We Hate Budgeting

The last 2 years have been a stretch out of everyone's comfort zones - and that includes our shopping habits. With everyday groceries like coffee, milk, eggs, and gas going up in price, it may feel grim every time you go to the store. But take heart! Gabe and Wes break down the topic of inflation and how it affects your daily life. One silver lining - things won't stay this way forever. Follow us on Twitter and visit WeHateBudgeting.com to listen to all of our episodes. 

Judy is with us again this week! Have you ever wondered how much you should be spending on groceries per month? It may be more (or less) than you think. As we wrap up our time with Judy, she gives us more great tips about eating well on a budget, taking account of your circumstances, and how to secure better deals on your food through buying certain items in bulk.Follow us on Twitter and send us a message at WeHateBudgeting.com if you have any suggestions for a great episode topic. Join us again next week for another great conversation!

We are talking all things groceries on We Hate Budgeting today! Joining us for our discussion is Judy, one of Wes's long-time coworkers and a financial coach, who is a champion of shopping smart for her family. We tackle the questions of: "When should I be shopping?""How much should I be spending?" "What is the best way to grocery shop?"Join us next week for more grocery tips and more Judy! Keep in touch with us on Twitter and at WeHateBudgeting.com. If you have a topic you'd like us to cover, send us a message on our website. 

When you're just a few days away from payday and you're trying to make ends meet, how do you stretch your dollars to tide you over? Gabe gives some of his personal strategies for being proactive about saving money before getting in a bind. From online ordering to couponing to cutting down your wardrobe, these tips are sure to jump-start your savings.Do you have a topic you would like us to cover? Let us know! Send us a message at www.WeHateBudgeting.com. Don't forget to follow us on Twitter!

Picture this: It's payday. Your paycheck is deposited in your bank account. What do you do next? Wes breaks down what to do when you get your paycheck to make it last until the next one. By allocating your spending, you can make sure that bills are paid, groceries are bought, and all of your needs are covered. Once you've given your dollars a purpose, you are accountable to yourself to spend that money on what you set it aside for. Do you have any budgeting questions? Send us a message at WeHateBudgeting.com and we may address your question on an episode! Follow us on Twitter, too! 

So... what happens when you start losing track of keeping to your budget?Wes gives some comforting advice to this situation - your long-term spending plan isn't made to be perfect every month. It's just a guide. No matter when you set out to keep to your spending plan, you can always adjust and get back on track. The goal is for you to enjoy your life and live well, not to stay frustrated under the thumb of a budget. What would you like to hear us discuss on the podcast? Head over to WeHateBudgeting.com and leave us your suggestions. Follow us on Twitter too!

Grab a flashlight and your favorite pumpkin pail, because Halloween is just around the corner! In today's episode, Wes and Gabe recount some of their favorite Halloween memories ranging from childhood costumes to celebrating the season as an adult. But don't worry, there are no spooks here: today's episode is all about using your hard-earned money to have a little holiday fun.The older we get, the more we might think about the costs of decorating and dressing for Halloween as a burden.But Wes has some news: it's your money, and you can do what you want with it.Budgets exist to give us freedom in times of festivity. So, get the good candy, stock the yard with decorations, and have no shame in the process! Wes and Gabe say, if it brings you joy, it's worth the price. Follow us on your favorite streaming platform and keep up with us at WeHateBudgeting.com and on Twitter. Do you have a topic or question that you'd like us to cover on the podcast? Send us a message at WeHateBudgeting.com! 

Today on the podcast, we welcome a very special guest: author Mary Hunt! Mary has authored 23 books and is the owner and writer behind DebtProofLiving.com, and the daily blog EverydayCheapskate.com. Join us as Wes, Mary, and Gabe talk about the all-too-common anxieties surrounding finances. As a seasoned financial guru, Mary gives us some valuable advice on how to keep from spending money you don't have and the benefits of living within your means. Check out DebtProofLiving.com and EverydayCheapscate.com, and get Mary's book, Debt-Proof Living: How to Get Out of Debt & Stay That Way on Amazon. Stay in touch with us at WeHateBudgeting.com and on Twitter! 

"Shouldn't I be paying more than just the minimum payment on my debts each month?" The short answer: YES! However, it does you no good to pay extra on all of them at once. Here's the secret: pay the monthly minimum on all that you owe, and then put any extra cash towards paying off ONE debt. By using the debt roll-down method, you can pay off debt faster and completely pay down one balance at a time! Share your favorite budgeting tip with us over on Twitter, and check out WeHateBudgeting.com for more smart spending resources!

Shopping for credit cards can be a tough process. They offer different rewards and have certain fees - how do I know which one is the best? The truth is - you're paying for credit card rewards whether you are using a credit card or not! This week, Gabe and Wes talk about how to responsibly use your credit card to make the most of those rewards that you're paying for. Stay in touch with us through the week on Twitter, and check out WeHateBudgeting.com for more budgeting tips and tricks.

