5 Things I Do When Budgeting Money Makes Me Cranky

Okay I’m sure I’m not alone in this, but constantly budgeting my money makes me cranky! With 4 kids and a limited budget, there’s not always a lot of wiggle-room when it comes to “fun money”. Yes, I’m always putting money in the savings account for our retirement and there’s a little bit going into the Disney bank. But when it comes to right here and now, not being able to just buy whatever-I-want whenever-I-want-it makes me irritable!

So I can’t go on a spending spree and that’s okay. These are 5 things I do when I need a little escape from reality. They are just the right pick-me-up when the budget is tight.

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What are the little things you can do when budgeting makes you cranky? 5 Things I Do When Budgeting Money Makes Me Cranky

1. Plan a Fake Vacation

Can’t hop a plane or jump ship? Just like reading a book transports you into another world, planning a fake vacation can transport you around the world with a click of a button. This is one of my most favorite ways to daydream. Pick a spot on the map and delve into this area as if you were really going to visit!

  • Borrow travel books from the library. Which part of the world are you most drawn to?
  • If you could only drive 500 miles or less, which direction would you go and what would you do?
  • If you had to travel in central Europe which country would you go to? (I actually made this decision when I won a travel contest!)
  • Read up on cruising. Check out the Disney cruise restaurants and menus – They’re all online!
  • Which attractions would you visit in Orlando other than Walt Disney World?
  • If money were no object (and it never is when planning a fake trip) which extravagant add-ons would you make?
  • Perhaps someday when you win the lottery (that’s totally going to happen, right?), you’ll already have your travel itinerary ready to go!

Planning a Disney trip? Pick up one of these recommended Walt Disney World or Disneyland books for everyone in your group!

2. Fill my Online Shopping Cart with Clothes I’ll Never Buy

I’m not literally going to go to Target, load up a cart and then abandon it at the door. But it’s TOTALLY okay to do that online! In an online shopping cart you can virtually mix and match, quickly move from dresses to shoes to jewelry. And when you’ve gotten the shopping bug fix, simply close the browser window and you’re wallet is still intact!

3. Get Rid of Stuff

If I’m on a budget I can’t buy more stuff but it does give me some joy to pass along some of the stuff we already have. Purging and giving makes me thankful for things I was able to purchase and reminds me that I already have enough “stuff”.

  • Weed through kid’s closets. What doesn’t fit and who can you pass the clothing down to?
  • Is there something in your closet you haven’t worn in a very long time? Request a bag from ThredUp and you may be able to resell some of your items.
  • Have a garage sale. Put the money you make towards something special.
  • Be ruthless in the kid’s toy bin. Keep only what they really play with and donate the rest.
  • Next time you pull out the holiday or seasonal bin, see how you can pare down the decorations so that you only keep your most favorite items.

Budget-friendly & Practical Organizing Solutions for Small Spaces

4. Buy Something Little and Fun

A cheap but meaningful splurge can really boost spirits when the wallet is tight. Obviously you can’t do this one every day (or even every week!) but once in a while buying something small is just what you need. What little thing makes you happiest? For me it’s something that pampers me, like new Jamberry nail wraps or a lipstick! For family fun, choose a new board game or get a gallon of vanilla ice cream and a few toppings for mid-week sundaes.

What are the little things you can do when budgeting makes you cranky? 5 Things I Do When Budgeting Money Makes Me Cranky

A manicure at home (on a budget) makes me feel better!

Look Ahead to Something Real

What fun thing do you have coming ahead in the calendar that you can look forward to? Whatever it is, start your planning now! I love planning and think that research is half the fun. So if you have a vacation ahead, cultivate your own official itinerary. Research restaurants, peruse online menus and decide which mouth-watering dessert you’re going to order when you get there. I find that looking ahead (and not dwelling in the I-can’t-right-now) really fills up my thankfulness cup and reminds me why I’m budgeting and saving in the first place!

What do you do when budgeting gets you down? Share in the comments!

No Spending Month – 30 Days Without Extra Expenses

I have a 30 day dare with myself and my family not to have any extra expenses. This is our “no spending month” and I’d love for you to join me on this challenge. Read about my “why” and how I plan on implementing these no spending rules, without undue stress or resistance from my kids!

Challenge Yourself to a No Spending Month - 30 Days Without Extra Expenses

The Start of my No Spending Month

It was January 2nd and I needed to make a Target run for more whole wheat flour and canned tomatoes. I had no reason to walk through the Dollar Spot area but I did, you know, just to see what was there (I know you feel me on that, right?)

