard the phrase “pay yourself first”. But what does that really mean? Reverse budgeting uses this concept to focus on your savings before your expenses. Essentially, you budget around giving yourself money first, then you pay everyone else last. It helps you guarantee contributions to your savings and investments. In this episode, we will look at the strategy more closely, talk about who should use it and who should not. I will also go through some easy steps to get you started, as well as some tips and benefits of using this method.

If you have any questions about this episode, previous episodes, or budgeting in general, send your question to [email protected].

Zero-based budgeting is a budgeting method that helps you delegate your take-home income to your monthly expenses. This means that you give all the money you earn a purpose every month. It helps you have full control over where your money is going and coming from. In this episode, we will look at Zero-Based Budgeting more in detail, how to implement it, and tips to succeed.

If you have any questions about this episode, previous episodes, or budgeting in general, you can email us at [email protected].

Envelope budgeting is a method you can use to manage your spending. If you have problems with spending too much money or just controlling your finances in general, this is a great way to handle your budget. In this episode, we will learn how to use the envelope system, both physically and virtually. If you have any questions, email us at [email protected].

A crucial component of managing a personal budget is setting financial goals. Without it, you are blindly tracking your expenses. It is important to do this properly if you want to succeed in controlling your finances. In this episode, we will be looking at financial goals using the mnemonic acronym S.M.A.R.T. and how to apply it to short, medium, and long-term goals. You can also find some useful calculators mentioned in this episode here: https://www.pocketbudgeter.com/tools. If you have any questions you want to be answered on the show, you can email us at [email protected]. We would be more than happy to answer them!