Of course we all need to budget. Budgeting affects every aspect of our lives. Budgeting is kinda just another word for managing something. So that everything stays in ⚖️ balance. No extremes… just everything’s even steven.

Whether we need to manage our Netflix 🖥 Binges & cut down on that TV time ( so we get the laundry 👖 done & life stays balanced ) Or manage our intake of Calories & not go overboard ( keeping the scale somewhat balanced). Or even managing / budgeting how many hours our boys play Video 🕹 games.  ( BTW, Click here to find out how you can make money by playing video games).

We all want Balance.

It’s the same with Money! We all want an Even Steady Flow of money coming in & going out. No extreme lows or highs.  This technique shows you have to maintain an even flow of money so you don’t have those highs and lows that lead to spending binges.

The Pay 1/2 Budget

One technique I found that best Maintains this Balance is the ‘ Pay Half Budget ’   The mindset is this. If you get paid every 2 weeks 📆  usually you have Paycheck  #1 you have to pay HUGE BILLS with & are left with hardly no extra cash to spend.

And Paycheck #2 , you have the LITTLE bills to pay & lots of leftover moola to spend.

It’s Feast or Famine.  Your on an extreme diet then when you go off the diet, you binge.

Its the Classic the YO – YO Effect.  Every 2 weeks from Mr Scrooge “Absolutely No! You can’t have that gum ball!”

To Mrs Congeniality, “Sure kids you can have that Lego &/or Barbie!, you want some gum too! “

BTW, Are you aware that you can get some Bank and Credit Card fees refunded?  Cushion can get you refunded fees on:

Do this, Pay half the bill every two weeks!! That’s it. Just pay half the amount every 2 weeks… This maintains an equal amount of spending money all Month long & Breaks the rollercoaster 🎢 spending mentality.

With Every paycheck, set aside half of all your bill amounts in a separate account not accessible to debit cards. This way, the Deductions are equal every paycheck. When time comes to pay, just pay them out of this account. So you end up living a balanced normal spending life all month long. No more freaking your kids out!

Start with just doing this with one Big Bill, lets say the Rent.  Pay Half on the 1st and Pay Half on the 15th.  (or put aside Half in your Savings account until the due date).  You”ll have a More Even Cash Flow through out the entire month. More Balance in your life.

Another option for credit 💳 cards is to pay ½, twice a month. Most online payments can be made anytime you want. This can decrease your interest charged to you because you are now lowering your balance more often.

Use a Debt management company such as Tally.  Tally makes it easy to pay down your credit cards.  First they transfer your high interest rate balances to a Tally credit line, eventually saving you hundreds of dollars really quick.  With these savings you apply to your debt and reach your goal faster.  Paying off credit cards is Freedom!

 Click here to stay on top of your credit cards with Tally.  

Pay Half budget works for some!  It worked for me while I was trying to pay off my credit cards.  it actually made me pay down a little more every 2 weeks and kept me from thinking I had extra money and blowing it on stuff I could do without or huge daily Lattes.  It made me feel more organized too, like an accountant.  I was on top of my bills and it felt good.

I don’t like giving those multi billion dollar Credit Card Corps my interest money. Ill keep it for my family. ty.

Paribus is a very cool service that Checks ✅ to see if any of those multi billion dollar Corps owe you money.

It tracks the price of an item you purchased and works to get you a refund if the price drops. Kinda like Price Matching. It does the footwork for you! Its grand.

PARIBUS has returned $ 10 million dollars 💰 from huge Corporations to people like you and I.

Click here to find Money due to you at Paribus

You feel good & you want to continue to feel good … so go ahead & put some more money into your savings account which is NOT accessible with your 🏧 debit card.

And if you ever want to save money on everyday groceries,

There’s a little- known app named Ibotta ($10 bonus if you click here) that literally gives you cash back on groceries you buy anyway.

22 million people use Ibotta! 

Pay Half budget works for some!  It worked for me while I was trying to pay off my credit cards.  It actually made me pay down a little more every 2 weeks and kept me from splurging and eating out too much.  It made me feel more organized too.

Life Balance works!