Sticking to a Budget
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December 20, 2022
Brandi Silver
This is Brandi Silver, FCS agent with the N.C. Cooperative Extension, Burke Center. Our program today is about sticking to the budget you’ve created.
Spend the month tracking all of your transactions! This is the best thing you can do to make your budget work for you. Tracking helps you stay accountable to yourself and your money goals. Your budget is not a set-it and forget-it task, stay on top and adjust if needed. If your electricity bill is higher than the budget, tweak another line to make up for it. If your water bill is less, celebrate and move the extra money to your money goal.
You will need to make a new budget each month. Your budget should not change a lot from month to month but no two months are the same. There are always other expenses such as birthdays, anniversaries, back to school, annual bills or seasonal purchases. A great way to handle these types of expenses is to create another category like, alternating expenses or discretionary funds.
It takes about three months to really get the hang of budgeting but it is how you will make your money goals happen! Budgeting tells your money where to go—instead of you wondering where it went. Make an appointment with me(bsilver@ncsu.edu) if you would like help getting started and becoming more confident managing your money!
This has been Brandi Silver with the N.C. Cooperative Extension, Burke Center. For additional assistance, contact me at 764-9480.