We Hate Budgeting

Judy is with us again this week!

Have you ever wondered how much you should be spending on groceries per month? It may be more (or less) than you think.

As we wrap up our time with Judy, she gives us more great tips about eating well on a budget, taking account of your circumstances, and how to secure better deals on your food through buying certain items in bulk.

Follow us on Twitter and send us a message at WeHateBudgeting.com if you have any suggestions for a great episode topic. Join us again next week for another great conversation!

Grab a flashlight and your favorite pumpkin pail, because Halloween is just around the corner!

In today's episode, Wes and Gabe recount some of their favorite Halloween memories ranging from childhood costumes to celebrating the season as an adult. But don't worry, there are no spooks here: today's episode is all about using your hard-earned money to have a little holiday fun.

The older we get, the more we might think about the costs of decorating and dressing for Halloween as a burden.

But Wes has some news: it's your money, and you can do what you want with it.

Budgets exist to give us freedom in times of festivity. So, get the good candy, stock the yard with decorations, and have no shame in the process! Wes and Gabe say, if it brings you joy, it's worth the price.

Follow us on your favorite streaming platform and keep up with us at WeHateBudgeting.com and on Twitter.

Do you have a topic or question that you'd like us to cover on the podcast? Send us a message at WeHateBudgeting.com! 

Shopping for credit cards can be a tough process. They offer different rewards and have certain fees - how do I know which one is the best?

The truth is - you're paying for credit card rewards whether you are using a credit card or not!

This week, Gabe and Wes talk about how to responsibly use your credit card to make the most of those rewards that you're paying for.

Stay in touch with us through the week on Twitter, and check out WeHateBudgeting.com for more budgeting tips and tricks.

When saving money, the most important question isn't "How much?" - it's actually "For what?"

Wes and Gabe dive into the topics of saving for a purpose, a good amount to save based on your income, and how to save so you can be prepared for emergencies.

Oh - and don't forget that it's okay to treat yourself with something small every once in a while!

Stay in touch with us throughout the week at WeHateBudgeting.com and on Twitter.

We all stand in front of ourselves and our own goals when it comes to getting things done.

Stop delaying action so that you can prepare yourself for the future. Gabe and Wes throw out some practical steps you can take to keep you from putting off the small things. Future You will thank you!

Follow us on Twitter and check out www.WeHateBudgeting.com for more financial (and general life) tips. 

Are you heading to college or know someone who is? Send this episode to them!

Gabe and Wes talk through some important first steps toward financial stability that you can start in your first years of school.

Topics include:
- Opening a Savings Account
- Credit Cards and How to Build Credit Responsibly
 - Student Loans
- Living Expenses and Spending Plans

We have also created a Credit Card Terms Cheat Sheet for you, available at WeHateBudgeting.com. Check us out on Twitter and share your weekly smart spending win with us!

Sources:

https://www.cnbc.com/select/guide/money-management-for-students-back-to-school-budgeting/#why-you-should-open-a-credit-card-in-college

https://educationdata.org/student-loan-debt-statistics

Back to School season is here whether we like it or not! Commercials, magazines, mailers, and social media ads will be trying to sell you this year's "essentials" like crazy.

What's the best way to budget when it feels like you're buying things for your kiddos left and right? Wes shares some easy, money-saving tips to stick to your shopping list without overspending.

Make sure to check out Episode 6: How Not Buying Things Can Make You Broke for a look back at the "Revenge Spending" trend and how to avoid it, too.

Listen to We Hate Budgeting wherever podcasts are streamed and on our website, WeHateBudgeting.com. Don't forget to follow us on Twitter! 

We constantly fail at things when we look at them as restrictive. Think about diets - as soon as you start that diet plan all you want to eat is junk food.

The same thing happens with our budgets! You will fail until you change your mindset. By following Steve Smith's Success Cycle - planning, tracking, comparing, and adjusting - you can keep yourself from burning out on budgeting.

Head on over to www.WeHateBudgeting.com to find some more tips and tricks for your financial goals, and find us on Twitter.

Sources:
https://nationaltoday.com/national-financial-awareness-day/

https://www.thecut.com/2017/05/the-annoying-psychology-of-why-you-cant-stick-to-a-budget.html

This week, we tackle the last of Brad Klontz's 'Money Scripts' - the Money Vigilant.

 Ultimately, Money Vigilant people see money as a tool. They aren't afraid to use their hard-earned cash when the time is right.

This script sounds the least problematic of the four — but as you know, every script has its downsides. In this episode, Wes and Gabe give us advice on how to avoid a cycle of obsessive saving and make sure money stays framed in a healthy light.

Follow us on Twitter and check out www.WeHateBudgeting.com for some answers to all of your finance queries. 

This week, Gabe and Wes discuss Brad Klontz's third 'Money Script' - the 'Money Status Seeker.'

Hallmark traits of this Money Script are:

- Your sense of worth being tied directly to your bank account
- Living a lifestyle you can't actually afford
- Never being happy with what you have...
(...and maybe owing your debt to that sports car you bought to impress your ex)

Although this script seems to cast a long shadow on your journey to financial peace, Wes offers hope to those of us who struggle to say "this is good enough".

Stay in touch with us all week on Twitter and at www.WeHateBudgeting.com.