Fact: a lot of us wouldn't admit it - but we are addicted to money. The less money we have, the more worried we become. The more money we have a chance to make, the more we want it.How do we change this toxic mindset when it comes to our funds? Wes reveals his trick: Generosity. By giving some of our money away, we further implant the thought that our funds are fluid and meant to be spent. It's good for our health, too! Check out WeHateBudgeting.com and follow us on Twitter for more budgeting tips. Source: https://www.apa.org/research/action/speaking-of-psychology/financial-stress

When saving money, the most important question isn't "How much?" - it's actually "For what?" Wes and Gabe dive into the topics of saving for a purpose, a good amount to save based on your income, and how to save so you can be prepared for emergencies. Oh - and don't forget that it's okay to treat yourself with something small every once in a while! Stay in touch with us throughout the week at WeHateBudgeting.com and on Twitter.

We all stand in front of ourselves and our own goals when it comes to getting things done.Stop delaying action so that you can prepare yourself for the future. Gabe and Wes throw out some practical steps you can take to keep you from putting off the small things. Future You will thank you! Follow us on Twitter and check out www.WeHateBudgeting.com for more financial (and general life) tips. 

Are you heading to college or know someone who is? Send this episode to them! Gabe and Wes talk through some important first steps toward financial stability that you can start in your first years of school. Topics include: - Opening a Savings Account - Credit Cards and How to Build Credit Responsibly  - Student Loans - Living Expenses and Spending Plans We have also created a Credit Card Terms Cheat Sheet for you, available at WeHateBudgeting.com. Check us out on Twitter and share your weekly smart spending win with us! Sources: https://www.cnbc.com/select/guide/money-management-for-students-back-to-school-budgeting/#why-you-should-open-a-credit-card-in-college https://educationdata.org/student-loan-debt-statistics

Back to School season is here whether we like it or not! Commercials, magazines, mailers, and social media ads will be trying to sell you this year's "essentials" like crazy. What's the best way to budget when it feels like you're buying things for your kiddos left and right? Wes shares some easy, money-saving tips to stick to your shopping list without overspending. Make sure to check out Episode 6: How Not Buying Things Can Make You Broke for a look back at the "Revenge Spending" trend and how to avoid it, too. Listen to We Hate Budgeting wherever podcasts are streamed and on our website, WeHateBudgeting.com. Don't forget to follow us on Twitter! 

We constantly fail at things when we look at them as restrictive. Think about diets - as soon as you start that diet plan all you want to eat is junk food. The same thing happens with our budgets! You will fail until you change your mindset. By following Steve Smith's Success Cycle - planning, tracking, comparing, and adjusting - you can keep yourself from burning out on budgeting. Head on over to www.WeHateBudgeting.com to find some more tips and tricks for your financial goals, and find us on Twitter. Sources: https://nationaltoday.com/national-financial-awareness-day/https://www.thecut.com/2017/05/the-annoying-psychology-of-why-you-cant-stick-to-a-budget.html

This week, we tackle the last of Brad Klontz's 'Money Scripts' - the Money Vigilant. Ultimately, Money Vigilant people see money as a tool. They aren't afraid to use their hard-earned cash when the time is right.This script sounds the least problematic of the four — but as you know, every script has its downsides. In this episode, Wes and Gabe give us advice on how to avoid a cycle of obsessive saving and make sure money stays framed in a healthy light.Follow us on Twitter and check out www.WeHateBudgeting.com for some answers to all of your finance queries. 

This week, Gabe and Wes discuss Brad Klontz's third 'Money Script' - the 'Money Status Seeker.' Hallmark traits of this Money Script are:- Your sense of worth being tied directly to your bank account- Living a lifestyle you can't actually afford- Never being happy with what you have...(...and maybe owing your debt to that sports car you bought to impress your ex)Although this script seems to cast a long shadow on your journey to financial peace, Wes offers hope to those of us who struggle to say "this is good enough". Stay in touch with us all week on Twitter and at www.WeHateBudgeting.com. 

If you've ever caught yourself saying, "Man, if I only had more money, everything in life would be perfect"......you might be a 'Money Worshiper'.Developed by Brad Klontz, 'Money Worshiper' is the second 'money script' used to describe people who prioritize working, making money, and stockpiling wealth over any other pursuit in life.In this week's podcast, Wes shares valuable insight on how we can reset our financial focus by making goals, giving money away, and finding tools to keep us accountable. By the episode's end, listeners will learn how to repair and reframe their view of money.Stay tuned for next week's analysis: the 'Money Status' script! In the meantime, check us out on Twitter and at www.WeHateBudgeting.com. 

Does the very thought of money make you anxious? Do you feel like money is the root of all problems? When you have more than a certain amount of money, do you try to give it away? If you answered 'yes', you might be a Money Avoider. Today, Gabe and Wes talk about Money Avoiders - one of Brad Klontz's four Money Scripts.Tune in to hear some tips on how to reframe your money mindset. (After all, you make money to live — not the other way around.)For more budgeting tips to flip the script, check us out on Twitter and at www.WeHateBudgeting.com