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Just like everyone else, I've had my fair share of budgeting mistakes.

I'm not going to give you any “textbook” budgeting tips that every other financial advisor gives you. Partially because I'm the furthest thing from a financial advisor that you'll ever know or speak to.

Over the past few years, my husband and I have struggled with saving money. We've tried, but one thing after another just keeps knocking us down on our asses.

(Mostly my fault, but don't tell him that. I like to blame it on him sometimes! LOL)

Since we're trying to buy a house within the next year, we're biting the bullet and re-doing our finances so we can kick-start saving money a lot quicker. We can't afford any more bad budgeting mistakes if we want to make home-ownership happen.

A couple weeks ago, when I was going over our finances (again, for the 20th time), I was horribly amazed at how much we've been spending on EVERYTHING.

I'm talking, going out to eat, subscriptions, gas, utilities, and so on. You don't realize how much you're spending until you have no money to spend. Oops! But that's why I decided to write this post and hopefully, it will help out others who are in the same situation we're in right now.

PIN - What I Learned from My Own Budgeting Mistakes

This post contains affiliate links, meaning, at no additional cost to you, if you click through and make a purchase, I may receive a commission.

What I Learned from My Own Budgeting Mistakes:

Write out a monthly budget.

Now, this is something I've struggled with for the past 10 years. I print out the sheets, write it all in, and bam, they get moved to the bottom of my “must do every month” pile, that gets moved to the “Garbage” file eventually.

Make sure you write EVERYTHING down.

That means your income, your spouse's, child support if you receive it, etc. You also have to write down every single bill, every single expense, anticipated expenses, etc. DO NOT LEAVE A THING OUT! Do not leave out your eating out expenses, red box rentals, etc. Those all factor into what money you have to spend, don't have to spend and where you will need to cut expenses that are not needed.

It's extremely important to be 100% honest with your budget and yourself. If you can't be honest with your budget, you won't make your savings goals, ever!

Start saving and get rid of the budgeting mistakes now. The longer you wait, the harder it will be. I wish I would have started budgeting and saving back when I was 16-18yrs old. My grandmother always tried to get me to save, and my parents always said to, but I watched both of my parents living above our means all of the time. My mom would pay a credit card with another credit card or max out cards just to get whatever she wanted.

Work on a savings account

Savings is important. You need to build up emergency savings FIRST. Figure out what your 6 to 12 months necessities are (Housing, Utilities, Gas, Food, Insurances, other monthly bills) from your monthly budget and make sure you have at LEAST that much put into savings. DO NOT TOUCH IT except for in an emergency. If anything happens and you lose your job, get injured on the job, etc you'll have PLENTY of money to help you until you find another job. Now, that doesn't mean that “eating out” is an emergency. It's not. Also, don't use your savings to pay off your credit cards.


I love Dave Ramsey! The Total Money Makeover has helped me succeed… when I actually follow his tips. Please follow the steps if you get the book and/or workbook. My problem is I start seeing success then I stop following the steps until I need to start all over from scratch again. The snowball savings program is a great way to pay down debt so you can build up your savings. It's not an overnight program at all, it's something that can take some people years to finish or even get to a comfortable spot that they don't have to pay down so aggressively. It all depends on how much debt you have and what your income is.

Calling utility companies get bills lowered.

I suggest not going onto a budget plan for any utility unless you already own your home. If you plan on moving within the next couple of years, a budget can hurt your savings. Quite often your budget is much lower than what is owed so the difference goes into a balance that you have to pay off either every year or before you get your utility transferred to your new residence.

Calling utility companies get bills lowered Budgeting Money

Instead of getting on a budget, talk to your utility companies and say “Look, I've noticed that my bill is higher than last year by $xxx and we've actually used less than 1/2 of the energy we did last year. Why? What can we do to get it lowered?” A lot of companies will work with you. I actually just called our cable/internet provider and talked with someone and said “Hey, look, my bill is $100 for JUST 50 Mbps (megabytes per second) and I saw that there was a new plan out for $60 for 100 Mbps. How can I get on that?” The rep told me that I could do it without any questions and he took care of it for me. So now I'm sitting here typing this to you on my extremely fast internet 😀

Figure out a reasonable grocery & household products budget.

If you can't stick to a budget for these 2 things, you're going to struggle every month putting any money into savings. You have to eat and you have to provide for the house. It's just the fact of life that as adults, we have to come to terms with.

Couponing is a great way to save on groceries. Just don't get into the habit of spending what you save when couponing. It won't save you a single thing if you're spending what you've saved. Put what you have saved into a savings jar or account. You'll see your savings grow pretty quick that way.

