budget graphic on laptop

2 Budget Breaking Habits

2 Budget Breaking Habits

Budgeting allows you to buy the things you need now while saving for the future. It’s important that the habits you develop on the go don’t break your budget. Identifying whether you have these habits may save your money and your budget.

Savings

If there is a single reason to budget, it’s probably to save for the future. Having a savings account is a crucial step in this process. And, with some banks, you can link your savings to your debit card to protect you from overdraft fees and charges.

But more importantly, the purpose of savings is to save your money. So transferring money from your savings too often is a budget breaking habit. One way to ditch this habit is to exclude the money in your savings from your monthly planning. Don’t even consider it as a backup, in case you need more money for the month. Just let it sit in savings, indefinitely, collecting interest.

Smaller Purchases

A Starbucks coffee. A lunch from that restaurant at work. A video game. Another coffee from Starbucks. A shirt. Dinner from Little Caesars. These purchases add up. Pretty soon you could spend $50 to $100 in a day without noticing.

Purchasing on the go without accounting for it in your budget is a budget breaking habit. When you’re creating your budget, apportion money, weekly or daily, for small, miscellaneous purchases. This should allow some wiggle room for coffees and, maybe once in a while, a pizza. But whatever you do, don’t buy something if you haven’t accounted for it in your budget. That way, you’ll always be safe.

Conclusion

Creating a budget is an important step toward creating a better future for yourself. It’s an easy way to plan ahead and save. It’s also a stress-free way of enjoying yourself in the present: because you know that bill a month from now will be paid off with the money you’ve set aside for it. But a budget won’t work if you develop bad habits. If you have them, break these two habits, or they will break your budget.

The post 2 Budget Breaking Habits appeared first on Apartments For Us.

