{"id":122,"date":"2016-06-23T07:17:26","date_gmt":"2016-06-23T07:17:26","guid":{"rendered":"http:\/\/bgrfinancialcoaching.com\/?p=122"},"modified":"2016-06-23T07:17:26","modified_gmt":"2016-06-23T07:17:26","slug":"5-budgeting-tips-couples","status":"publish","type":"post","link":"http:\/\/www.bgrfinancialcoaching.com\/index.php\/2016\/06\/23\/5-budgeting-tips-couples\/","title":{"rendered":"5 Budgeting Tips for Couples"},"content":{"rendered":"

Too often the dreaded \u201cB\u201d word as in Budget<\/strong> can turn a conversation sour quickly.\u00a0 It doesn\u2019t have to be this way; it can actually be a very rewarding experience emotionally, financially and within your personal relationship.\u00a0 Couples who budget together have seen their marriage flourish in areas you would not expect such as communication, sensitivity and closeness beyond their wildest dreams.<\/p>\n

Budgeting isn\u2019t a restriction on what you can spend as much as it is directing and planning how you will spend your hard earned income. \u00a0It is also something that must be done monthly as priorities and certain expenses change. \u00a0It should be freeing not restricting.<\/strong><\/p>\n

    \n
  1. Agree on a time that you both can participate when you are without distractions. Having an agreed on dedicated time you both are free to discuss and plan for the upcoming month will make the budgeting process less stressful.<\/li>\n<\/ol>\n
      \n
    1. First step is to list all monthly income, then make a list of your primary expenses such as food, housing, utilities and transportation on paper or electronically; it must be written.<\/strong> Once these have been done then address other monthly expenses in priority.\u00a0 Your monthly budget should consist of 3 main areas; Giving, Spending and Saving.<\/strong><\/li>\n
    2. Once you have established your budgeting priorities, make sure you both agree;<\/strong> then start following it. Don\u2019t worry it won\u2019t be prefect and it will take about 3 months to get a pretty solid budget in place.\u00a0 Remember, the budget isn\u2019t a fixed tool, it must be adjusted prior to the beginning of each month.\u00a0 You have fixed expenses such as housing, groceries and car, you also have variable expenses like utilities and then the occasional expenses (things that don\u2019t occur every month) license renewals, vehicle inspections etc.<\/li>\n<\/ol>\n
        \n
      1. Review your past month\u2019s budget to evaluate what items were within budget, over budget and under budget. This will help as you plan the next month\u2019s budget. Remember, each month your budgeting will get easier<\/strong>.<\/li>\n<\/ol>\n
          \n
        1. Celebrate your victories<\/strong>, make course corrections if you stray away from the budgeting plan. Don\u2019t beat yourself up, just make the correction and move on.\u00a0\u00a0 You will get better.<\/li>\n<\/ol>\n

          Remember budgeting is a monthly requirement for you both.\u00a0 Soon you will be on your way to making better financial decisions and watching your relationship grow.\u00a0 Make budgeting a positive experience.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

          Too often the dreaded \u201cB\u201d word as in Budget can turn a conversation sour quickly.\u00a0 It doesn\u2019t have to be this way; it can actually be a very rewarding experience emotionally, financially and within your personal relationship.\u00a0 Couples who budget<\/p>\n","protected":false},"author":1,"featured_media":46,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_wp_convertkit_post_meta":[],"footnotes":""},"categories":[3],"tags":[],"class_list":["post-122","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-couples"],"yoast_head":"\n5 Budgeting Tips for Couples - BGR Financial Coaching<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/www.bgrfinancialcoaching.com\/index.php\/2016\/06\/23\/5-budgeting-tips-couples\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"5 Budgeting Tips for Couples - BGR Financial Coaching\" \/>\n<meta property=\"og:description\" content=\"Too often the dreaded \u201cB\u201d word as in Budget can turn a conversation sour quickly.\u00a0 It doesn\u2019t have to be this way; 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