Into my cart went stickers ($1 – for the students I teach at the rec center), Valentines ($3 – for my preschooler) and a Day planner ($3 – for my husband, who’d mentioned wanting one). Then I remembered that the dish soap had run out so I grabbed a refill bottle ($3.99).

Almost eleven dollars spent. Sure, that’s not much but  in hindsight, it wasn’t anything I needed to buy. I already have stickers I could use for my students, I didn’t need to buy more but they were cute and “cheap”. Valentines Day is still a bit of time away and I actually could probably print them myself at home. The dish soap wasn’t really needed. I have multi-purpose soap concentrate that we bought in bulk that can be used as dish soap. And my husband said he didn’t really need the paper day planner after all, he’s going to use a free app on his phone.

If I took a more serious look at my budget I just know that there are more ways I could be cutting back; I know there are extra expenses I’m making that don’t really need to be made! I’ve decided to make January my “No Spending Month” and intend to go at least 30 days without extra expenses.

Challenge Yourself to a No Spending Month - 30 Days Without Extra Expenses

What are “Extra Expenses”?

Extra expenses mean different things to different people. Perhaps for you it’s skipping the coffee shop and making your morning brew at home. Maybe it’s brown bagging lunch to work or not buying any clothes for the month. Or eschewing entertainment costs for at-home family fun.

For us, eliminating extra expenses means-

  • Not eating out
  • No frivolous food purchases, including chips/crackers, dessert items and alcohol
  • Nothing that we don’t imperatively need or require to run our family or home.

What are your “No Extra Expenses” rules? Write them down to make them real and do your best to stick to it for at least 30 days.

Discuss it as a Family

Everyone will need to be on board to accomplish getting through 30 days without extra expenses. Talk about your plan with the kids so they’ll know what to expect. If they’re used to spending money out on the weekends or dinner in a restaurant a few times a week, they’ll need to see and hear why you’re making changes in the usual routine.

However saving money doesn’t have to be a downer and here’s a story to reiterate that. Once in a while I take my preschooler out to lunch, just the two of us as a special treat. Those “special treats” are usually only twice a month but with the average cost around $15 a visit, that’s $30 I could be saving! Today when I picked him up, he asked if we could go to lunch in a restaurant and I had to tell him no, that we aren’t doing extra spending this month.

However I want to make saving money a positive thing for thing, so I told him we could still do something special. When we got home, we made pizza together for lunch. It cost me about $1.50 in groceries (that I already had at home) and it was still a special treat for just the two of us!

Challenge Yourself to a No Spending Month - 30 Days Without Extra Expenses

Why are Your Doing it?

In essence, why are you making this change to eliminate extra expenses? Your reason might be different from your spouses, and even your children.

  • Do you feel like you’re overspending?
  • Do you have too much unnecessary stuff in the house?
  • Are you an impulse buyer and need to rein it in?
  • Do you want to save up extra money for something specific?

Consider the Cut-Back First

If your family is accustomed to movies, date nights, dinners and shopping every weekend and you’re planning a nix to all of it, a drastic change in the usual plans may be a shock to them! Perhaps consider a cut back for 30 days first before completely cutting things out. If you’re used to eating lunch out every day, cut back and only indulge in one or two lunches out and pack your lunch for the other days. If you always purchase concessions at the movies, still go see a film but have a snack at home first. When you’re ready to cut back further, skip movies in the theater and watch them only when they come out on DVD.

Challenge Yourself to a No Spending Month - 30 Days Without Extra Expenses

Fun Stuff Already in the Plans

What is you already have something planned during the 30 days? Use good judgement and don’t outright cancel your fun plans. If you’re going to a birthday party it would be okay to purchase a gift rather than showing up empty handed.

What About Entertainment?

We’ve slowly eliminated most costly entertainment over the years so it won’t be much of an affect for my kids during the 30 days of no extra expenses. We eat at home before we go somewhere or pack a lunch and snacks to take with us so we aren’t tempted to eat out when hunger strikes. We choose free things around town to do, usually something that gets us up and moving. We’ll take the soccer or basketball to the park or we’ll set out on foot to explore a trail. We can usually find a family movie on Netflix or we pull out one of our tried-and-true DVDs to watch in the evening.

What Will We Do With the Extra Money?

As usual, I’m “Saving Up for Disney”! Hoping to be able to take my kids to a conference at Walt Disney World this year and airfare is over-the-top expensive for all of us. $11 here and there really can add up! My goal is to save $200 a month for the next 4 months to get the airfare costs covered.

What will YOU do with the extra money you’ll save from this challenge? Share with me in the comments!