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Be The Budget is your one-stop-shop for tips on how to live frugally, save more money, earn more money, get out of debt, and build a promising financial future.

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10 Inspiring Books To Read While Getting Out Of Debt

June 4, 2019 By Zach

10 Inspiring books to read while getting out of debt | Be The Budget

If you're looking for a list of the best books to read while getting out of debt, you have come to the right place. You see, getting out of debt is a war of attrition. I know, because my wife and I did it. And, I’ll be the first to…

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How To Stop Wasting Money On: Food, Clothes, Travel and More!

May 27, 2019 By Zach

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One of the first steps to building wealth, is learning how to stop wasting money. Whether its food, clothes, travel, pets, home expenses, tech, or anything else, you might be surprised how much money is slipping through your fingers each month. The good news is, if you take a hard…

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What Is It Like To Be Debt Free?

May 15, 2019 By Zach

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Have you ever asked yourself the question, "What is it like to be debt free?” This question dominated my thoughts for months while my wife and I were paying off our debt, so I understand where you’re coming from. But now that we are on the other side of it,…

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How To Have A Debt Free Christmas

May 9, 2019 By Zach

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It’s that time of year again; the flowers are blooming, the grass is turning green, and people all over the world are wanting to know how to have a debt free christmas. Wait, what? I realize that Spring is a weird time of year to be talking about the holiday…

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25 Tips For Living On A Tight Budget

April 24, 2019 By Zach

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Living on a tight budget can be a difficult task at times, but with the right attitude, and a few good tips, your frugal lifestyle can also be surprisingly comfortable and enjoyable. Still, I don't think it's a secret that budgeting while times are tight, takes hard work and persistence.…

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Credit Card or Debit Card: Which Should You Avoid?

April 10, 2019 By Zach

Credit Card Or Debit Card Feature Image

If you have more than one piece of plastic in your wallet, I can almost guarantee you have asked yourself the question, “Credit card or debit card?” How did you make the decision? Did you choose a credit card for points and cash back, or did you go with your…

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15 Good Money Habits To Stop Being Broke

April 3, 2019 By Zach

Image that says "15+ Good Money Habits" | Be The Budget

We all have habits when it comes to handling our money. But are they good money habits? In other words, are your financial habits moving you closer to your ultimate financial goals? If not, it’s probably time for you to change them. And today is the best day to start!…

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The 10 Steps Of Budgeting

March 27, 2019 By Zach

10 steps of budgeting

What Is A Monthly Budget, Really? I hate when people refer to their budget as a spending plan. I understand why they call it that, but I think it is wildly inaccurate. A good budget is a SAVING plan, and the key to financial success. It doesn’t matter who you…

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Make Extra Money – Odd Jobs

February 13, 2019 By Zach

Need an extra $200 bucks this month? Odd jobs might be the quickest way to earn it. When you were a kid this meant going door to door, asking neighbors if you could rake leaves or shovel snow. But as an adult, it is a lot easier. Cue social media.…

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Make Extra Money – Series Intro

February 6, 2019 By Zach

Sometimes, A Little Extra Money Can Make Life A Lot Easier Let’s face it. Sometimes you just need a little extra cash in your pocket. This statement was never more meaningful than when Katie and I were first dating. Bowling? Dinner? Filling up my gas tank before AND after a…

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Budgeting Tips – Fun Money

January 26, 2019 By Zach

Budgeting tip - Fun money is important for budgeting success.

What is fun money? I think recess is one of the most brilliant concepts ever invented. Teachers know that giving kids a small, limited amount of time to run around, scream and play, greatly increases their capacity to learn throughout the school day. In budgeting, we need a little dose…

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Cultivate a Budgeting Mindset In 3 Steps

January 16, 2019 By Zach

Step 1: Your Compelling Reasons Why If you were to ask 2 people why they want to start budgeting, and their answers were as follows: Person 1: I want to save more money. Person 2: I’m tired of living paycheck to paycheck, and I know that if I don’t stick…

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The Mythical Budget

January 12, 2019 By Zach

If you’re like me, you’ve uttered the phrase “it’s not in the budget” a time or two in your life. But, where is this all-knowing budget you speak of? Have you actually taken the time to create one? Technically, is anything “in the budget,” if the budget doesn’t exist? I…

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Zach and Katie, Owners of Be The Budget, and on a mission to help people with their person finances | Be The Budget

We're Katie and Zach, and after paying off $34,101 of debt in 6 months, we now live a completely debt free lifestyle. We believe in God, budgeting, saving, frugality, investing, and working hard to earn a better income. If that sounds appealing, we would love for you to join the journey by subscribing. Welcome to Be The Budget!