[gravityform id="7" title=false name="The Retreat (PopUp)"]
<script type="text/javascript">var gform;gform||(document.addEventListener("gform_main_scripts_loaded",function(){gform.scriptsLoaded=!0}),window.addEventListener("DOMContentLoaded",function(){gform.domLoaded=!0}),gform={domLoaded:!1,scriptsLoaded:!1,initializeOnLoaded:function(o){gform.domLoaded&&gform.scriptsLoaded?o():!gform.domLoaded&&gform.scriptsLoaded?window.addEventListener("DOMContentLoaded",o):document.addEventListener("gform_main_scripts_loaded",o)},hooks:{action:{},filter:{}},addAction:function(o,n,r,t){gform.addHook("action",o,n,r,t)},addFilter:function(o,n,r,t){gform.addHook("filter",o,n,r,t)},doAction:function(o){gform.doHook("action",o,arguments)},applyFilters:function(o){return gform.doHook("filter",o,arguments)},removeAction:function(o,n){gform.removeHook("action",o,n)},removeFilter:function(o,n,r){gform.removeHook("filter",o,n,r)},addHook:function(o,n,r,t,i){null==gform.hooks[o][n]&&(gform.hooks[o][n]=[]);var e=gform.hooks[o][n];null==i&&(i=n+"_"+e.length),gform.hooks[o][n].push({tag:i,callable:r,priority:t=null==t?10:t})},doHook:function(n,o,r){var t;if(r=Array.prototype.slice.call(r,1),null!=gform.hooks[n][o]&&((o=gform.hooks[n][o]).sort(function(o,n){return o.priority-n.priority}),o.forEach(function(o){"function"!=typeof(t=o.callable)&&(t=window[t]),"action"==n?t.apply(null,r):r[0]=t.apply(null,r)})),"filter"==n)return r[0]},removeHook:function(o,n,t,i){var r;null!=gform.hooks[o][n]&&(r=(r=gform.hooks[o][n]).filter(function(o,n,r){return!!(null!=i&&i!=o.tag||null!=t&&t!=o.priority)}),gform.hooks[o][n]=r)}});</script> <div class='gf_browser_unknown gform_wrapper gform_legacy_markup_wrapper' id='gform_wrapper_7' > <div class='gform_heading'> <span class='gform_description'></span> </div><form method='post' enctype='multipart/form-data' id='gform_7' action='/2-budget-breaking-habits/' > <div class='gform_body gform-body'><ul id='gform_fields_7' class='gform_fields top_label form_sublabel_below description_below'><li id="field_7_1" class="gfield gfield_contains_required field_sublabel_below field_description_below gfield_visibility_visible" ><label class='gfield_label gfield_label_before_complex' >Name<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_complex ginput_container no_prefix has_first_name no_middle_name has_last_name no_suffix gf_name_has_2 ginput_container_name' id='input_7_1'> <span id='input_7_1_3_container' class='name_first' > <input type='text' name='input_1.3' id='input_7_1_3' value='' aria-required='true' {/> <label for='input_7_1_3' >First</label> </span> <span id='input_7_1_6_container' class='name_last' > <input type='text' name='input_1.6' id='input_7_1_6' value='' aria-required='true' /> <label for='input_7_1_6' >Last</label> </span> <div class='gf_clear gf_clear_complex'></div> </div></li><li id="field_7_2" class="gfield gf_left_half gfield_contains_required field_sublabel_below field_description_below gfield_visibility_visible" ><label class='gfield_label' for='input_7_2' >Email<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_email'> <input name='input_2' id='input_7_2' type='text' value='' class='medium' aria-required="true" aria-invalid="false" /> </div></li><li id="field_7_3" class="gfield gf_right_half gfield_contains_required field_sublabel_below field_description_below gfield_visibility_visible" ><label class='gfield_label' for='input_7_3' >Phone<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_phone'><input name='input_3' id='input_7_3' type='text' value='' class='medium' aria-required="true" aria-invalid="false" /></div></li><li id="field_7_5" class="gfield gf_list_3col field_sublabel_below field_description_below gfield_visibility_visible" ><label class='gfield_label' >What Is Your Preferred Method Of Contact?</label><div class='ginput_container ginput_container_radio'><ul class='gfield_radio' id='input_7_5'> <li class='gchoice gchoice_7_5_0'> <input name='input_5' type='radio' value='Phone Call' checked='checked' id='choice_7_5_0' /> <label for='choice_7_5_0' id='label_7_5_0'>Phone Call</label> </li> <li class='gchoice gchoice_7_5_1'> <input name='input_5' type='radio' value='Text' id='choice_7_5_1' /> <label for='choice_7_5_1' id='label_7_5_1'>Text</label> </li> <li class='gchoice gchoice_7_5_2'> <input name='input_5' type='radio' value='Email' id='choice_7_5_2' /> <label for='choice_7_5_2' id='label_7_5_2'>Email</label> </li></ul></div></li><li id="field_7_6" class="gfield gf_list_2col field_sublabel_below field_description_below gfield_visibility_visible" ><label class='gfield_label' >Can We Connect With You Via Text?