{"id":4061,"date":"2017-04-20T18:24:38","date_gmt":"2017-04-20T18:24:38","guid":{"rendered":"http:\/\/library.csun.edu\/blogs\/cited\/?p=4061"},"modified":"2017-04-20T19:39:27","modified_gmt":"2017-04-20T19:39:27","slug":"five-budgeting-and-saving-tips-for-money-smart-week-2","status":"publish","type":"post","link":"https:\/\/library.csun.edu\/blogs\/cited\/2017\/04\/20\/five-budgeting-and-saving-tips-for-money-smart-week-2\/","title":{"rendered":"Five Budgeting and Saving Tips for Money Smart Week"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"alignright size-full wp-image-3691\" src=\"http:\/\/library.csun.edu\/blogs\/cited\/wp-content\/uploads\/sites\/4\/2016\/04\/piggybank.jpg\" alt=\"piggybank\" width=\"278\" height=\"181\" \/>1. Budgeting can be hard, and that\u2019s why you need a system in place. In a little less than 20 minutes per month you can master your budget and take control of your finances.\u00a0 <a href=\"https:\/\/www.youtube.com\/watch?v=AezoY23Qxq0\">https:\/\/www.youtube.com\/watch?v=AezoY23Qxq02.<\/a><\/p>\n<p>2. Using a budgeting mobile app like YNAB or Mint can help you stay on track throughout the month and keep your budget in check. <a href=\"https:\/\/www.policygenius.com\/blog\/managing-your-money-with-budgeting-apps-the-pros-and-cons\/\">https:\/\/www.policygenius.com\/blog\/managing-your-money-with-budgeting-apps-the-pros-and-cons\/<\/a><\/p>\n<p>3. Your savings strategy should start with setting aside 3-6 month\u2019s of expenses in a high-yield savings account for your Emergency Fund. <a href=\"https:\/\/www.youtube.com\/watch?v=bmM5SCdViKE\">https:\/\/www.youtube.com\/watch?v=bmM5SCdViKE<\/a><\/p>\n<p>4. Take a 30-day spending break is one of the best ways to supercharge your savings and help you figure out what unnecessary items you are spending your money on.\u00a0 <a href=\"https:\/\/itunes.apple.com\/us\/podcast\/30-day-spending-break-to-supercharge\/id957163760?i=352198228&amp;mt=2\">https:\/\/itunes.apple.com\/us\/podcast\/30-day-spending-break-to-supercharge\/id957163760?i=352198228&amp;mt=2<\/a><\/p>\n<p>5. The Art of Negotiation is one of the best-kept secrets to unlocking savings in a tight budget. Did you know you could negotiate your rent, your cable bill, your phone bill and even your credit card interest rate?\u00a0 <a href=\"https:\/\/itunes.apple.com\/us\/podcast\/art-negotiation-back-to-basics\/id957163760?i=351517739&amp;mt=2\">https:\/\/itunes.apple.com\/us\/podcast\/art-negotiation-back-to-basics\/id957163760?i=351517739&amp;mt=2<\/a><\/p>\n<p>Click<a href=\"http:\/\/library.calstate.edu\/northridge\/books\/results?field=subject&amp;query=Finance%2C+Personal\"> here<\/a> for more articles, books, media and more on Personal Finance from the Oviatt Library.<\/p>\n<p style=\"text-align: right;\"><a href=\"http:\/\/shannahcompton.com\/\">Shannah Compton Game<\/a>, CFP\u00ae, MBA and Finance Professor<\/p>\n","protected":false},"excerpt":{"rendered":"<p>1. Budgeting can be hard, and that\u2019s why you need a system in place. In a little less than 20 minutes per month you can&#8230;<\/p>\n<div class=\"more-link-wrapper\"><a class=\"more-link\" href=\"https:\/\/library.csun.edu\/blogs\/cited\/2017\/04\/20\/five-budgeting-and-saving-tips-for-money-smart-week-2\/\">Read more<span class=\"screen-reader-text\">Five Budgeting and Saving Tips for Money Smart Week<\/span><\/a><\/div>\n","protected":false},"author":11,"featured_media":4071,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[276,272,263,277],"class_list":["post-4061","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-outreach","tag-budgeting","tag-money-smart-tips","tag-money-smart-week","tag-saving-money","entry"],"_links":{"self":[{"href":"https:\/\/library.csun.edu\/blogs\/cited\/wp-json\/wp\/v2\/posts\/4061","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/library.csun.edu\/blogs\/cited\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/library.csun.edu\/blogs\/cited\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/library.csun.edu\/blogs\/cited\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/library.csun.edu\/blogs\/cited\/wp-json\/wp\/v2\/comments?post=4061"}],"version-history":[{"count":7,"href":"https:\/\/library.csun.edu\/blogs\/cited\/wp-json\/wp\/v2\/posts\/4061\/revisions"}],"predecessor-version":[{"id":4066,"href":"https:\/\/library.csun.edu\/blogs\/cited\/wp-json\/wp\/v2\/posts\/4061\/revisions\/4066"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/library.csun.edu\/blogs\/cited\/wp-json\/wp\/v2\/media\/4071"}],"wp:attachment":[{"href":"https:\/\/library.csun.edu\/blogs\/cited\/wp-json\/wp\/v2\/media?parent=4061"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/library.csun.edu\/blogs\/cited\/wp-json\/wp\/v2\/categories?post=4061"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/library.csun.edu\/blogs\/cited\/wp-json\/wp\/v2\/tags?post=4061"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}