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    Stress-Free Budgeting: 5 Unconventional Ways (That Actually Work!) to Stay on Budget

    Stress-Free BudgetingA common struggle for most households is sticking to a specific budget that ensures that all bills are expenses are paid in full. For many people, splurges and poor spending habits often lead to exceeding the budget and going into debt. Unfortunately, this is accompanied often by a lot of stress! Fortunately, there are several ways to prevent overspending and work within the allocated rules to prevent debt, late payments and extraordinary stress.

    1. Set Up Automatic Bill Pay

    To ensure that bills are paid in a timely manner, set up automatic bill pay with your bank or credit union for a convenient way taking care of the necessary expenses before splurging. The automatic payments can be made for the mortgage, utilities, and auto loans on a specific date each month. Automatic bill pay is truly a god-send and will significantly simplify your bill paying.

    2. Use Cash in Envelopes

    To resist the temptation to overspend, use cash that can be placed in separate envelopes for different expenses. Sure, this method may seem rudimentary or even old-school, but it’s extremely effective. Once the cash runs out, it will force you to wait until payday to purchase more goods or services. Using cash is also said to reduce spending due to the psychological pain involved of physically handing the money over.

    3. Use a Tracking Tool

    Take advantage of the myriad of sophisticated technology available at your fingertips. There are a variety of software programs and online tools available to track your spending after linking various bank accounts and credit cards. This offers an easy way to monitor how much is left to spend and where each dollar has been used.

    4. Pay Off Debt

    Paying off debt may seem like an unconventional way of staying within your budget, but by repaying loans and credit cards, it will free up extra money to use on savings or necessities. Although it can be difficult to create a plan to become debt-free, you can consult with financial experts who will help you create a solid and effective financial plan. This very well may be the single most effective strategy on this list. Being in debt is not only emotionally draining, but it very well may prevent you from purchasing a home or car.

    5. Keep Receipts

    Keep all of your receipts and bank statements on hand to calculate expenses and have documentation of how much has been spent. This will ensure that every dollar can be accounted for when working to recall how much is spent throughout the week. There are even sophisticated software programs that can sort and organize all of your receipts on your computer. Instead of establishing too many rules with a personal budget, there are several unconventional ways to prevent overspending and ensure that all of the bills are paid on time. By taking advantage of the right tools and resources available, it will ensure that your finances stay organized and regain control of your income. A life free of financial debt is not only liberating, but will give you an opportunity to successfully pursue all life has to offer.

     Author Bio: Karleia is a freelance blogger. Visit Paddon & Yorke Inc for a financial health checkup.

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