Avoiding Budget Killers
Even the best budgets can be derailed by little habits if left unchecked. Consistency and awareness are key. Here are 3 common budget killers to help you keep your budget on track:
Overusing Food Delivery Apps
Relying too heavily on food delivery apps like DoorDash and Uber Eats can quietly wreck your budget. The convenience comes at a steep cost - delivery fees, service charges, and tips can easily turn a modest $12 meal into a $30 expense.
Doing this a few times a week adds up fast, often without you realizing how much you're spending until it's too late. Cooking at home just a few more times a week can save you hundreds each month, or do a pickup at the restaurant instead of delivery.
Not Reviewing Transactions Regularly
If you’re not looking at your credit card or checking account at least weekly, small charges can slip by. Duplicate subscriptions, forgotten trials, or even fraudulent activity can be easily missed.
That $8.99 mystery charge might still be coming out month after month without you noticing, which is money down the drain.
Forgetting Irregular Expenses
You might budget for rent, groceries, and gas, but what about your car registration, Amazon Prime renewal, or your cousin’s wedding gift?
If you don’t build a buffer or savings category for these, they can hit hard and throw your budget off course. Beyond just making it harder to reach savings goals, it can lead to a constant cycle of catching up instead of staying ahead.
Cornerstone offers simple budgeting software that's built right into your mobile and online banking! Cash Coach is free and available to every member to help track spending, plan for big purchases, and so much more.