Shopping at stores like ALDI USADollar Tree are great alternatives to big box stores. I'm an ALDI USA girl through and through for our groceries. If I can't get it there, I do end up going over to Walmart, Target, or Dollar Tree. Target is my favorite store for items like cat food, litter, laundry soap, and dishwasher tabs. Dollar Tree is where I get a lot of my cleaning supplies such as glass cleaner, all-purpose cleaners, scrubbers, etc. Dollar Tree is also great for organizing.

Some things we buy in bulk, toilet paper, paper towels, tissues, etc because it's more cost effective for us, as a family of four with 2 teen sons who seem to think that a 1/2 of a roll of toilet paper is how we wipe butts. Most of the time we get our gas at Sam's Club and do our bulk shopping at the same time, which I'll talk about in a few seconds. Often when you buy items in bulk it's a lot cheaper. You're paying an average 10-25% less. What you can do, is what you save on your bulk items is put it into a savings account.

I love using apps like Shopkick, Checkout51, Cartwheel (which is now in the Target app), & Acorns.

Acorns is a financial service that helps you invest your money. They enable you to start early, invest often, and feel secure about your financial future.

Work on meal planning.

This goes hand in hand with figuring out a reasonable grocery budget. When you're writing down your grocery list, write down what you're going to use for that month's meals. If you work from home, make sure you factor in your breakfast and lunches as well as your family dinners. Don't forget snacks also. We always have fruit in our home. I can't keep it in the home for 2-3 days before it's all gone as my youngest is my fruit-o-holic!

We've started this in the past, but honestly, we quite suck at it. So it's back to the drawing board. I decided to not follow conventional meal planning methods and just do my own thing. It works out much better for us.

We have a binder that we've been keeping “Make Again” recipes. If it's in that binder, EVERYONE in our home has agreed it's a keeper. Having a “Make it Again” binder is a great way to keep awesome recipes that you find on Pinterest. Sure having a Pinterest account and board is great, but when you pin as much as most people do, some of your favorites get lost, or what happens if that website no longer is active? You'll lose your recipe. Print it out after saving it to your computer and you'll have it forever!

Figure out what is your most expensive meat, eliminate it. (It's usually high end cut red meats)

We have 2-3 meat markets that you can buy boneless chicken breasts for sometimes as low as $0.99/lb. up to approximately $1.49/lb. The catch? You often have to buy 40 lbs of the chicken breast in a box. If you're a chicken lover, this is a great thing. We're in the process of transitioning to chicken only in our house.

Grind, cube, pre-cook, etc your meats and separate them to make them ready for meals. If you're a really good meal prep, look into Pinterest for awesome 45 days of meals. Great slow cooker meals and more. (If you're anything like me, you worship your slow cooker)

Get the kids in on planning. Have them help you prep the food, make the recipes, and more. Once kids get into the habit of doing these things, when they eventually move out and on their own they will be naturals and won't have financial problems.

Stopping the eating out.

Or at least drop it down to once a month. (I say this as we're eating Chinese Take-Out, don't judge.)

This is going to save on average $50-150 depending on the size of your family, where you go, and how much you spend at the restaurants. This past month we spent probably $200 while eating out because we've been on the run with school supplies, my mom's doctor appointments for cancer, the boys' doctor appointments and honestly, just plain being lazy.

Anything that you can buy in a restaurant, you can make at home. It's cheaper and it's healthier also.

Plan ahead and you'll enjoy it much more too. I always enjoy my own food more than eating out. Buy the main ingredients for $10-20, compared to $50-100+ at a restaurant, to feed your entire family and still have leftovers for at least the next day.

Get your credit report

I can't stress this enough, knowing what's on your credit, your credit score and what has been on your credit report is a MAJOR thing. You need to make sure you know what your credit is looking like. If you have credit cards that have a high balance, you need to pay those down. If you have cards that don't have a very high balance, you need to pay those down also. My suggestion, pay $5-10 more than the minimum payment on the lowest card if you can't pay the full balance off right away. The quicker you can get those paid down, the better your credit will be and if you have to, you'll have the available credit in case of an emergency if you don't have that emergency fund built up to a minimum yet.

My husband and I use Credit Sesame for tracking our credit. It's $15 a month per person and 100% worth it. You get all 3 credit reports monthly, can keep track of your score going up and down, lending potential when you're in the market for housing. Credit Sesame provides credit scores for absolutely free, no credit card required, however, if you want to do more in-depth tracking, you do need to sign up for the monthly service.


You can also get your report for FREE once a year in most states directly from the 4 credit bureaus. Just go directly to their websites and request your report. Experian, Equifax, TransUnion, and Innovis are the 4 credit bureaus in the United States. If you're outside of the US check out your credit bureaus in your country for your score.

Cancel unused subscriptions.

I never realized the subscriptions that we paid for but never or rarely used. We've in the past had upwards of 15 subscriptions. Ranging from $5 a month to $20. Do the math, that is anywhere from $75 to  $300 that we were paying out of pocket for maybe 3-4 of them we were actually using.