</label><div class='ginput_container ginput_container_radio'><ul class='gfield_radio' id='input_7_6'> <li class='gchoice gchoice_7_6_0'> <input name='input_6' type='radio' value='Yes' checked='checked' id='choice_7_6_0' /> <label for='choice_7_6_0' id='label_7_6_0'>Yes</label> </li> <li class='gchoice gchoice_7_6_1'> <input name='input_6' type='radio' value='No' id='choice_7_6_1' /> <label for='choice_7_6_1' id='label_7_6_1'>No</label> </li></ul></div></li><li id="field_7_4" class="gfield field_sublabel_below field_description_below gfield_visibility_visible" ><label class='gfield_label' for='input_7_4' >Anything Specific You Are Looking For?</label><div class='ginput_container ginput_container_textarea'><textarea name='input_4' id='input_7_4' class='textarea medium' aria-invalid="false" rows='10' cols='50'></textarea></div></li><li id="field_7_7" class="gfield field_sublabel_below field_description_below gfield_visibility_visible" ><label class='gfield_label' for='input_7_7' >CAPTCHA</label><div id='input_7_7' class='ginput_container ginput_recaptcha' data-sitekey='6Le3JbgUAAAAAAbRtR6Q81DamF6hf4ClzHPawiX2' data-theme='light' data-tabindex='0' data-badge=''></div></li></ul></div> <div class='gform_footer top_label'> <input type='submit' id='gform_submit_button_7' class='gform_button button' value='Submit' onclick='if(window["gf_submitting_7"]){return false;} window["gf_submitting_7"]=true; ' onkeypress='if( event.keyCode == 13 ){ if(window["gf_submitting_7"]){return false;} window["gf_submitting_7"]=true; jQuery("#gform_7").trigger("submit",[true]); }' /> <input type='hidden' class='gform_hidden' name='is_submit_7' value='1' /> <input type='hidden' class='gform_hidden' name='gform_submit' value='7' /> <input type='hidden' class='gform_hidden' name='gform_unique_id' value='' /> <input type='hidden' class='gform_hidden' name='state_7' value='WyJbXSIsIjQ4NjEyMjRlMzc1MDlhZjk2Y2E4YzgwNzAzY2I0YTRjIl0=' /> <input type='hidden' class='gform_hidden' name='gform_target_page_number_7' id='gform_target_page_number_7' value='0' /> <input type='hidden' class='gform_hidden' name='gform_source_page_number_7' id='gform_source_page_number_7' value='1' /> <input type='hidden' name='gform_field_values' value='' /> </div> <p style="display: none !important;"><label>&#916;<textarea name="ak_hp_textarea" cols="45" rows="8" maxlength="100"></textarea></label><input type="hidden" id="ak_js" name="ak_js" value="152"/><script>document.getElementById( "ak_js" ).setAttribute( "value", ( new Date() ).getTime() );</script></p></form> </div>
[gravityform id="7" title=false name="Email The Retreat (PopUp)"]
<div class='gf_browser_unknown gform_wrapper gform_legacy_markup_wrapper' id='gform_wrapper_7' > <div class='gform_heading'> <span class='gform_description'></span> </div><form method='post' enctype='multipart/form-data' id='gform_7' action='/2-budget-breaking-habits/' > <div class='gform_body gform-body'><ul id='gform_fields_7' class='gform_fields top_label form_sublabel_below description_below'><li id="field_7_1" class="gfield gfield_contains_required field_sublabel_below field_description_below gfield_visibility_visible" ><label class='gfield_label gfield_label_before_complex' >Name<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_complex ginput_container no_prefix has_first_name no_middle_name has_last_name no_suffix gf_name_has_2 ginput_container_name' id='input_7_1'> <span id='input_7_1_3_container' class='name_first' > <input type='text' name='input_1.3' id='input_7_1_3' value='' aria-required='true' {/> <label for='input_7_1_3' >First</label> </span> <span id='input_7_1_6_container' class='name_last' > <input type='text' name='input_1.6' id='input_7_1_6' value='' aria-required='true' /> <label for='input_7_1_6' >Last</label> </span> <div class='gf_clear gf_clear_complex'></div> </div></li><li id="field_7_2" class="gfield gf_left_half gfield_contains_required