You’ve created a budget but now what do you do?! How do you keep up with it and actually make it work this time? It’s a little intimidating, am I right! That's why you need a money date!
Money Date | A Quick How To
The hands-down best way to keep up with your budget and make sure you are staying on track is to have regular check-ins, also known as money dates.
First things first… What in the world is a money date and how do I have one?!
It’s really quite simple and as long as you make it relaxing, it’s not as overwhelming as it sounds. Also, please note that simple does NOT mean easy mmmkkk. There can often be mental blocks and our own fears and beliefs that we have to get over.
Now Onto the Fun Stuff, Haha
STEP ONE: You need to set a relaxing mood. Crack open a bottle of wine
, or grab your favorite drink; light a candle or spray some essential oils; then get down to business.
STEP TWO: Get out your budget and log in to all your bank and/or credit card accounts.
STEP THREE: Add up all the expenses in each category of your budget and then subtract from your budgeted amount to see how much you have left to spend for the month.
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NOW REPEAT EACH MONTH. If you overspend in one category, that money has to come out of a different category so that you are not spending more money than you are bringing in. At first, these dates may be very difficult and tense. Try your best to keep it light and factual – no blame game playing here!!
If you are in a relationship and share finances, you both need to know what the numbers are and where you are in the budget each week. Even if one partner is the one doing all the calculating and actually tracking and budgeting, it’s best to get both people involved in the money date. But let’s be real – this can be hard to do. Just make sure you are both on the same page at the very least.
If you and your partner cannot do these check-ins without arguing, blaming, or being hurtful toward the other person, then it may be time to find an outside person to help you. This is where a financial planner comes in handy. If you are looking for one, check me out on social media or my website to see if I would be a good fit!