Budget Girl: how to stick to a budget and questions answered

How do you stick to the budget when you want to be spontaneous? More Money Mondays/ Finance Fridays: Subscribe! - Things mentioned: My copy-able budget: Sinking funds: How I price match: Questions asked: Mel Mel Hi Budget Girl. I really like your videos and have a general question about adjusting to living on a budget. I have a six month emergency fund and no debt apart from my mortgage. I always seem to break even each month instead of adding more to retirement savings or paying off my mortgage early. I've started writing out a monthly budget and it has some wiggle room but I still find it hard to keep to. My biggest problems are emotional spending on little treats that add up, wanting to be spontaneous and simply not being disciplined enough. I'm used to spending what I have and I find it hard to deny myself! Did you find these things hard at first? Do you have any tips? Background info - I'm not a huge spender but I work in the charity sector and my income isn't very high. Housing costs are also expensive here in the UK. I don't want to get another job because I'm already working, studying and fixing up my house myself to save money on contractors. I live fairly frugally, cook my own food, use the library, shop mostly at cheap shops. Having said that, I could realistically reduce my spending a bit. Bayley Harris Hey! My question is once you pay off a student loan, do you have to close the account or do any finalizing paperwork? Thanks and love your channel! Moreen Valentine Since you're a journalist, maybe you can freelance blogging/writing gigs? Frugally Fabulous Hey, BG! Love your videos. Just wondering if your glass jars do okay in the microwave. Do you heat your soup up in them? It looks so good. I think I'll try that brand. Thanks, F.F. Melodie S Hello Budget Girl! I love watching your videos. I have a question for you. I have become addicted to watching your channel and other financial related you tube channels. My question pertains to credit cards. I know Dave Ramsey and many others say cut up the credit cards. I know people are cutting up the credit cards, but are they cancelling the accounts? Do you have an active credit card? I heard one other you tube video where it was stated they keep 1 credit card for travelling and things like that. What is your view point on this? Joan3424 Will you still vlog when you are debt free? Diane Smith Hay bg how do you deal with these call s from company's that say you've been awarded money you just need to call this phone number with code and when you do they ant you debt it or credit card number and when you hang up they keep calling back Melissa Makarewicz What store do you use to price match with? We live in bentonville area so the only store around is Walmart (obviously :) I use Ibotta when I can, but I would love to be able to price match fruit and vegetables. Sarah Lisa BG why do you always only make 4 servings for lunch? Do you only have a 4 day work week or do you just take something else/ buy out on the other day? Madeleine Norman Great job going under 15000! I have myself just started, made a budget yesterday and I saved away 50 dollars and paid off 30 dollars on my debt. Not much but I am saving the emergency fund first. I had saved more but my phone went stone dead and as I work by talking to the media on the phone I cant not have a phone. Computer yes, phone no. I do love your template btw. Is it avaible online? Cassidy Courtney what are your "sinking accounts". also is your budget template available on Google docs?? I have one I'm using, but I like yours better. Things I recommend/ use: CapitalOne360 (for interest-bearing sinking funds!): Deals2Meals (for price-matching groceries!): P.O. Box: Budget Girl P.O. Box 1231 Mena, AR 71953 Facebook: Instagram: