Be inspired by ♥ Beating The Budget

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Beating The Budget — 30 Comments

  1. Tandy, this is really great advice! My big tip is this: work on your relationship. Nothing is as expensive as divorce! I’ve seen several friends’ finances set back decades by it.

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    • Don’t I know it! We started all over again when Dave turned 50. Ours is his second marriage 🙂

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  2. Budget helps a lot

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    • It does for me 🙂

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  3. This is such a fantastic post, Tandy. Very great tips! I strongly believe in saving and not having debts.
    Cindy @ Pick Fresh Foods sharing the blog ♥ Healthy Blueberry MuffinsMy Profile

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    • Me too Cindy 🙂

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  4. Some really good advice there Tandy.
    Rachel (Rachel’s Kitchen NZ) sharing the blog ♥ Spinach in Spiced Yogurt SauceMy Profile

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    • Thank you Rachel 🙂

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  5. Good tips Tandy, valuable advise!
    cheri sharing the blog ♥ Tricolor Summer Salad and The Yachats River Valley Farm TourMy Profile

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    • Thank you Cheri 🙂

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  6. These are GREAT tips. The.Boy and I are going to have larger rent bills once we move, and we definitely need some budgeting tips!

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    • On the plus side, at least the student housing people cannot make you move again!

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  7. Tandy, this is so interesting! My top tip is just keep hammering your debts. First, my husband and I paid off our student loan debt, and my was like 27k so that was quite an achievement. I bought only one nice suit for work and go used clothing at the Salvation Army to fill in the gaps. I drove a 13 year old car (and we still have a 16 year old mini van we drive around, but hey, it works). We also tithe 10% to our church, this has taught us so much about discipline and the importance of budgeting. Being generous somehow has increased how much $$ we have, not the opposite. Next, we hope to pay off the mortgage early!!
    Laura @ Raise Your Garden sharing the blog ♥ The Return of the MonarchsMy Profile

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    • Wow, your student loan debt was high! I totally agree that generosity leads to more wealth 🙂

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  8. I hate being in debt for things and we tend to buy things outright if we can. Obviously not for our apartment but the less we have on credit the better for us.
    Lorraine @ Not Quite Nigella sharing the blog ♥ Potato Leek Soup With Parsnip Zucchini FrittersMy Profile

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    • Same for me Lorraine 🙂

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  9. Great sound advice. I am not familiar with this type of medical insurance you have in South Africa. What do you mean by hospital insurance vs medical aid? Do you not get both preventative and also hospital care on your insurance plan? Can you please explain what you mean by this? Thanks, BAM

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    • Hi, I shall write a blog post about this which will hopefully explain it properly 🙂

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  10. Great post Tandy. Loads of good advice there. I do the same with my grocery budget but I never manage to have any money left over. Food is so expensive these days!

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    • Food has become very expensive which means I am always looking for specials 🙂

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  11. I used to be so good with my budget and create a spreadsheet every month and put in EVERY single expense. Now I’m too lazy. 😛 But, I feel like September is a new month for resolutions, so after reading your post, I am going to give it another go. These are GREAT tips! 🙂
    Melanie Chisnall sharing the blog ♥ 10-Minute Sunrise Morning Meditation for EnergyMy Profile

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    • Good luck Melanie!

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  12. This is something I have been working on over the last couple of months and I think I am starting to see results.
    The best thing I did was use our tax return to pay off the credit card IN TOTAL. While it wasnt a substantial part of our debt – that would be the mortgages and student loan it was the one with the highest interest rate so I was overjoyed to see it gone.
    It also helps to have both partners on board if you are in a relationship and share the income. This one is proving to be a bit more of a struggle as I am keen to pay down everything while hubby thinks inviting colleagues to stay for a few nights wont hurt the budget!

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    • Ouch, a few nights of house guests can kill the budget! Great advice to use your tax return to pay off your credit card 🙂

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  13. Very wise and useful advice. Thanks for sharing.

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    • Thanks for taking the time to read my post Cindy 🙂

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  14. Always ask yourself Do you need it to do you want it? There is a huge difference between these two things. I’ve tried to teach my children to really think about whether a purchase will change their lives in the long run or is it a fleeting fancy.

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    • That is brilliant advice! Thank you for sharing Judy 🙂

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  15. Great advice, Tandy.

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    • thank you 🙂

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