Credit Cards
recommended by
our experts

Get Cards
Credit Card eZine - News and Articles about Credit Cards

Credit Card eZine - News and Articles about Credit Cards

Get even more information on credit cards? Read our Credit Card eZine. The section is regularly updated by our specialists. Learn all the financial tricks. Know the pitfalls and hidden bonuses. Find out how to transfer balances and accumulate points. We will tell you about the latest offers on the market.Get your credit card education and make the most out of your plastic.

How to Stick to a Budget Without Feeling Like You’re Sticking to a Budget

[February 10th, 2017]

The beginning of the year is the time when many people are trying to do two things: eat less and spend less.

Or maybe it’s more accurate to say that people are trying to eat healthier and spend healthier, rather than just to eat and spend less. Still, when people think of dieting and budgeting – two things that come with the territory when you’re trying to improve yourself – they often think of deprivation.

To make sticking to a budget easier, instead of thinking of it like a diet, think of it like a healthy eating plan. You can still spend money – just like you can still eat – but you’re going to spend it better, and smarter. After all, you can’t stop spending money altogether, just like you can’t stop eating altogether. And who would want to? Eating and spending money are both fun. But done to excess, both can also make you very sick to your stomach.

Here are three ways to make sticking to a budget easy, and maybe even fun:

Get excited about spending money. Having a budget means having categories where you’re allowed to spend money. So instead of feeling sad and deprived because your spending is going to be limited, get interested and excited about where you will spend money. There are lots of great things to spend money on: healthy foods, vet visits for your beloved cat, a nice home to live in, comfy bedclothes to snuggle into every night, a terrific summer camp for your child. Be grateful you have the funds to spend on these things, rather than feeling angry or worried that you don’t have more.

Make it a game. See how much you can cut your grocery spending one month. Break out the crock pot and buy some dried beans in bulk so you can perfect your slow cooker stew recipe. Challenge a friend to a no-shopping week, or even a month where you don’t spend money on a specific thing, like eating out or buying new clothes. See who can hold out the longest.

Get a cash back rewards credit card. If you have good credit, you can probably get a card with 5% cash back in rotating categories, up to a certain limit. This means you could earn up to $75 cash each quarter. Remember that you have to sign up for this perk every quarter, so don’t miss that window.

Share Opinion:
del.icio.us   digg   Furl   YahooMyWeb   Propeller   Reddit   Google
[August 10, 2017]
When you realize your credit card number has been compromised and someone is out there spending money under your name, it’s one of the worst feelings there is. So Discover’s newest fraud-prevention program is good news for anyone who has experienced that sickening feeling of worrying that your c...
[July 20, 2017]
A new report has good news and bad news about savings in America. The good news is that the percentage of people without an emergency savings fund is at a six-year low, down to 24% from 28% last year. The bad news is that nearly a quarter of folks have no emergency savings at all. And while the perc...
[June 20, 2017]
Discover cardholders will be able to contact customer service more easily with the advent of in-app messaging, which allows customers to communicate with Discover customer service agents without having to stop and restart their interactions when they are logged into or out of their accounts on their...
* The CreditCardSpecialist.com webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. CreditCardSpecialist.com does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click "Apply" for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer's website. All logos on the CreditCardSpecialist.com website are property of their respective owners.
Disclaimer: This editorial content is not provided or commissioned by the credit card issuer. Opinions expressed here are the author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Reasonable efforts are made to present accurate info, however all info is presented without warranty. Consult a card's issuing bank for terms & conditions.
We do our best to maintain the information accurate at CreditCardSpecialist.com. However, all the credit cards information is subject to change and presented without warranty. See the up to date credit card terms and conditions on the secured credit card application page. Note that CreditCardSpecialist.com may be compensated by credit card issuers when visitors apply for a credit card through the links on this website.
CreditCardSpecialist.com, an independent, advertising-supported website, receives compensation from the companies whose offers appear on the site. This compensation impacts where and how credit products appear on our site, including, for example, the product listing order in which they may appear on separate pages. CreditCardSpecialist.com does not present or review all available credit or financial offers.
Disclosure: Not an access card.