We hope you love our recommendations! Some may have been sent as samples, but all were independently selected by our editors. Just FYI, BuzzFeed and itspublishingpartners may collect a share of sales and/or other compensation from the links on this page.
These products and tips range from easy to challenging, so you can find something that works for your lifestyle and goals.
by Kayla SuazoBuzzFeed Staff
We hope you love the products we recommend! Just so you know, BuzzFeed may collect a share of sales or other compensation from the links on this page. Oh, and FYI — prices are accurate and items in stock as of time of publication.
1.A user-friendly, monthly budget planner that will help you keep track of your expenses by category so you see the bigger picture of your spending habits — and where you can make cut backs.
2.A planner which comes with 12 monthly pockets for receipts and timely bills so you have everything in one organized place.
3.A wildly popular book (it literally has over 5,400 positive reviews) to give a read. It lays out simple, no-nonsense steps that'll help you regain control of your finances.
4.A set of color-coded envelopes — like the ones mentioned in the review above — that you can designate for certain expense categories. When the envelope is empty, you stop spending money for that category.
5.Digit — an app to do mindless saving for you. It pulls small amounts of money from your bank account daily, so (over time) you earn a nice little rainy day fund.
6.A weekly meal plan pad that will force you to do more cookin' and less eatin' out (because ordering takeout every night adds up fast!).
7.A pre-planned grocery notepad — use it each week so you can go to the store and ONLY buy what you need, which will help you save some $$ in the long run.
8.A (very cute) thin budget book to add to your bigger day-to-day planner. It's small and compact so it can slip into your agenda, and it provides templates to help you lay out your expenses.
9.Plus some adorable budget stickers for whichever planner you're using (to remind you of bill due dates and help keep visual track of spending).
Because sometimes ya just need some good ol' encouragement!
Promising review: "WOW, this book is amazing. I love Jen Sincero as an author — I can relate to her writing so much. I am an '80s/'90s kid and her sense of humor and logic just resonates with me completely. She incorporates so many examples within her own life and relays them in a way that makes total sense: Like how to face your fears and everything that makes you uncomfortable about making money. Jen talks about how you should always have the tenacity and feeling as if the best thing ever is right around the corner, and how you should be able to just feel it in your bones. I feel that this book came at the right time for me, and I'm planning on reading it again and doing the exercises daily. I know deep down this is the catalyst I need to help change my life. I would love to have Jen as a personal coach, the book does however, make you feel like she's coaching you personally. LOVE IT!" —AliciaBelle
11.A bullet journal (if you're looking to be a little more ~creative~) for designing your own budgeting spreads so the experience feels more customized and tailored to your goals.
You can even do this for meal plans, shopping lists, and keeping track of gift buying during the holiday season! There are really no limits with what you can do with a trusty bullet journal. Read our whole guide to bullet journaling.
Promising review: "The paper quality is great in these notebooks. The notebook comes with the pages pre-numbered. At first I didn't think much of it, or even thought it was that useful. But combine this with the table of contents and applying some cataloging methodology from the Bullet Journal system, and you have a system to help you get super organized with your notes. Sure, you can number pages on any notebook by yourself, but the paper quality is great and this is just too convenient!" —Pete
Get it from Amazon for $19.95+ (available in 21 colors), and some fine-tip pens for $5.49.
And get a bunch of budgeting spreads to help you track your finances here.
13.A book that'll give you comprehensible advice on how to manage (or START managing, *cough cough* recent grads!) your finances. The whole idea is that there are nine simple budgeting rules — all of which can fit on an index card.
Promising review: "Simple advice is the advice you're most likely to follow and this book does a great job of laying out exactly that — simple steps you can take to protect your financial future, *why* those are good steps, and how to avoid common pitfalls. It's great for people who are not following the Index Card steps already and a perfect book to hand out to those younger folks in your life who need a to get started." —Andre Marquis
14.The Mint app to create budgets, easily track and pay bills, and check your credit score with tips on how to improve it. TL;DR: It's a great way to see all your bills and money in one place.
15.And lastly: coupons! Start taking advantage of them! This doesn't mean you to have to become an avid "extreme couponer" (or it does, it's whatever *you* want for your lifestyle!), but it can help you save. This book will teach ya the basics so you actually know what to do with all those CVS points.
Promising review: "For me it started with watching Extreme Couponing on TV. Things have changed from 2011 —you are not able to get 100 sports drinks or 100 toothpastes. This book is more realistic, and my husband was surprised when I started saving $$$. He was with me when the total came to almost nothing using extra bucks from CVS. The author tells you how to watch for the store's different policies, how you can save money stacking coupons, e-savings, etc., and how to prepare for your first shopping trip. It is worth the little money and it is practical. You can get some tips from the show but things have changed over four years. Good book!!! I am proud of myself, and it is possible to save money, you just have to know how!!!!!!" —Eunice G
Needs are items you cannot live without. These may include rent, groceries, and health insurance. Wants are items that are not necessary but may make life more pleasant. These may include dinners out, concert tickets, and clothes.
The 7 different types of budgeting used by companies are strategic plan budget, cash budget, master budget, labor budget, capital budget, financial budget, operating budget.
The 60/30/10 budgeting method says you should put 60% of your monthly income toward your needs, 30% towards your wants and 10% towards your savings. It's trending as an alternative to the longer-standing 50/30/20 method. Experts warn that putting just 10% of your income into savings may not be enough.
The 70-20-10 budget formula divides your after-tax income into three buckets: 70% for living expenses, 20% for savings and debt, and 10% for additional savings and donations. By allocating your available income into these three distinct categories, you can better manage your money on a daily basis.
Introduction: My name is Jeremiah Abshire, I am a outstanding, kind, clever, hilarious, curious, hilarious, outstanding person who loves writing and wants to share my knowledge and understanding with you.
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