Angelle Marix

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Hello, I’m Angelle the creator and author behind Dashing Darlin’. I’ve been married to my
best friend for over 18 years, and we are blessed with four amazing children. I am a wife and momma by day, and a blogger by night. It’s seriously a dream job!

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5 reasons why you need a budget

that budget life

This subject though {smh}…. it use to give me anxiety!! I am not the budget kinda girl #LOL. My mentality was when you see something that you like, want or need then just buy it. My husband is wired completely opposite. This has been by far the biggest challenge in our marriage. We envision the day to day adventures a little differently. I want to travel, dine at cool places, and shop a little too. This all costs moneyyyyy. As all of our parents have quoted at some point in our lives “Money doesn’t grow on trees!!”

Who doesn't want to be to be able to see their wishlist become a reality?!? Read more to find out why we all need a budget. Who doesn't want to be to be able to see their wishlist become a reality?!? Read more to find out why we all need a budget.

5 reasons you need a budget

So, I have a smile on my face as I am typing this post. Succumbing to a budget has radically changed my life and our marriage. I use to think that only certain personalities would find joy in a budget. I was so wrong!!! My hubby and I narrowed it down to 5 reasons why we need to have a budget. Don’t make excuses or get negative just yet…. be open minded.

1) You need a plan.

Me: “So, our plan was to be debt free. I did’t have a clue how to do this. I needed lots of encouragement and guidance.”

So how did we accomplish this??

Mike: “I read as many books and resources to understand how to create a budget and how to live out a cash lifestyle. We came to an agreement to how much monies were allotted to each necessary category based on our income and expenses: groceries, household, savings, emergency fund, vacation, dining, haircuts, recreation, birthdays, Christmas, and Angelle’s nails {LOL}.”

2) You need to have self control.

Me: “This is my biggest weakness. As I stated already when I see or want something, I think that I NEED to buy it now. LOL!! Y’all, it might sell out!!!! But, this cash budget has brought me to a place of self control. I actually think about my purchases before going through with it. With having only cash to rely on, 9 times out of 10, I don’t purchase those WANT items. With this budget, I’ve learned how to NOT be controlled by my emotions. This lifestyle change has been a huge growth area. Y’all, I do cave every now and then, but I just restart the next day.”

Mike: “It’s called delayed gratification.”

 

3) You need to trust the process.

Me: “I trust my husband so I trust the process. HA!! But, I don’t always love it.”

Mike: “We get a paycheck twice a month so that means our cash gets low by the end of the second week. But, sticking with this plan even when it gets tight means that we will have the savings for emergencies or the exact funds for that vacation that we want to take. Sticking with the plan eliminates the stress that comes when there is unannounced doctor bills, broken cars, appliances, or etc.. you don’t want to rely on credit cards. If you stick with the process, you won’t spend money that you don’t have.” 

4) You will be happier when you are older.

Me: “Financial security is one of the many things that I admire about my parents and Mike’s parents. They have the freedom to give to a need, to help a family member, to go on a vacation or to even remodel their house… I want that freedom for Mike and I too.”

Mike: “I would rather pay now and PLAY later.”

5) Your habits effect the next generation.

Me: “Gosh, these little mini me’s watch and reciprocate what they see in the home. I don’t want my kids to battle with poor money management like I have in the past. I want them to see by our example that life can be adventurous and full of nice things yet wisdom steers our every choice.” 

Mike: “Leaving a legacy is not only laying a spiritual foundation for my children but also a financial one as well. It is teaching them by example to make wise choices.”

“A budget is telling your money where to go instead of wondering where it went.”

                                                                                                                   -Dave Ramsey

Who doesn't want to be to be able to see their wishlist become a reality?!? Read more to find out why we all need a budget.Who doesn't want to be to be able to see their wishlist become a reality?!? Read more to find out why we all need a budget.Who doesn't want to be to be able to see their wishlist become a reality?!? Read more to find out why we all need a budget.Who doesn't want to be to be able to see their wishlist become a reality?!? Read more to find out why we all need a budget.

