Couple Money

10 Ways to Simplify Your Finances to Save a Ton of Time and Money

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Want to save more and pay down your debt faster, but feel overwhelmed? Here are ten ways you can simplify your finances so you have more time to enjoy while still staying on top of your money!

How to Simplify Your Finances

Last week Mark and Lauren shared how they had worked together cut back on their previous lifestyle (and spending), became debt free, and have a stronger marriage.

Today we’re looking at how you can get started with simplifying your life so more time and money for what really matters to both of you!

In this episode, we'll get into:

Hope you enjoy! 

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Resources to Maximize Your Bank Accounts

Are you two ready to master your joint accounts and create a system that fits your priorities and styles?

Here are some resources to check out!

If you’d like to chat about your money moves for this year, you can join us in the Thriving Families Facebook community. We're a fun and supportive group.

We swap ideas, questions, stories, advice. When we try to help one another out with our family and financial goals.

We'd love to see you there!

Looking for Meaningful Wins

As you’ve heard on the podcast all this month – changing habits and developing a new system of doing things takes more than just willpower.

Having a reward or win can be a powerful motivator.

How many times have you’ve been frustrated by making a huge change and saving only chump

Don’t worry about the latte factor, instead go for big wins that matter to you.

What constitutes a big win is personal, but for myself it’s either:

It’s not a hard and fast rule, but those wins tend to fuel me to continue cutting back on expenses.

10 Ways you Can Simplify Your Finances

Give your budget a boost this week by doing a test run and simplifying.

To jump-start you two, here are 10 ways you can stay on top of your finances without spending a ton of time!

  1. Switch to a 50/30/20 Budget
  2. Automate Savings at the Beginning of the Month
  3. Focus on One of Your 3 Biggest Expenses and Slash It by 20%
  4. Only Use Cash When Eating Out
  5. Skip Out on Credit Cards
  6. Schedule Your Bills to Be Out within 48 hours of Your Paycheck Coming In
  7. Track Your Spending with a Small Notebook
  8. Don’t Buy Any New Stuff
  9. Shop Around with Your Car Insurance
  10. Call and Cancel Your Cable

Simplify on Your Time Schedule

Pick one or two and try it out for one month. Sometimes with a shorter commitment, you’re more likely to keep a new habit or system.

This isn’t wasn’t about forcing or making you feel guilty enough to change, it’s about giving you two ideas so you can find what works best.

If you want to bump up your chances of keeping the changes, share it with me. Leave a comment on site, tweet me, or chat on Facebook.

Support the Podcast

Thank you so much for listening!

I appreciate your help. Let’s make talking about marriage and money fun!

Music Credit

Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere

This podcast episode was originally released January 2015. The show notes have been updated February 2023.

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