I'm tired of this! How to beat budget burnout
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- Опубліковано 15 вер 2024
- How do you fight budget burnout?
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Sometimes it’s OK to push the budget. My parents both died before retirement. All the sacrifice for maybe someday that never came. Take the vacation occasionally. Buy the splurge within reason. You are not guaranteed tomorrow.
I know quite a few people that have been tight to save for retirement to do things etc and they don’t make retirement x
I spend money to buy something that I would enjoy maybe a book from the Dave Ramsey list or a new product on Amazon Smile that I'd like...or would gift to a homeless person ($10 visa card because a lot of places require at least a $5 purchase)
Maybe they saved for you? As an older lady, if I don’t make it to some fantastical, mythical “retirement” in my head, knowing my kids lives will be better for all the sacrifice is just as, if not more, comforting. So, maybe not be so, so sad about this aspect of passing earlier than “expected,” ya know??
@@CAGChannel1 I would never have wanted them to save for me. The money was set aside for retirement so I never thought about it being for anything but that.
@@teresanorris4769 not save but make your or grandkids’ lives better. Anyway, that thought works for me even if I perish “younger.” Just saying, don’t underestimate that comforting thought for older people, that’s all. For me anyway, but, from the conversations I’ve had with same age and even older peers, I don’t think my thoughts are rare.
You gave a tip several years ago that I live by. Buy food you actually like even if it’s a little pricey. I have no food waste and that has prevented us from going to restaurants. Thank you
I take myself on a Friday night date to the Dollar Tree every once in a while. I allow myself one treat that's just a fun / frivolous item. I love doing this and really look forward to it. Great video.
I like to bring that exact change when I go into treat myself to that item.
Love that!
Lydia, you have been a lifeline for me for years!! Thank you for everything you do for us!! 💖💖💖
Wow, thank you!
I am on social security and I get a small amount!! Yes, every month there is a budget spreadsheet!! It helps me to make logical decisions on what I purchase!!
Smart!
Exactly! Big or small income, we ALL need a budget ❤️
“LOL. There’s nothing sweet about me.” Lydia coming in strong with those hilarious one-liners! Thank you for making me laugh this morning!
Any time!
We planned to have a cheap summer with our toddler. We go on long family walks to forest preserves in our area on weekends. We go to the library twice a month. I make it a priority to go to the park or splash pad every day that the weather permits. These are all the free things we do. I also decided to purchase a zoo membership for the year for $110. That includes parking and our entrance fee plus 2 additional tickets and we received an additional 10 guest passes and 6 attraction tickets. We live 15 minutes away from the zoo. So far we've used the membership on 11 entrances and that makes each ticket thus far for $10 a piece. It's these little things that make debt pay off manageable.
I’ve worked so hard this summer. I’m teaching summer slide and tutoring when I can. It’s hard but sitting home on my duff and not getting ahead of the game is going to be a lot harder. $1700 left on my truck. I will get it done!
Amazing!!!!
"Practice makes progress"
I don't remember who said that ⬆️, but what you said reminded me of it.
Hey lady, Thanks for posting this today. We have been in a major slump lately trying to get back into the groove of the budget. It has been a nightmare due to the extra going out for gas food, electric, so on. Everyone is struggling where we’re at, and this is such an encouragement to hear today. You’re looking great by the way! Keep up the good work!
Thank you 😊
Lydia, I don't think there is nothing sweet about you. I find your videos very encouraging and am very thankful that you do what you do. Have a wonderful day!
Thank you so much!
@@TheRealLydiaSenn had to read that double negative a couple of times :)
I’ve watched you for years and every time I see a new video form you - my day just gets better. 🙌🏻
You’re so sweet
OMG, Ms. Senn, My Lockscreen is Pinhead from the movie Hellraiser. How appropriate is that!