field_sublabel_below field_description_below gfield_visibility_visible" ><label class='gfield_label' for='input_7_2' >Email<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_email'> <input name='input_2' id='input_7_2' type='text' value='' class='medium' aria-required="true" aria-invalid="false" /> </div></li><li id="field_7_3" class="gfield gf_right_half gfield_contains_required field_sublabel_below field_description_below gfield_visibility_visible" ><label class='gfield_label' for='input_7_3' >Phone<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_phone'><input name='input_3' id='input_7_3' type='text' value='' class='medium' aria-required="true" aria-invalid="false" /></div></li><li id="field_7_5" class="gfield gf_list_3col field_sublabel_below field_description_below gfield_visibility_visible" ><label class='gfield_label' >What Is Your Preferred Method Of Contact?</label><div class='ginput_container ginput_container_radio'><ul class='gfield_radio' id='input_7_5'> <li class='gchoice gchoice_7_5_0'> <input name='input_5' type='radio' value='Phone Call' checked='checked' id='choice_7_5_0' /> <label for='choice_7_5_0' id='label_7_5_0'>Phone Call</label> </li> <li class='gchoice gchoice_7_5_1'> <input name='input_5' type='radio' value='Text' id='choice_7_5_1' /> <label for='choice_7_5_1' id='label_7_5_1'>Text</label> </li> <li class='gchoice gchoice_7_5_2'> <input name='input_5' type='radio' value='Email' id='choice_7_5_2' /> <label for='choice_7_5_2' id='label_7_5_2'>Email</label> </li></ul></div></li><li id="field_7_6" class="gfield gf_list_2col field_sublabel_below field_description_below gfield_visibility_visible" ><label class='gfield_label' >Can We Connect With You Via Text?</label><div class='ginput_container ginput_container_radio'><ul class='gfield_radio' id='input_7_6'> <li class='gchoice gchoice_7_6_0'> <input name='input_6' type='radio' value='Yes' checked='checked' id='choice_7_6_0' /> <label for='choice_7_6_0' id='label_7_6_0'>Yes</label> </li> <li class='gchoice gchoice_7_6_1'> <input name='input_6' type='radio' value='No' id='choice_7_6_1' /> <label for='choice_7_6_1' id='label_7_6_1'>No</label> </li></ul></div></li><li id="field_7_4" class="gfield field_sublabel_below field_description_below gfield_visibility_visible" ><label class='gfield_label' for='input_7_4' >Anything Specific You Are Looking For?</label><div class='ginput_container ginput_container_textarea'><textarea name='input_4' id='input_7_4' class='textarea medium' aria-invalid="false" rows='10' cols='50'></textarea></div></li><li id="field_7_7" class="gfield field_sublabel_below field_description_below gfield_visibility_visible" ><label class='gfield_label' for='input_7_7' >CAPTCHA</label><div id='input_7_7' class='ginput_container ginput_recaptcha' data-sitekey='6Le3JbgUAAAAAAbRtR6Q81DamF6hf4ClzHPawiX2' data-theme='light' data-tabindex='0' data-badge=''></div></li></ul></div> <div class='gform_footer top_label'> <input type='submit' id='gform_submit_button_7' class='gform_button button' value='Submit' onclick='if(window["gf_submitting_7"]){return false;} window["gf_submitting_7"]=true; ' onkeypress='if( event.keyCode == 13 ){ if(window["gf_submitting_7"]){return false;} window["gf_submitting_7"]=true; jQuery("#gform_7").trigger("submit",[true]); }' /> <input type='hidden' class='gform_hidden' name='is_submit_7' value='1' /> <input type='hidden' class='gform_hidden' name='gform_submit' value='7' /> <input type='hidden' class='gform_hidden' name='gform_unique_id' value='' /> <input type='hidden' class='gform_hidden' name='state_7' value='WyJbXSIsIjQ4NjEyMjRlMzc1MDlhZjk2Y2E4YzgwNzAzY2I0YTRjIl0=' /> <input type='hidden' class='gform_hidden' name='gform_target_page_number_7' id='gform_target_page_number_7' value='0' /> <input type='hidden' class='gform_hidden' name='gform_source_page_number_7' id='gform_source_page_number_7' value='1' /> <input type='hidden' name='gform_field_values' value='' /> </div> <p style="display: none !important;"><label>&#916;<textarea name="ak_hp_textarea" cols="45" rows="8" maxlength="100"></textarea></label><input type="hidden" id="ak_js" name="ak_js" value="66"/><script>document.getElementById( "ak_js" ).setAttribute( "value", ( new Date() ).getTime() );</script></p></form> </div>