Something clicked and to be honest it SHOULD have clicked years ago but it didn't and for that I do feel bad but can't hold on to what can't be. Only thing to do is to change for the better and that is when budgeting BIG time has started to take place.
As most of you might I am a SAHM so my personal income that I bring is is very tiny but when I do I make use of it along with my coupon savvy saving self (say that 3x fast!) and can get groceries done.
Today I'm sharing some apps have helped me budget and save.
SwagBucks : One of my favorites. This app actually rewards your for doing searches which at first I thought really how is that possible but for using their search bar you do are able to earn "swagbuck" as they add up you can trade them in for gift cards (which is what I have been doing I "cash" them in for Amazon GC and have just been leaving them add up. Especially I figured I can use what I save up on some supplies for my oldest for college this Summer. (I've added an affiliate link if you would like to join the fun)
Envelope 2: This is where I write down what I am spending each month. I am making sure to break down each month each "envelope" as to how I am going to spend and it's really helped me SEE what I am doing. The key is to write it ALL down. The good, the bad and the ugly! That is a way to learn where you have to change and adjust you'd be surprised at how much that will help.
Ready For Zero : This is the one that has made me check how I'm doing with my credit. For me where my downfall happened with my credit was college. I remember walking into campus and seeing little booths being set up in front saying oh sign up you can get a free walkman (yes dating myself) or sign up and get a bonus whatever...AHHH FOOL was I and yup took those cards and ran and YOU guessed it.. taking credit cards with no jobs and already having to pay for school BIG NO,NO... YUP you guessed it MESSED up my credit till my credit was no more.
This app is one I really am loving a I am seeing what is going on and getting excited to see what is happening. YES I've already warned my son over and over again about Credit cards. Cash is KING! (for right now for him and a debt card)
Motivated Mom : I know you all might be saying but what does that have to do with budgeting? Well this app helps me budget my time. I do have a planner and I write down everything but the more help I have to remind myself the better.
I use the free version since like I said I write everything down this is more of a secondary check list. I add things I need to accomplish throughout the day for myself and the family and that helps me keep in check of what I have to do and that in turn helps me budget my time.
I hope some of these apps are as helpful as they have been to me. Are there any apps that you just can't live without that help you budget? I'd love to hear what they are.