4. Find or create a budget accountability group
Everything is more fun when you do it with someone else. Budgeting is no different.
Slogging along on your own to manage money can be lonely. But if you have some people with similar goals cheering you along, you might find it easier to stay motivated.
Identify some like-minded friends and suggest you start a Facebook group or email chain in which you each check in every day, or maybe once a week. It’s an opportunity for everyone to share their goals and progress toward them.
If you don’t have a group of friends in the real world who’d be interested, look online. Check out personal finance blogs for virtual inspiration, or head to a message board to find those like-minded individuals you may be missing in the real world.
5. Ditch the pen and paper and use an app to keep on track
There are plenty of apps that can help you track and manage money. For some people, these can make the process of sticking to spending goals infinitely more fun than plugging numbers into a spreadsheet. We’ve reviewed some of these apps previously.
Urge is one helpful app. It lets you record every time you say no to a purchase and then “credits” that money toward a financial goal or dream purchase. Say no enough and, in theory, you should have money in the bank to buy whatever that thing is that you really want.
Do you dread budgeting or do you make it fun? Share your experiences in the comments below or on our Facebook page.
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