Great video! I am 9 months away from being completely debt free, including the house. I love budgeting - YNAB user here - but even I get a little tired of it sometimes lol. I am so close to reaching 2 of my very large goals that it's both exciting and anxiety producing at the same time. My budget has always kept me on track and focussed. Again, great video 🥰
I don't do sinking funds either. I use the same type system as you. Through money in savings. Sinking funds are so complicated for me and to much to keep up with. We are working of and on to pay off our mortgage early. We have months we are all in and months we take breaks. BUDGET BURNOUT is so real. Grace is always a great thing. Thanks for the reminders.
Thanks for sharing!!
Hi Lydia, I always appreciate your wisdom and kindness towards people when you are giving money advice. I’m always happy to have watched your videos.
Thank you
I just read a book that referenced you in it- the no spending challenge… I seen your name and was like woohoo 🥳.
by Jen? I love her. Do you listen to the Frugal Friends Podcast?
@@TheRealLydiaSenn yes by Jen. 😀 I’ve never heard this podcast, but thank you so much, I’ll definitely check it out! I look forward to it😀
love, love, love everything you shared in this video. love the google calendar tips, I don't use google calendar at all, but am considering based on your recommendation.
Great video.
Thank you so much for all your videos and the time you give to this wonderful community that you built. You are such a Blessing ❣️
Thank you so much!
"I don't have enough money to budget" -- that's exactly when i started budgeting - because my bank account kept going so close to zero that i had to know exactly what was coming out when so i didn't go into overdraft. That was in 2009 and i've done a budget every month since except for 3 or 4 months when i just didn't feel like it. Burnout is real, but is just temporary. Don't let it make you give up permanently just because you're not in the mood right now.
Definetly budget friends!
I’m one of those “not let my money touch”. I tried cash sinking funds then something shiny would show up. Saying no to hubs and kiddos is painful for me. Kids are learning to earn though. I struggle with squirrel-ling away. I pay all our bills yet it is close to zero by next paycheck. I am very blessed all our needs are met. How do others save….
Definitely have budget burnout. Thought I’d be further along paying down debt but we had 3 big unexpected expenses come up that gobbled up all the extra money we saved to pay off the credit card (had to pay $1300 in land taxes, $2600 for termite treatment, & $600 for plumbing fixes. We also have to repair our cars interior & our washing machine broke so god only knows what’s that going to be). We paused paying down debt this month. Just paid minimum payments and took $150 out of savings for “date nights” at home (rented movies that were in the theaters, bought new video games or board games to play together, signed up with a new subscription service to binge watch tv together etc). It was a good decision. Real mood boost. In September we’ll go back to trying to pay down the credit card debt 👍
You're doing GREAT! Just having awareness of where your money is going and having a strategy to cope with it without going into to more debt are HUGE wins! Keep going!!
Grace, give yourself grace. I was smacked in the face with this lesson by a birth diagnosis of chromosome triplications for my girls. Unexpected expenses ( first OHS at two months, etc). expenses doesn’t even begin to describe it. One step at a time, one day at a time. Life has a way of teaching us this lesson over and over and over……….
Thankyou I hit my first dip in energy for budgeting today.
It happens to all of us.
And thank you for this, I needed to hear it today 😊
Thanks for talking about frugal fatigue, great video
You bet!
We take trips while saving our money. We do camp and that’s a cheaper way to travel. There are lots of things to do for free or little money. Our date nights are a walk and at the time when hot fudge sundaes we’re 1.00 at McDonald’s that was a win win for us.
Girl! Yes, this title is everything 💕👸🏿👸🏻
It really is!
Love your videos Lydia. They are super helpful.
Thank you
I need some inspiration about how to do life while trying to do the goal. (Example- our broken deck that is being quoted at 15k as we are behind on retirement and kids’ college.) Like, it just feels like one. Thing. After. Another.
It feels like one thing after another because life is one thing after another. There will always be something that feels super urgent.
Omgoodness! We called those Cootie catchers!! Such memories
How fun!
I paid off my student loans as a birthday present to myself. It gave me the reassurance that I could pay the rest of my debt ASAP. By the way, Tom Cruise scares me too!
That’s incredible
So many Tom Cruise questions!! 😂
Gems have been dropped. Thank you!
