The Banyan Collective

Through the Pines Ep. 22 - How to Stick to a Budget

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HOW TO STICK TO A BUDGET - THROUGH THE PINES PODCAST

Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch would listen to while churning butter, this is Through the Pines…

Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia

Our financial wizards this week include Rex Baxter, Brandyn Smith, and Dan Nelsen

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SHOW NOTES:

 

What is a Budget?

Best Budget Methods

  • Savings vs Spending vs Retirement & Investments
  • Budgeting Debt (payoff)
  • Budgeting for purchases
  • Where does a budget live: Apps, Notebooks, etc?

    •  

    Factors that Could derail Budgets?

    • Life events - lost job, car repairs, divorce, medical
  • Laziness - not putting in the effort
  • Lack of Discipline (Greed) - wanting to make a purchase so bad you break budget
  • Lack of support from life partner/spouse

    • S’more Numbers


    How to get back on track

    • Don’t panic
  • Contact a professional
  • Reset Goals

    • Craziest Budget Hacks (https://inspiredbudget.com/); https://www.nerdwallet.com/article/finance/best-budget-apps

    • Freezing money
  • Online Groceries, Shopping lists & Meal Plans
  • Envelopes
  • Pay Debt First
  • Mini-Budget 
  • Remove cc info from online shopping sites.
  • Let items sit in your cart for 24 hours  
  • Split subscriptions
  • Side-Hustles
  • Buy in bulk
  • “No-Spend” Month Challenge
  • Budget apps: Mint, Goodbudget, YNAB, EveryDollar, PocketGuard, Honeydue

    • Contact Info: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates/

     

    Through the Pines  -  Reminding you to use Yesterday’s Dollars to Finance Tomorrow’s Dreams

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