Last year I cut out more than half of them and last month I cut another 3-4 out. There are a few subs we use on a regular basis that we will not get rid of (ie Netflix, Evernote, subs that I use for my blog, etc)

Craft Necessities.

Okay, so I'm a crafty person. I have like 15 projects started, none finished, yay me, NOT. My biggest problem is that I go to Michael's, Pat Catan's, JoAnns, etc and rake in the deals. I've spent probably close to $350 over the past 3 months there (my entire blog income over the past couple months) just to get started on a few projects, wedding shower, and now a baby shower.

Just because I'm a crafty person doesn't mean that I don't love saving while I'm getting my craft supplies. I make sure I shop around for the best deals on the best quality of supplies I'm using. I refuse to give my customers a crappy product just because I wanted to skimp out on quality.

Figure out a plan ahead of time if you can. If you sell as orders come in, it might be difficult, but try to have as much stock as you can. When you purchase in bulk from places you often tend to get the best deals also. Find sales at your local craft stores, if you're also a Teacher, you can get 10-15% off at places like Michael's, Pat Catan's and Joann Fabrics. DO NOT skip the clearance aisles or bins. You can seriously stock up on items that have been “damaged” in shipments or have been returned; often up to 75% off.

Family Activities and Kids Sports. 

Find things around your town that are free or darn near free. Every Sunday in the summer our local Metro Park has a movie night at the beach. Totally Free! You can go on walks, bike rides, treasure hunts or even look into geocaching.

If you like to get out and do things like go-karting, bumper boats, amusement parks, etc.  Check out Groupon. They have awesome deals on family activities all year around.

For rainy or snowy days, there are tons of projects you can do in the house that use things around the home that you already have. You'd be surprised what you can do with a few things that are laying around the house. 

When it comes to sports equipment, don't go the cheap route on your kid's safety, saving a couple bucks here or there won't keep your kids safe. Sometimes you can find great deals on supplies at the end of the season (up to 80% off at times) when stores are trying to get rid of product for the room for next season's sports. So if you know your kids are going to play summer sports, the best time to grab up awesome deals is in the fall/winter time. The only items I don't suggest buying too far in advance are shoes/cleats and other protective gear. Many of them are sized a certain way to provide the best protection so they need to be fitted.

Same with Band/Orchestra parents, check with the rental companies that the schools go through and see if maybe they have a “Try it before you buy it”. My son started playing the viola last year in 5th grade for orchestra. The rental companies had payment plans, however, it was going to cost us around $1,000 plus for a viola. Yes, it came with a warranty, strings, etc. However, I talked with my son's teachers and found out that on average at his age they only go through a few sets of strings at the most a year. I found the SAME exact viola on Amazon for $140. It came with a case, strings, bow, rosin, etc. I purchased 3-4 extra sets of strings just in case and still paid under $200 for everything.

Vehicle Maintenance.

We don't put off too many things when it comes to our vehicles. However, right now I need a bearing, tires, alignment and a couple other minor things. So those will need to get taken care of before first snowfall here in Ohio. If you take care of your budgeting and factor in possible vehicle expenses like flat tires, broken tie-rods, or transmission issues; you should be fine. However, not budgeting for these emergency situations, can end up leaving you stranded.

Do NOT put off major vehicle expenses just in hopes of saving a few bucks. You'll end up spending a lot more in the long run and can risk your family's safety. A lot of times you'll find deals on “Winter Maintenance” or “Winter Ready Your Vehicle”.Truck--Budgeting-Tips-From-Someone-Who-Is-Horrible-With-Money

There is an app called GasBuddy to get the best and cheapest priced gas with good quality, we use it ALL of the time! You also earn points towards gift cards when you use it and report gas prices, even if it's letting others know that the prices are accurate.

Sometimes if you belong to wholesale clubs you get better gas prices than local gas stations. Our local Sam's Club or BJ's averages 20 cents cheaper than local stations. They are a bit farther from me, however, I typically fill up when I'm out that way anyway so I don't have to make a “wasted” trip out there. Good quality gas gets you better gas mileage, which means you don't have to fill up as often and it's better on your vehicle. Also if you keep the same type of gas in your vehicle, you'll get a better gas mileage per fill up. My husband and I have noticed that when we switch from our Sam's Club gas to a different station, our mileage drops 2-3 miles per gallon.

I hope you enjoyed my tips.

Most of the tips that I've listed are probably “no-brainers” others, probably not.

Either way, you have the tips, so put them to use! Anyone, any family, can use any and all of these tips.

Tell me below how you plan on saving money going into the new year?!

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I'm a North-Central Ohio Lifestyle & Parenting Influencer located just south of Norwalk in a beautiful tiny rural town called New London. Married to the love of my life, raising 2 teen boys, and 2 chubby cats. I live for coffee, swear words, family & technology.

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