Spring Clean Your Budget

Would you say that spring cleaning is a ton of fun? Although it’s not great while you’re cleaning, the end result can feel really rewarding! Did you know that you can also spring clean your budget? Just like spring cleaning your house, your budget could always use some updating mid-year. Here at Zebit we want you to maximize your financial potential! One of the best ways is to control of your budget. Here are a few tips to “Spring Clean” your budget this year.

Start Small

Just like cleaning a house, it works best to tackle your budget piece by focusing your efforts on one item at a time. All of us want to save tens of thousands to be able to afford our kids’ college education or buy our next car, but this can lead to burnout or low motivation. Instead, start with a smaller goal, like building up your emergency savings fund or paying down one of your debts. For example, focus on your smaller debts such as credit cards (especially the ones with high interest rates) over larger debts such as a mortgage or student loans. You’ll find that by focusing on paying off the smaller debts, you’re going to stay more motivated because you’ll be able to visibly see the dent in the debt faster.


Cut Back Unnecessary Expenses

Evaluating your expenses is a fantastic way to set yourself up for financial success. If you’re not already evaluating where your money is going, it’s time to start. That coffee on the way to work or going out to lunch daily, might not seem like much money in the moment, but these expenses can add up quickly and destroy any budget. Another budget-killer are unused subscriptions such as video or music streaming services, magazines, or cloud storage. Often times we can sign-up for a free trial and by the time the trial expires we’ve forgotten all about it. If you’re not keeping track of where your money is going, it can be easy to forget about that $10/month charge that comes out. These subscriptions can easily pile up to the point where you’re spending $50+ a month on services you’re not really using!


Create Realistic Goals & Write Them Down

One of the most important steps when cleaning out your budget is to be realistic when setting your new goals for the year. Yes, it’d be great to pay off your car loan in the next three months, but depending on your situation, that could mean sacrificing in a lot of other areas. A goal could be saving for a family vacation or pay off a credit card balance by the end of the year. Whatever your goal, write it down and place it somewhere you can see it every day. By setting yourself up with realistic goals, achievable timelines, and reminding yourself often, you’re more likely to succeed and avoid impulse purchases that bust your budget.


Everyone has a different financial situation. We hope that you find these tips helpful to setting up a realistic budget for yourself this year! Do you have any other tips that you utilize with your budget? Share them in the comment section, we’d love to hear what you’re doing to stay on top of your budget and finances!

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