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5 habitudes pour réinitialiser votre budget en 2024

— Alexandra Ardelean

La nouvelle année est dans quatre jours! Pouvez-vous le croire? Je suis tellement excité de commencer à zéro et de revenir sur la bonne voie avec mon budget.

In the spirit of starting fresh, I want to share five budget reset habits that I'm implementing for 2024. These habits will help me get back on track with my budget and set myself up for financial success in the new year.

Review Past Year's Expenses

The first budget reset habit I'm implementing is to review my expenses from the past year. This will help me identify areas where I may have overspent and make adjustments for the new year.

Je prévois de passer en revue mes relevés bancaires et de regarder chaque dépense pour voir où est allé mon argent.

By reviewing my past year's expenses, I'll be able to identify any problem areas and make a plan to avoid overspending in those categories in the new year.

Supprimer les catégories de budget inutiles

The second budget reset habit I'm implementing is to remove any unnecessary budget categories or adjust their amounts.

As I was reviewing my expenses from the past year, I noticed that there were some categories that I didn't really need. For example, I had a subscription to a magazine that I never read, so I canceled it. I also had a category for "entertainment" that was too vague, so I broke it down into more specific categories like "movies" and "dining out."

By removing unnecessary budget categories or adjusting their amounts, I'll be able to allocate more money to the things that are important to me and avoid wasting money on things that don't bring me value.

Prévoyez des fonds de réserve pour les dépenses importantes

The third budget reset habit I'm implementing is to plan sinking funds for larger upcoming expenses.

A sinking fund is a way to save money for a specific expense that you know is coming up in the future. For example, if you know you'll need a new car in a few years, you can start saving a little bit of money each month in a sinking fund so that you'll have enough money saved when it's time to buy a new car.

I have a few larger expenses coming up in 2024, like a vacation and some home repairs, so I'm going to start saving for those expenses now by setting up sinking funds in my budget.

By planning sinking funds for larger expenses, I'll be able to avoid going into debt when those expenses come up and stay on track with my financial goals.

Suivi des transactions quotidiennes

La quatrième habitude de réinitialisation de budget que je mets en œuvre est de suivre mes transactions quotidiennes.

One of the best ways to stay on top of your budget is to build a daily habit of tracking your transactions. This will help you stay aware of how much money you have left in each category and avoid overspending.

I use the EveryDollar app to track my transactions, and it has been a game-changer for me. The premium version of the app allows me to connect my bank accounts and credit cards so that all of my transactions are automatically imported into the app. Then, all I have to do is categorize each transaction as it comes in, which only takes a few seconds each day.

By tracking my daily transactions, I'm able to stay on top of my budget and make sure that I'm not overspending in any category.

Réévaluer les abonnements

La cinquième habitude de réinitialisation de budget que je mets en œuvre est de réévaluer mes abonnements.

It's easy to accumulate subscriptions over time without realizing it. For example, you may have signed up for a free trial of a streaming service and forgotten to cancel it before it started charging you each month. Or you may have subscribed to a magazine or gym membership that you no longer use.

I plan to go through all of my subscriptions and evaluate whether or not they are still bringing me value. If there are any subscriptions that I no longer use or need, I'll cancel them so that I can save some money each month.

By re-evaluating my subscriptions, I'll be able to free up some extra money in my budget and avoid wasting money on things that don't bring me value.

Cet article vous est offert par Christian Healthcare Ministries. CHM est une option éligible en vertu de la loi nationale sur les soins de santé pour ceux qui veulent vivre leur foi en partageant les factures médicales des autres.

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