Ms. Senn, You can use me as an example. In 2008 all I had was $900 a month in alimony, and yes, budgeting was an absolute must. I could not rent, because my former husband spent us into bankruptcy and now, as a divorcee, my credit score was in the toilet. I was on a mattress on the floor in my daughter's home, the truck that I was going to live in was totaled in an accident. Ya, I had two waitress jobs but with the downturn of the oil industry, CO, I was laid off. It was so bad!
I started taking pictures and videos as I shop, which makes me feel like somebody else is watching, so I make better choices.!
It’s called body doubling and there is some science behind it.
Yes helpful, thanks Lydia 👍 Better with practice 😊 "Who do you think you are?" is a voice that I hear, but I don't answer back 😂
I don't answer back! I love that.
The folding things are called fortune tellers normally and there is a bunch of free printables you can find online. We did them once for valentines when my son was little and he wanted to fold them all and he realized it was harder then he thought. It takes a lot to learn those lessons.
We got a free printable from Red Ted Art. She has so many fun free things.
Thanks Lydia! 🌹Needed to hear this!
Glad it was helpful!
This is so helpful, thank you! By the way, that is your color :-) that you are wearing. Very nice
Oh thank you!
Live your advice! Keep it coming!
Thank you
It sounds like we manage our savings the same way you do. I think it's simple too.
Keep it simple, keep is stress free.
We have not been on holiday this year but have spent on eating out, activities etc which the kids have enjoyed. Expensive, bit much cheaper than a holiday away x
I totally agree!
we called the folding things cootie catchers in my school.
Lydia I love your humor and content!! My lifeline is Christ! 😇 Prayer is the best remedy! Pray the good Lord to grant wisdom/discernment otherwise your carelessly abusing the money that Christ has blessed you with. We need Him more than ever! God bless you and keep you Lydia! What is your favorite bible verse?
Wanted to clarify that I didn't mean you spend carelessly I was speaking in general! 🤗😉
You will keep him in perfect peace,
Whose mind is stayed on You,
Because he trusts in You. Isaiah 26:3
Sometimes have to sacrifice lunch (not eating) at least 2x/month to stretch dollar a bit further and see the debt go down a bit faster. Every penny counts.
I so needed this today!
I hope it helps
I'm going to miss you doing these. I understand going back to school is so important though. I was happy when I logged on tonight and saw you had posted a video. Treat for me is a cup of DD coffee. Durig school year, I do it once a week on Fridays. During the summer, I may do it 4 times. 10 month position so I don't get paid in th summer
4e56
I love Dunkin’s coffee 🥰
Your wonderful
Hey we ARE budget friends! ❤😊 I hate looking back to see the stupid stuff I have spent things on 😢
🥰
I have found that the less money I make, the MORE I need to budget. Every single cent needs a home in the budget if you are low income.
Exactly
😂😍 uncrustable in the air fryer 😝🤩 literally life changing 😋
Yesss
support trumps willpower every time. find a new vlogger, friend, library book
I agree to being afraid of Tom Cruise!!!❤️😂❤️I won’t watch any movies he’s in at Theaters. Only on tv
Why is he so terrifying???
@@TheRealLydiaSenn I just find him odd and disingenuous. He gives me creepy vibes and I get the heeby jeebies when I see him.
Smile doesn’t reach his eyes.
How much do you budget for food per week?
Are you in school?
I start Monday
@@TheRealLydiaSenn you go girl
@@TheRealLydiaSenn best wishes!
Thank you so much for the good ideas. My husband gets paid once a month. We moved about 2 years ago and took a pay cut to move somewhere with a lower cost of living. From Las Vegas to South Carolina. It’s been tricky to figure out our new normal as far as expenses. I have been doing sinking funds for several years but now I think I’m over complicating it and it’s taking me longer to figure out what I’m actually spending cause I have to keep moving money from one sinking fund to another. I’m excited for the tail end of the month when my husband gets paid, I hurry up and pay most everything and put money in savings and pay debt down, but then man does the month feel sooooo looooong! Hahaha def need to add more fun money here and there. We have 5 kids 13 and under. It’s a balancing act or more like a juggling act! 🤹♀️