Through the Pines Ep. 22 - How to Stick to a Budget The Banyan Collective

HOW TO STICK TO A BUDGET - THROUGH THE PINES PODCAST
Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch would listen to while churning butter, this is Through the Pines…
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Our financial wizards this week include Rex Baxter, Brandyn Smith, and Dan Nelsen
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SHOW NOTES:
 
What is a Budget?
Best Budget Methods
Savings vs Spending vs Retirement & Investments
Budgeting Debt (payoff)
Budgeting for purchases
Where does a budget live: Apps, Notebooks, etc?
 
Factors that Could derail Budgets?
Life events - lost job, car repairs, divorce, medical
Laziness - not putting in the effort
Lack of Discipline (Greed) - wanting to make a purchase so bad you break budget
Lack of support from life partner/spouse
S’more Numbers
How to get back on track
Don’t panic
Contact a professional
Reset Goals
Craziest Budget Hacks (https://inspiredbudget.com/); https://www.nerdwallet.com/article/finance/best-budget-apps
Freezing money
Online Groceries, Shopping lists & Meal Plans
Envelopes
Pay Debt First
Mini-Budget 
Remove cc info from online shopping sites.
Let items sit in your cart for 24 hours  
Split subscriptions
Side-Hustles
Buy in bulk
“No-Spend” Month Challenge
Budget apps: Mint, Goodbudget, YNAB, EveryDollar, PocketGuard, Honeydue
Contact Info: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates/
 
Through the Pines  -  Reminding you to use Yesterday’s Dollars to Finance Tomorrow’s Dreams