Small But Effective Ways to Stick to a Budget

Creating a budget is one thing. Sticking to it is another, and it’s no easy task. Being able to successfully do it, however, is a great accomplishment and a victory, and gives you a sense of control over your finances. Sticking to a budget is crucial in reaching your financial goals because every goal requires planning. However, no matter how well you design your budget plan, you sometimes find yourself overspending or over-indulging on certain aspects. Don’t beat yourself up for it! Everybody does it every once in a while. What matters is you get back on track each time.

Sometimes, it is in the smallest of ways that we end up going over our budget. The small, seemingly harmless things we spend on cost us a lot when added up at the end of each month. The good news is it could also be in the smallest of ways that we can stick to our money plan. Here are a few tips to sticking to your budget and saving money:

Avoid grocery-shopping hungry
It’s a given that you need to have to a grocery list every time you go grocery shopping. However, it is always very tempting to grab a couple of unlisted snacks because we end up craving when you see them on the shelves. Try doing your shopping after a meal and see the difference.

Plan your meals
Even with eating, you need direction. Not planning your meals means eating out or ordering takeouts more. Before grocery-shopping, plan your breakfasts, lunches, and dinners. List down all the items you’d need for your planned meals and stick to your list. Make sure to plan healthy meals so that both your wallet and your body are in tiptop shape.

Don’t bring your credit card around with you
Credit cards are good for well-thought-out purchases. However, if used for daily spendings and splurges, the bill compounds very quickly. People tend to spend more when using their credit cards because they don’t feel the financial burden until a few weeks when the billing statement comes. Stick to debit or cash for most of your purchases for easier tracking.

Shop at thrift stores
Sticking to a budget doesn’t mean you don’t get to buy new items for your wardrobe once in a while, but you can do so without breaking the bank. You may find great pieces at thrift stores at one-tenth of the price you’d get at malls.

Try to DIY some of your home supplies.
Cut down on household cleaners by using ingredients you have in the kitchen to make your own. Vinegar and baking soda solution is a good stain remover, for example. Lemons are good spot cleaners, too.

Track everything you buy
This will give you a glimpse of your spending behavior. Do it religiously for two weeks so you’ll get an insight as to the items you spend most on, as well as your unnecessary expenses. This will help you adjust your spending habits for the better.

Be realistic
The closer your budget is to reality, the better you could stick to it. If your budget for the occasional dining out is $100, but end up spending around $200 each month, why not make your budget $150 to give yourself a little elbow room?

Whether it’s paying off all your debts or saving for a home downpayment, every financial goal is attainable with a good action plan at hand. Sticking to a budget is a great step and also a good way to honor all of your hard work

We’re All In This Together!

A message from Payment 1 Financial Corporate Office

The ongoing Covid-19 health crisis is having a dramatic impact on our communities, from the health of our friends and families to our schools and workplaces. 

During these challenging times, Payment 1 Financial is committed to taking action to help you and your family. We’re making every effort to keep our stores open, and our people are following a strict regimen of cleanliness and sanitation. We are standing by, ready to do whatever it takes to help you get through this. 

Payment 1 Financial is limiting our lobbies to two people at a time to help prevent the spread of the virus, but we are also delivering curbside service by appointment. All you have to do is call to schedule your visit—we bring the paperwork to you in your car! Click here to view our locations.

If you find yourself facing financial difficulties due to Covid-19, rest assured that we are here to help. Just contact your local Payment 1 Financial office, and let’s discuss ways that we can assist. 


  • Additional cleaning and sanitization at all locations

  • The health and well-being of our customers, staff, and families is our priority

  • Schedule curbside service by calling ahead for an appointment

For the latest information about Covid-19 and what you can do to protect yourself, visit the Centers for Disease Control online at