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Today’s post comes from fellow S&S reader, Evie. Want to make it through the month without going broke? Here are some tips to make that happen.

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How to Stop Being Broke at the End of the Month

If you get paid monthly, you know how hard it can be to make it until the next payday. You may feel like nothing you do makes a difference, and that it’s never going to change.

But this isn’t the case at all! Sometimes a few changes are all you need to turn things around!

Budgeting

When you get a monthly wage, you may feel flush to begin with. When the end of the month comes along, however, it may be hard to make it through the week.

One way for you to avoid all this stress is to divide your budget into separate weekly amounts. If you want, you can even put cash into an envelope. This will stop you from overspending and make it way easier for you to stay on top of everything.

If you are not able to put money into an envelope, you may want to think about transferring a set amount to a separate bank account every single week. When you do this, you can then start a savings fund for anything you don’t use.

Download an App

There are so many apps out there that can help you to stay on top of your spending.

The best thing about an app is that it reminds you of what you can spend and what you can’t. You can also set reminders for the things that you know are coming up. This can include birthdays, bills, additional expenses, and more. This is one of the best ways for you to stop yourself from getting into debt, and it will also help you make more informed decisions. Some applications can even tell you how much spending money you will have left over after paying all of your bills and your shopping by calculating your average. This can work wonders if you hate budgeting manually.

Pay your Bills at Once

If you can, you should try and get all of your bills to come out at the same time every single month. It makes it easier to pay everything at a single time. After all, you can cut back on your shopping and even your everyday expenses, but you really can’t cut back on your bills.

If you want to get the best result out of your wage, set your bills to be paid as soon as your income is deposited to your account. This way, the only thing that you have to budget for is your shopping.

Save on Shopping

When you go out shopping, there is a good chance you make impulse buys. You may feel inclined to pick up an extra bag of sweets or even a luxurious steak for dinner. We all do it, but it can really have an impact on your finances.

If you want to avoid this, do all of your shopping online. This will give you the chance to go over the items you have in your basket and you can also see the price build up rather than having a shock when you get to the checkout. Of course, when doing your shopping it helps to keep an eye out for deals and discounts as this can help you to save far more than you realise.

Your Income

If, after all of this, you are still struggling, you may have a problem with your income. It may be worth you trying to get another job or even asking for a promotion. If you feel like your boss is not paying you for the job you’ve done, it may be a good idea for you to look into an attorney referral service. This is especially the case if you are getting paid less than the national minimum wage.

Making ends meet doesn’t have to be hard work. When you follow the above tips, you will soon see that it is easier than ever for you to turn things around for yourself and your family.