Can you believe it’s September 30th already! Where has this year gone?! It’s hard to believe there are only three months left to 2019! Some days it seems like we just moved but in reality that happened six months ago! That may have something to do with the fact that most walls are still bare, but I’m a minimalist on a budget, so… If you’re wondering where the month went and aren’t quite prepared for October I’ve got you covered! Here are a few simple tips to end the month strong and get ready for next month.
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Update Monthly Spending Transactions to End the Month Strong
Make sure you update your spending transactions for the month and make any necessary adjustments to the budget. Come in under budget?! Congratulations! Make an extra snowflake payment to end the month strong and save yourself some interest next month. Already paid off your consumer debt? Send that money to savings or make an extra principal payment on the mortgage! Reflect back on the goals you set after reading Three Questions to Ask Yourself Each Month to Get Those Goals Accomplished.
Come in a little over budget? Don’t beat yourself up too much about it. If you came in under budget in any other categories reallocate those funds to the category that got out of control. If it looks like you come in under or over in particular categories on a monthly basis make an adjustment for next month.
Scan Those Receipts for Cash Back!
Did you know you can scan receipts for popular cashback apps that are up to two weeks old?! Dig those receipts out of your purse and start scanning! Just this week on Ibotta alone there are any item offers on dry cat food, training pants (this one is major – Huggies has $1 off if you are brand loyal in this category), yogurt, vine-ripe tomatoes, laundry detergent, waffles, diapers, probiotic beverages, yogurt, salsa, almond butter, body wash… I could keep going. If you don’t currently use Ibotta download the app or get on their site and use my referral code itxrhcs to get started; it’s free to you and I can earn $5. You can earn up to $50 for referrals once you sign up!
After you scan those receipts in Ibotta open the Fetch Rewards app and scan all your grocery receipts there too! Use my referral code 8H9Y1 to get started and we’ll both get 2,000 points when you scan your first receipt! Redeem points for gift cards to major retailers such as Amazon or make room for date night at restaurants such as Olive Garden or The Cheesecake Factory!
Set Savings on Auto-Pilot Wherever Possible to End the Month Strong
If you have monthly savings goals, sinking funds you contribute to, or retirement accounts outside of work make sure you contributed the budgeted amount this month and if you haven’t already set them up on auto-transfers so the money goes where it needs to automatically every month.
We recently split our monthly savings goal into two smaller deposits corresponding with payday rather than one large deposit. Since they were smaller I upped the overall amount a little. Little changes like this can help you end the month strong every month and meet your savings goals easier. Pay yourself first and you won’t be tempted to spend money earmarked for savings or retirement!
Get Next Month’s Budget Ready so You can Start Strong!
Once you’ve tied up all the loose ends to end this month strong it’s time to make sure you’re ready for next month! Set yourself up for success by completing that budget! You just made things easier for next month by automating your savings and sinking funds contributions – make sure the budget reflects this update.
Consistency is key here; make sure to update your budget throughout the month every month and the 30th or 31st won’t be so stressful. Check out my previous article on 3 Month End Actions to Take for Continued Budgeting Success for more tips on how to end the month strong.
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