Budgets Are Sexy (2026)

Saving money on budgets sexy does not need to be complicated. Here is a clear, no nonsense rundown of what works and how to make the most of it.

Key Takeaways

• See if any of these concepts stick with you: #1.
• Which is much more juicier than a normal one, if you ask me! #2.
• Chart your net worth progress against your goals!
• I filled this in with your stats dating all the method back from 2008… I did yearly from 2008-2015, and then monthly from 2016 on.

Getting the Most From Budgets Sexy

My “awesome concepts” folder is piling up over here,  so I thought I’d release some of them on you right now to assist turbocharge your goals ;) All these come from emails and comments that YOU ALL have sent over the months, so large thanks for dumping out your smarts on us! An awesome method to charge your kids rent ;) From Paul: “I am going to provide my kids a (mostly) judgement free place to live when they are done schooling.

• Worth noting: my only Caveat is I will charge them rent, and that rent will be in the form of proof that they are maxing their 401(k) and IRA, and investing 50% of their net pay.
• As long as they do that they can live here ’till they get married.” Another excellent upside: they’ll be able to move out faster with all that money saved! ;) #3.
• More importantly, line 8 is your historical net worth amounts.
• I don’t know what your time line is for your cool $1M, but if it’s 2020, you’re ahead of the game.” So savvy, right?

Tips That Make a Difference

Looks like the first year and a half I was falling short of my goal of “a million,” but from there we took off and are set to hit it earlier than expected. I genuinely like this since it provides you a super fast concept of how well you’re doing or not in relation to your OWN goals and not anyone else’s.

• Remember that and it’ll now be yet another addition to my sturdy spreadsheet I’ve been tweaking over the years - woo!
• I’ll have to make a template of it one day for y’all, but for now here’s the spreadsheet Bill created above for any of you who’d like to copy/test it out yourself: Net Worth Comparison Chart Thanks Bill! (And your wife is right - you totally require to share your thoughts online somewhere!
• And then, is it worth it?
• If it brings tremendous value or return on investment, go for it.

Common Mistakes to Avoid

As a rule, if not, sit on it awhile. Then, when they decide not to make the purchase, I suggest putting that amount into their Freedom Fund, or FU fund, as numerous like to call it.

• How about the Middle Finger Fund to keep the fun there and the profanity out. :) #5.
• Pay enough added towards your mortgages to see a $1.00 decrease each month Another interesting concept by Richard, in response to staying motivated paying off your debt: “One of the aspects that made it simpler for me is focusing on a small detail.
• In short, i call it my magic number: $310.
• That is the number (rounded up to next $1) at which the added principle payment reduces my monthly interest by one dollar.

Is Budgets Sexy Worth It?

It is excellent to know that by paying that added amount, all my future payments will include $1 more principle, and $1 less interest. It’s a upside I can see on paper.

• Worth noting: i can also see the compounded effects of making those added payments over the years.
• It soothes the number crunching addiction I have.” I used to love seeing the interest portion of the payments going down by a dollar too.
• I at no point calculated “my number” to be sure that happened each month, but I did round up to the nearest hundredth each month - for both our mortgages - which sped up the debt killing immensely. #6.
• Visualize your debt progress!

Where the Real Savings Hide

More importantly, this also comes from Richard above. “For the visual reminder, we apply a picture of Walter’s Wiggles on the Angel’s Landing Trail in Zion National Park. Each few payments results in another marker placed on the trail.

• When the markers reaches the top, the mortgage will be gone!!” Here’s a picture of Walter’s Wiggles, in case you were wondering what the heck it was like I was :) [photo by Joshua Eckert] #7.
• Another “physical trigger” - the fridge!
• Remember that from Eric: “My wife and I have consistently been “goal setters” but last year at this time we made a pact to get aspects down on paper and put a due date on them.
• We decided to keep ourselves honest and post the list on our refrigerator on bright green paper!

A Closer Look at Budgets Sexy

Or check out 20 other triggers to hack your life and money we’ve previously shared. #8. The Money Circle Here’s an interesting one from Twoee: “My mother in law challenged me to try her method of saving.

• As a rule, a group of people get together and say they will each put it a certain amount of money per week (ours is $50).
• One person collects the money on the same day each week.
• Depending on the amount of people who pick to do this is how long you pay for.
• It also determines how much you get.

What to Know About Budgets Sexy

In short, everyone gets to pick when they wish to get there money. Our time is 25 wks for a total of $1,250.

• There is no interest on this but it does teach you that you have money to save.
• I didn’t even think I had the funds to do this.
• Worth noting: i work part time and my husband had just been laid off.
• Well, I am proud to say I have been saving $200 a month since Jan of this year!

Frequently Asked Questions

How can I save money on budgets sexy?

Compare prices across a few retailers, look for active coupon codes, and time bigger buys around sales events. An awesome method to charge your kids rent ;) From Paul: “I am going to provide my kids a (mostly) judgement free place to live when they are done schooling.

Is it worth shopping around for budgets sexy?

Usually yes. Worth noting: my only Caveat is I will charge them rent, and that rent will be in the form of proof that they are maxing their 401(k) and IRA, and investing 50% of their net pay.

Smart Ways to Save More on Budgets Sexy

• Leave items in your cart for a day; some stores send a follow up discount.
• Pair cashback with a coupon so you save twice on the same order.
• Stack a coupon code with an existing sale whenever the store allows it.
• Sign up for the retailer newsletter to catch first time and seasonal discounts.
• Compare the final price including shipping, not just the headline number.

Final Thoughts

Put these ideas to work and budgets sexy gets a lot less expensive. Bookmark this page, check back for fresh deals, and let the savings do the talking.

Originally published at budgetsaresexy.com.