The second thing that drastically helped change my budget was focus. 

2. Focus on one thing

Trying to do too many money things at once simply does not work. At all! 

At one point I was trying to pay for my husband’s school, build an emergency fund, save enough money to move, and save money to replace my vehicle. Yikes!! 

This only set me up for a cycle of failure, stress and frustration!!

I couldn’t put aside any money, except what I needed to pay for school. Or I would try to save up for something else, only to have to drain that fund when tuition came due. 

But when I finally accepted the fact I could only focus on one thing…

The guilt and frustration instantly disappeared!!! 

If you are tired of spinning your wheels and are not making any real progress with your budget, STOP! 

Pick one money goal to focus on.

I know, I know, there are so many thing you want to do with your money!! 

However, focusing all your efforts and energy towards this one goal will cause you to have successful results very quickly!! 

Every dollar you can save out of your budget or every extra dollar is now earmarked to go towards this one money goal.

You will see some great results in a very short amount of time when you focus your budget!!

Focusing on one thing will

• Reduce your frustration, stress and guilt!
• Give you traction! 
• Make it possible to reach your money goals quickly!
• Allow you to win with money!
• Increase your motivation!

Some ideas on where to focus your budget are

• Getting rid of all your debt for once and for all!!
• Building savings!! 
• Paying for school with cash!
• Purchasing a new vehicle with cash!
• Taking a nice vacation!

I recommend starting with paying off all your debt first. There is so much freedom that comes when you do!