How To Cheat At Budgeting Your Money And Get Away With It

August 24, 2021 | Mason Roberts

hack budgeting your money

Do you find it hard to save? Are you sick of budgeting your money and not sticking to it? Say goodbye to these old habits with our new-and-improved hacks for budgeting in 2021, including ways to reduce your big expenses and tips for dealing with emergencies by using Florida payday loans.

Hacks For Budgeting Your Money in 2021

Meal Plan To Negate Temptation

Buying expensive food kills your budget. So, when you are budgeting your money and want to hack the game, you need to be strict about the food you buy. One of the easiest ways to do that is to create a meal plan for the week. 

The trick is to plan meals you'll enjoy. Otherwise, the temptation to pick up takeout on the way home from work may overpower you. If you're new to the meal planning world, keep these tips in mind:

  • Shop sales — Look at coupon sites and store flyers to see which goods are on sale. Then, plan your meals around these ingredients.
  • Go meatless once a week (at least) — Meat is expensive. Try preparing at least one meal a week with canned fish, eggs, or legumes to cut costs.
  • Be seasonal — Fresh fruit and vegetables are less expensive when they're in season.

Keep Items In Your Cart

Some people might tell you to stay away from online shopping when you're budgeting your money, but this hack is one of our favorites — put items in your basket like normal and leave them there for a few days. The effect this has is mind-blowing.

It's so easy to find and buy items you think you badly want on impulse. However, keeping them in your cart for three days will give you some clarity and allow you to determine whether you truly need the item. 

Negotiate To Your Heart's Content

When you're making a massive purchase like a car or television, for example, get ready to negotiate. You'll likely acquire a discount when paying in cash. Plus, if you don't ask, you'll never get it. If saving cash is the aim of budgeting your money, then you need to grab discounts wherever you can. 

Negotiation can also come into play when you're paying medical bills. Most times, you can receive a whopping discount (often thousands of dollars!) from unexpected surgeries or treatments.

save spare change

Collect Spare Change

Get a jar and nickname it "Change Jar." Then, leave it in an accessible location, and every time you walk through the door, empty any loose change into the jar. Whether you have a few $1 bills or a $5 note, put it in the pot. That way, you can see the money accruing, providing you with that much-needed motivation to keep budgeting your money. 

Understand The True Cost

Whether you buy a pair of jeans or a new computer, think about the actual cost. To do this, calculate how many hours it would take for you to earn the money needed to pay for the item. Converting the cost of something into an hourly one is a brilliant deterrent for impulse spending since you would reflect on how much effort it took to afford it.

Celebrate Your Wins No Matter The Size

Celebrating even your small financial wins is enough to keep you feeling good about your newfound saving habits. It's not always easy to stick to a budget, so you deserve to be proud of anything you achieve. 

Be Prepared For Emergencies

The unexpected will happen, sooner or later. The point isn’t to avoid emergencies forever but to know how to deal with them when they happen. It's how you and your bank account handle these situations that matters.

Ideally, you'll have a well-bolstered emergency fund that will allow you to pay for the mishap and still pay your bills. However, if you've only just started budgeting your money, you might not have enough cash saved. That’s when fast payday loans Florida can be an option.

What Are Easy Payday Loans Online?

Easy payday loans online are financial aids that allow you to borrow a small amount of money (up to $1,000 through Fast Payday Loans, Inc.) to fund any emergency. The process to acquire one takes as little as 30 minutes, and if you are approved, you'll get your money on the same day or the following day you start the process.

easy payday loans online

How To Get Easy Payday Loans Online?

Just follow the steps below to get our quick payday loans in Florida:

  1. Fill out the online form on Fast Payday Loans, Inc. The form will send your information straight to the closest Fast Payday Loans, Inc. storefront.
  2. Wait for one of our loan representatives to call you. They'll tell you about the required items, the process and answer any of your questions.
  3. After your conversation, head to your nearest Fast Payday Loans, Inc. storefront. Don't forget to bring the following documents:
    1. Your government-issued photo ID.
    2. Your most recent pay stub.
    3. A blank check from an active checking account in your name.
  4. When you arrive, one of our loan associates will examine your documents to ensure you qualify.
  5. If approved, the loan associate will guide you through some simple paperwork.
  6. Once the paperwork is complete, you'll receive your money on the same day or the following banking day.

Get Your Easy Payday Loans Online

Budgeting your money can be tricky. But with our tips, you'll never let your goals take a back seat again! And remember, you can get easy payday loans online as soon as today if emergency strikes and you're yet to build a dedicated fund.