New Year BUDGETS

Amish view Comments: 11

featurepics-B39D2554-FCBB-4513-85B0-1535233283BBFinancial Budgets in 2015

Now I wonder why most of us cringe when we hear the word budget. I know that I do! It just doesn’t sound fun. It sounds like the opposite of fun. The Amish folks I’ve met are pretty frugal with their money–sort of like this photo to the right. They don’t have a lot of different clothes or a super fancy buggy. They live plainly, and that’s an example I’d like to follow this year.

I’m resolved to be very budget conscious in 2015. My pastor said something that made a lot of sense to me. He said that often we get this “itch” and we think that if we buy something the “itch” will go away. But it doesn’t. So then we try to buy something else. I’ve been guilty of that before!

Budgets mean different things for different people. I can remember someone telling me and my husband that we didn’t make enough money to have a budget. Ha ha ha. What he meant was that there was no room for planning–we were in full emergency mode! I remember those days, none too fondly.

this year I have started out by looking at automatic deductions from my account and stopping them! For example

  1. Amazon prime
  2. 3G service to my iPad
  3. Audible

Don’t get me wrong. Those are all good things. But do I need them? No, not really. I don’t purchase enough from Amazon to make back my money in free deliveries (mostly I purchase ebooks). I don’t need 3G on my iPad because my phone will do whatever needs to be done. And while I enjoy audible books, I can rent them from my library.

So what about you? Do you have any good budget tips for 2015?

Blessings,

V

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11 thoughts on “New Year BUDGETS

  1. Judy Smith

    This worked for us. First write check for tithe, then write check (transfer) to savings, live on less than what is left. There were times there was no money for gas to visit a friend; we stayed home. Little by little worked to pay off all bills. We are now retired on very limited income but are debt free including our home and still follow the same budget rules. Larry Burkett was an great encouragement; Dave Ramsey now does the same work. Both used Biblical principles which work.
    Please know we had much pleasure along the way; this wasn’t a nose-to-the-grindstone live with all fun cut out. We had no tv (so no cable fees) so spent time with friends, music jams, reading and hobbies.

    Reply
    1. vannettachapman Post author

      I remember listening to Larry Burkett for years and years. A very wise voice. Thanks for sharing!

      Reply
    1. vannettachapman Post author

      Angelique, that’s a wonderful idea. Many times we have NO IDEA where our money is going. Blessings to you as you continue in this study.

      Reply
  2. Fiona

    I don’t really make resolutions, but one of my aims for this year is to keep non-essential spends to Christmas/birthdays/cashback etc. I just feel that things mean so much more when they are gifts for a special occasion. For example, I put all my birthday money together last year and bought a ruby bracelet, ear-rings and necklace. I could have bought them with my wages, but they just fee so much meaningful as they were bought with gift money from my mother and mother-in law.

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  3. Patricia

    I think the best tip is to avoid “instant gratification”, which usually leads to credit card spending. Given time, to think about it, many people would realize they don’t want, or even need, many things.

    Reply
    1. vannettachapman Post author

      Patricia, I think you have a good point – though often we can find that same satisfaction in other things–like a walk with a loved one, or hot tea by the fire. 🙂

      Reply
  4. Shirley Chapel

    Buying impulsively will mean disaster to your budget. That’s a no no. Like Judy said first write a check for your tithe. I realize this won’t be popular but I read constantly so instead of buying books a lot of times I down load what I want from the digital library. I do still buy and lately I’ve been going crazy with the 99¢ specials on Amazon. 99¢ can add up fast when it’s done impulsively over a time frame.
    We are prime members on Amazon. This year the fee has gone up to 99 dollars a year. I down load a lot of free prime music so it makes it up for the cost of the membership fee. However we don’t order near as much from Amazon as we once did. This is certainly worth discussing with my husband. Might be time to drop it.
    I drive a car that is 15 years old. It’s paid for and runs fine. I keep up with the maintenance on it. When it dies out I will not replace it. We both are retired now so we will cut back to one vehicle. We make payments on that because my husband needed a van where he could have installed a lift for his scooter. You do what you have to. Other things can go.
    Thanks for the post.
    Shirley

    Reply
    1. vannettachapman Post author

      I think the PRIME is a good idea, Shirley. I was looking for ways to tighten up my budget, and that seemed like one I could live without. I will miss the PRIME music. 🙂 Blessings.

      Reply
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