{"id":21440,"date":"2015-01-06T09:00:59","date_gmt":"2015-01-06T14:00:59","guid":{"rendered":"http:\/\/thehappyhousewife.com\/frugal-living\/?p=21440"},"modified":"2020-01-09T11:22:19","modified_gmt":"2020-01-09T16:22:19","slug":"kicking-off-new-year-on-budget","status":"publish","type":"post","link":"https:\/\/thehappyhousewife.com\/frugal-living\/kicking-off-new-year-on-budget\/","title":{"rendered":"Kicking Off the New Year on Budget"},"content":{"rendered":"

By contributing writer Laura<\/a><\/em><\/p>\n

With the new year comes new resolutions and the determination to make this year even better than last. If your budget got busted after Christmas shopping and entertaining this December, then I have some tips to help you start off the new year on the right foot.<\/p>\n

\"Kicking<\/p>\n

Don’t Be Discouraged<\/h3>\n

Try to keep a positive attitude and try not to be discouraged by your current debt or overspending from the past. This will help you face your financial challenges with more hope and determination. Instead of wallowing in past mistakes or the bleakness of your bank account, focus on positivity and change.<\/p>\n

Set Up Regular Meetings<\/h3>\n

It is a good idea to have all decision makers and spenders on the same page regarding family finances and your budget. Set up a time each month, or even each week<\/a>, for you and your spouse to discuss spending habits and the budget for the upcoming month. Also take a chance to set goals, determine the amount of money to be allotted to each expense category, and review bills or upcoming expenses.<\/p>\n

Use Free Budget Tools<\/h3>\n

Take advantage of free budget tools and resources. Some of the top, reputable and free resources that can help you create a budget and assess your current financial situation include:<\/p>\n