Thanks for taking time to read our thoughts. Hope that we encouraged you at least just a little bit. Happy almost weekend to you!!

shop the post

 Romper: Nordstrom || Wedges: Johnston & Murphy or Steve Madden || Handbag: Sole Society|| Sunglasses: Quay || Necklaces: House of Jade || Bracelets: Dashing Darlin’ etsy

Photography: Jen Menard

Comments

  • These tips are SO great! My husband and I will be reviewing this later haha.

    xo Laura Leigh
    http://www.louellareese.com

    June 1, 2017
  • Such a great post!! Budgets are so important and I feel like people forget the need to have them!

    June 1, 2017
  • Liz
    REPLY

    Budgeting is so important!! Such great tips, girlie!

    Liz
    http://Www.lizzieinlace.com

    June 1, 2017
  • I know this blog post is about a budget but I really need to buy this outfit you have shown… Maybe I’ll start my budget after that purchase.

    June 1, 2017
  • Totally agree! I have an excel spreadsheet budget that I update daily. Don’t know how people survive without one!

    -Morgan
    How 2 Wear It [] http://how2wearit.com

    June 1, 2017
  • Yes! We are finally debt free and it feels awesome, we just need to work on putting more away for retirement.

    June 1, 2017
  • This is such an awesome post! I am the worst with delayed gratification… I am more of a “I need it right now” type, which I know I need to get better at for sure.

    June 1, 2017
  • The best post of the day…or maybe the year! Lol! Seriously so good and actually life changing! I’m with you, sometimes I’m a little impulsive so the self control or delayed gratification is what I need! Love blessing the next generation by being a good steward. Just the best advice ever, and I didn’t even have to read a book! Yay!

    June 1, 2017
    • angelle Marix
      REPLY

      I LOVE YOUUUUU!!! Thanks my friend!! This has been a lifestyle shift for me, but a much needed one.
      xoxo

      June 1, 2017
  • my day job is in finance so you know i’m on board with this!!

    June 1, 2017
  • Kaylee
    REPLY

    I started to really budget my money and not buy so many want items and have been surprised with how well I have done. It makes me regret not starting sooner.

    June 2, 2017
  • Ashley
    REPLY

    Such an insightful post! Budgeting can be SO hard!! On another note, completely obsessed with your romper. LOVE those ruffles!

    June 2, 2017
  • Ben and I read this together for encouragement! We just started our cash budget TODAY as it was pay day and this resonates with us SO well. Thank you for being such an INCREDIBLE example to ALL of us!! I need this in my life and I am glad that you have shown me it is possible to save, have nice things and have self control!!! XO

    June 2, 2017
  • #2 is my greatest downfall! I know how to make a budget but it’s so hard to keep to it!

    June 2, 2017
  • I’m trying really hard to have budget these days, love these tips!
    http://www.kayleighskloset.com

    June 2, 2017
  • S KRITHIKA RAJ
    REPLY

    just the motivation required for a spendthrift like me!! Thank you.

    June 2, 2017
  • Stephanie
    REPLY

    these are awesome thoughts! i’ve always been a budget person because it’s how my parents are, and thankfully my boyfriend is too, so that helps us – but with a passive income from blogging, it can be a little more challenging to stick to that typical budget hah! i gotta work on that!

    June 2, 2017
  • Nina
    REPLY

    We have so many money related conversations in our house too and don’t always see eye to eye but it is so important to keep the convo going!

    xx Nina

    June 4, 2017
  • I love that! Telling it where to go instead of wondering where it went. It is also something that causes me anxiety from time to time but I feel better when I check in with my finances.

    June 4, 2017
  • Let me start off by saying I love your outfit! And since I’ve been out of school, budgeting is so important for me. With student loan payments due every month and groceries to buy, rent to pay, etc., it keeps me on track and not overspending!

    June 5, 2017
  • loving your photo edits!

    June 7, 2017

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