Budget like a Boss.

Wondering how all of your money goes so fast? Or where it goes? I’m going to give you the Tea and Starting out Tips to get out of living paycheck to paycheck and to start keeping track of your finances. Keep reading and get the Tea while it’s hot! 

Set Goals

To stay motivated in any aspect, you have to have your “why”. Set your Financial Goal to turn to for when temptation strikes. Maybe you want to be debt free, want to buy a house, start traveling or have financial freedom. No matter what it is, make sure it’s important enough to keep you on the straight and narrow path! 

Keep all of your bills around the same due date. 

A lot of companies will allow you to adjust the due date of your bill to a more preferred date, When you do this you should adjust your due dates evenly to your pay periods. This Routine will make it easier for you to keep track of when bills are due and simplify budgeting your paychecks. 


The 50/30/20 rule is a great way to start budgeting. The old saying is 50% Needs, 30% Wants and 20% savings. But I go by 30% Savings and 20% wants. When you’re starting out, you want to make sure you build up a good savings first, and if you want more money for those “self care” days, it’ll motivate you to get crafty and get your hustle on. (keep reading for the Tea on getting a side hustle!) 


Autopay is a taboo word for most people, but really it makes paying your bills much more simplified. Most of the time when the money is withdrawn you don’t even miss it because it’s taken before you could spend it. (It helps when you adjust your due dates) This also helps prevent any late payments and looks great on credit reports and payment histoires. 

Break your money down. 

Budget backwards and break your money down if your goal is to save 5000 in 5 months (for example) that means you need to save $1000 in one month, and $250 every week or $33 a day. Not everyone has the means to save $1000 a month so adjust your goal to something more feasible to your income. If you ‘d like to start earning a little extra monthly to get to the larger goals then keep reading!

Refrain from getting into debt. 

Having some debt is inevitable, student loans, a car note, or a credit card to keep your score revolving, but taking on too much debt is dangerous. Stay away from getting too many credit cards, making unnecessary payment arrangements, or financing. Cash is still king and it keeps you out of debt. 

Start an Emergency Savings. 

A lot of people aren’t prepared for the unexpected curve balls that life throws at us. To be safe, always have $1000 minimum in emergency savings and eventually work your way up to 6 months’ worth of bills. This keeps you prepared for things like car accidents / emergency repairs, unexpected job loss, or medical emergencies. Please keep in mind, your savings is strictly for emergencies and not because you’re a little short on change for coffee at starbucks. Do not get in the habit of taking “here and there” from your savings, that will only open doors for bad habits, your savings has to be taken seriously. 

Take on a Side Hustle. 

There are a lot of ways to make some extra cash these days, and side hustles are a great way to make extra cash. Sites like Upwork.com and fiverr.com have temporary gigs for online / virtual freelancers and is a great way to make a good amount of extra money monthly. Or, there are more hands on side-hustles like dog walking / pet sitting, sites like Rover.com provide a place for you to create a Pet Sitter profile and connect with people needing your service!

These are our starting out tips for your Boss Budget, stay tuned for part 2 more “tea” on growing and maintaining your finances!


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