Creating and sticking to a budget can feel daunting. When we miss a day, a week or even a month, we often ditch the effort and feel lost again. I think we can all say that discipline is the #1 step to organizing our finances. Another critical factor is consistency. Building consistent financial habits helps us stay organized.
- One of the biggest financial stressors can be credit card debt. There are several philosophies to getting out of credit card debt. One that often works is the snowball method, where you attack the smallest balance first. This helps you build momentum, like a snowball rolling down a hill.
- When everything seems to cost more, discipline and consistency are a must. So is meal prep but it can save you a lot of money every month. Preparing meals in advance helps you get organized, think ahead, and eliminates impulse buys. You may also be able to buy in bulk which save money too.
- Review your subscriptions and automated purchases. Do you really need six streaming services? Probably not, so cancel the ones you use the least or see if your favorite shows are on a less expensive platform.
- June is a good month to find ways to save on your energy bills. Try these three steps to start: 1) change your air filters, 2) check the seals around windows and doors, and 3) unplug unused or under-used electronics from the wall. One last thing, in the hot summer months, only run your dishwasher and washer and dryer at night. This will reduce the amount of heat that is already causing you’re a/c to run overtime.
- Take the Spend Challenge. This is hard and most people don’t do it because it can feel stressful at first. Review your last three-months of spending. Track everything then analyze where you think you can save – dining out, clothes shopping, expensive or name brand grocery items, gas, etc. Then challenge yourself to shave a little here and a little there.
There’s savings in there. Discipline and consistency are can help you get there, one day at a time.
If you need extra cash to jump start organizing your finances, visit a friendly CashMax store near you. We love our clients and love meeting new customers.
- Get pre-approved for a cash advance up to $2,000 or title loan up to $2,250 over the phone from one of our knowledgeable associates.
- You can start the process of getting a cash advance or title loan online.
- CashMax has 37 convenient locations in Texas to serve you:
- 635 W. Pioneer Parkway, Arlington, TX 76010
- 12209 Lake June Road, Balch Springs, TX 75180
- 4105 State Hwy 121, Bedford, TX 76021
- 2019 N. Center Street, Bonham, TX 75418
- 1420 S. Bridge Street, Brady, TX 76825
- 551 W. Commerce Street, Brownwood, TX 76801
- 750 Hurst Street, Center, TX 75935
- 1907 Ave. F NW, Childress, TX 79201
- 617 W. Henderson Street, Cleburne, TX 76033
- 2001 Texas Avenue, College Station, TX 77840
- 2127 East Highway 190, Copperas Cove, TX 76522
- 1845 South FM 51, Decatur, TX 76234
- 411 W. University, Denton, TX 76201
- 615 E. Camp Wisdom Road, Duncanville, TX 75116
- 308 E. Ennis Ave., Ennis, TX 75119
- 5732 Camp Bowie Blvd., Fort Worth, TX 76107
- 2516 NE 28th Street, Fort Worth, TX 76106
- 1714 N. Culberson Street, Gainsville, TX 76240
- 3354 Broadway Blvd., Garland, TX 75043
- 2115 State Highway 16 South, Graham, TX 76450
- 928 N. Belt Line Road, Grand Prairie, TX 75050
- 1319 S. Jackson Street, Jacksonville, TX 75766
- 610 E. Lantrip Street, Kilgore, TX 75662
- 2501 South WS Young Drive, Killeen, TX 76541
- 207 A Hwy 183 North, Leander, TX 78641
- 1288 W. Main Street, Lewisville, TX 75067
- 508 E. Loop 281, Longview, TX 75605
- 300 S. Chestnut, Lufkin, TX 75901
- 1809 US Hwy 281, Marble Falls, TX 78654
- 2500 North Street, Nacogdoches, TX 75965
- 2102 Crockett Road, Palestine, TX 75801
- 147 N. Collegiate Drive, Paris, TX 75460
- 1827 Texoma Parkway, Sherman, TX 75090
- 406 S. Southwest Loop 323, Tyler, TX 75702
- 915 Hillcrest Drive, Vernon, TX 76384
- 3117 Kemp Blvd., Wichita Falls, TX 76308