How To Make Budgeting Fun – This is one thing that kept me from understanding my financial situation: budgeting seemed like a total drag. Luckily, I found a few tricks to make budgeting less nauseating — and those tricks helped me pay off $50,000 in debt.
Let me make one thing clear: budgeting will not compensate for the systemic change needed to help marginalized people below the poverty line. I’m talking about advocating for decent wages, fair access to credit, and a general dismantling of our discriminatory capitalist system.
How To Make Budgeting Fun
Keeping all of this in mind, budgeting is one way to disentangle ourselves from this system. Even though financial advisers (myself included) repeat the word
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Like human GIFs, the word itself doesn’t exactly scream good times, does it? Turns out there are a few secret tricks that can actually make budgeting easier.
This one discovery completely changed my gambling. Deep within your bank settings, you can actually nickname your bank accounts. With the name you want. Like pets.
Naming my accounts like “Oh Sh*t Savings”, “Adulting Dollaz Only”, or “Isabel’s Bach 2k19”, not only keeps my financial brain organized, but also creates a personal connection to my money, knowing that I baptized each counts as a part of my life. It makes opening my bank account fun.
I grab a Sharpie and clearly label each of my debit and credit cards with its specific use. Seeing “HEY. BILLS ONLY. on my bills only card prevents me from spending my rent money on Prime Day.
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On the other hand, pulling out my “AAAYE, TREAT YO’ SELF” card is a great conversation starter with strangers at a bar.
And a bonus? The deep pleasure I get when my bank’s customer service says things like “Mrs. Anat, are we depositing this check into your, uh…Ratchetry account?” Suddenly the bank is hilarious.
Make room on that Google Calendar for your new favorite date: Bae Day. During this hour, you will take the time to open your bank accounts and distribute your money for everything you need over the next two weeks. Why Ba? Bae actually stands for Before Anything Else – and ideally this appointment will fall on the same day you receive your paycheck, and you will enter this ritual before anything else happens to your money.
Schedule Bae Day time for yourself for at least an hour, once every two weeks. Defend this time as a doctor’s appointment and make sure it happens near the beginning of the week, so you don’t get bogged down in the drag of work and are tempted to skip it.
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Now here’s the real trick to keeping your Bae Day going: Think of the most fun, self-care rituals you never have time for. Do you wish there was room in your life for a weekly charcoal mask or a mask without pants
A dancing parties? Here is your chance. Make absolutely sure that you do this thing before, during, or after your budgeting session.
For example, I have a client who always wears full makeup and puts on her cutest outfit before her Bae Day ritual. I have another client who always puts my Money Motivation playlist on Spotify and gets up to dance after every money transfer. Neither of them has missed a single Bae Day so far.
It’s tricking your brain – even if you don’t like budgeting right away, you’ll start to look forward to that moment as a form of self-care (and money worries).
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One of the most important parts of establishing a new habit is accountability – making sure there’s someone there to help you control your temptations. This is why you need to recruit a Money Mate as soon as possible.
Your Money Mate is the person who will keep you in line for all things finance, and the terms of the relationship are entirely up to you. You can agree to call each other 5 minutes before each Bae Day and make sure you do it right. you can agree to be each other’s emergency text contact when you feel tempted to cash out your entire Amazon shopping cart.
This lucky Money Mate should meet two very important criteria: he should be someone with similar financial goals to yours – maybe you both work full time but cut costs to eliminate student debt – and he should to be someone who is not
A best friend or family member can be too forgiving when you make a mistake, so seek out those arm’s length friends. You want someone close enough that you can be friendly with, but unknown enough that you feel that slight pressure to keep your shit together.
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A debt or savings poster is a very easy way to visually track your financial goals. My partner and I had so much fun coloring our debt posters as we paid off our student loans. You color the poster little by little as you save or pay something – think therapeutic ASMR, but make it personal finance.
You can go the old-fashioned giant thermometer route and fill it up in hundred-dollar increments as you pay off a student loan. Or you can go bespoke, like me: I grabbed the nearest pink billboard and wrote “BYE FELICIA” in giant bubble letters, coloring in a bit with each checkout.
If custom art isn’t your thing, the internet has your answer: pre-made posters you can fill out based on your personal financial goals. You can find a ton of them on Etsy – or just grab free printables from creators like DebtFreeCharts.com. My favorite: his “Game of Loans” poster.
One of the first things customers on a budget often say to me is, “Guess I need to stop buying those fancy salads, huh?”. Budgeting doesn’t mean putting your money on a deprivation diet. A good budget can
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For the fancy salad, or the new shoes, or whatever generally makes you feel money-shamed. So take the shame away for a second and imagine: what would your budget have to look like to make room for a Fancy Salad Fund?
In a zero-based budget—my favorite kind—every dollar of your salary should have a specific job, even if that job is considered “fun.” The important thing is that your money covers your basic needs first, i.e. your recurring bills, debts and living expenses.
If that’s all covered and you have money left over, treat yourself to a Fancy Salad Fund on your next paycheck. You can divide your paycheck by actual dollar amounts (
For every $1,000 paycheck, I donate $30 to Fancy Salads to last me until the next paycheck
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). Keep track of this allocation either on your own via a notepad or Notes app, or with a categorization app like Mvelopes, GoodBudget, or YNAB.
Now here’s where the game comes in: check in with yourself on the next paycheck. How did you do? Did you find yourself sweating halfway through? Could you do better next time? Do you need more money in the fund and are you fancy salads (or
If you apply that kind of buzzer-beating attitude to the rest of your budget – asking yourself what can I stretch, what do I really need, and can I make smarter room elsewhere – you take control of your own budgeting game.
I’m Berna Anat, a financial hype. It’s my made up way of saying that I create things on the internet to teach people about money. I am a first generation Filipino American, media producer and 3B/3C loop model. And a Hufflepuff.
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