{"id":7347,"date":"2026-04-08T10:47:09","date_gmt":"2026-04-08T15:47:09","guid":{"rendered":"https:\/\/stpaulfcu.org\/?post_type=education&p=7347"},"modified":"2026-04-08T10:47:10","modified_gmt":"2026-04-08T15:47:10","slug":"how-to-budget-in-times-of-inflation","status":"publish","type":"education","link":"https:\/\/stpaulfcu.org\/education\/how-to-budget-in-times-of-inflation\/","title":{"rendered":"How to Budget in Times of Inflation"},"content":{"rendered":"\n

Sticking to a budget during times of high inflation is challenging \u2013 but not impossible. Here are five ways to help make it happen:<\/p>\n\n\n\n

Plan your grocery purchase<\/strong>s<\/h2>\n\n\n\n

First, shop your pantry and fridge before hitting the store. You may not remember what you have at home, so a quick scan can help you stick to purchasing only what you need. <\/p>\n\n\n\n

Next, plan your week\u2019s dinner menu before shopping so you can pick up what you need for the week in one go. The fewer trips to the grocery, the less you\u2019ll spend on impulse buys. <\/p>\n\n\n\n

Finally, don\u2019t forget to shop the sales! Use apps like Checkout 51<\/a> and Flipp<\/a> to stay in the know of what\u2019s on sale in each store.<\/p>\n\n\n\n

Consider an energy audit<\/strong><\/h2>\n\n\n\n

With each year, the cost of energy sources seems to climb. Winter can be a good time to have an energy audit performed on your home. An audit will help identify energy drains, such as air leaks near your windows and doors, so you can fix them and make your home more energy efficient.\u00a0<\/p>\n\n\n\n

Choose your indulgence<\/strong><\/h2>\n\n\n\n

Everyone needs to treat themselves to something special every now and then, but with costs rising on restaurant meals, movie tickets and clothing, something\u2019s gotta give. Take a closer look at your just-for-me purchases, and try to narrow them down to just one or two treats. <\/p>\n\n\n\n

You can also find ways to trim the cost of your indulgences. For example, if you love dining out but restaurant meals are destroying your budget, you can eat out but skip desserts and wines, or split an entree with your dining partner. <\/p>\n\n\n\n

Switch your auto insurance plan<\/strong><\/h2>\n\n\n\n

If you\u2019ve had your auto insurance policy for a while and you\u2019ve maintained a good driving record, you might save a bundle by switching to a new policy and\/or provider. Reach out to your current insurer to discuss your options. Ask about raising your deductible in exchange for a lower premium, reducing overall coverage or negotiating for a safe driving discount. After obtaining a quote, call several other providers to get competing quotes. We recommend choosing St. Paul Federal Insurance<\/a> for one of those competing quotes. Go with your lowest offer, or call back your present provider and ask them to match it for your continued business.\u00a0<\/p>\n\n\n\n

Pad your income<\/strong><\/h2>\n\n\n\n

If your paycheck is suddenly not enough to support your lifestyle, consider asking for a cost-of-living raise. You can also look for other ways to pad your income, such as driving for a ride-share company or consulting for hire on weekends. Every extra dollar earned counts!<\/p>\n\n\n\n

Yes, you can ride out the record-high inflation and keep your budget intact! Use the tips shared here to get started. <\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

Sticking to a budget during times of high inflation is challenging \u2013 but not impossible. Here are five ways to help make it happen: Plan your grocery purchases First, shop your pantry and fridge before hitting the store. You may not remember what you have at home, so a quick scan can help you stick […]<\/p>\n","protected":false},"featured_media":7348,"template":"","education-category":[194],"class_list":["post-7347","education","type-education","status-publish","has-post-thumbnail","hentry","education-category-tips-resources"],"yoast_head":"\nHow to Budget in Times of Inflation - St. Paul Federal Credit Union<\/title>\n<meta name=\"description\" content=\"Sticking to a budget during times of high inflation is challenging \u2013 but not impossible. Here are five ways to help make it happen:\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/stpaulfcu.org\/education\/how-to-budget-in-times-of-inflation\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Budget in Times of Inflation\" \/>\n<meta property=\"og:description\" content=\"Sticking to a budget during times of high inflation is challenging \u2013 but not impossible. Here are five ways to help make it happen:\" \/>\n<meta property=\"og:url\" content=\"https:\/\/stpaulfcu.org\/education\/how-to-budget-in-times-of-inflation\/\" \/>\n<meta property=\"og:site_name\" content=\"St. Paul Federal Credit Union\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/stpaulfcu.org\/\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-08T15:47:10+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/stpaulfcu.org\/wp-content\/uploads\/2026\/04\/inflation-calculator.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1500\" \/>\n\t<meta property=\"og:image:height\" content=\"1500\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@StPaulFCU\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/stpaulfcu.org\\\/education\\\/how-to-budget-in-times-of-inflation\\\/\",\"url\":\"https:\\\/\\\/stpaulfcu.org\\\/education\\\/how-to-budget-in-times-of-inflation\\\/\",\"name\":\"How to Budget in Times of Inflation - St. Paul Federal Credit Union\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/stpaulfcu.org\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/stpaulfcu.org\\\/education\\\/how-to-budget-in-times-of-inflation\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/stpaulfcu.org\\\/education\\\/how-to-budget-in-times-of-inflation\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/stpaulfcu.org\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/inflation-calculator.jpg\",\"datePublished\":\"2026-04-08T15:47:09+00:00\",\"dateModified\":\"2026-04-08T15:47:10+00:00\",\"description\":\"Sticking to a budget during times of high inflation is challenging \u2013 but not impossible. Here are five ways to help make it happen:\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/stpaulfcu.org\\\/education\\\/how-to-budget-in-times-of-inflation\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/stpaulfcu.org\\\/education\\\/how-to-budget-in-times-of-inflation\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/stpaulfcu.org\\\/education\\\/how-to-budget-in-times-of-inflation\\\/#primaryimage\",\"url\":\"https:\\\/\\\/stpaulfcu.org\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/inflation-calculator.jpg\",\"contentUrl\":\"https:\\\/\\\/stpaulfcu.org\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/inflation-calculator.jpg\",\"width\":1500,\"height\":1500,\"caption\":\"A calculator sits atop a pile of money with the words \\\"inflation\\\" on the display screen\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/stpaulfcu.org\\\/education\\\/how-to-budget-in-times-of-inflation\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/stpaulfcu.org\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Education\",\"item\":\"https:\\\/\\\/stpaulfcu.org\\\/education\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"How to Budget in Times of Inflation\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/stpaulfcu.org\\\/#website\",\"url\":\"https:\\\/\\\/stpaulfcu.org\\\/\",\"name\":\"St. Paul Federal Credit Union\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/stpaulfcu.org\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/stpaulfcu.org\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/stpaulfcu.org\\\/#organization\",\"name\":\"St. Paul Federal Credit Union\",\"url\":\"https:\\\/\\\/stpaulfcu.org\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/stpaulfcu.org\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/stpaulfcu.org\\\/wp-content\\\/uploads\\\/2023\\\/07\\\/logo.png\",\"contentUrl\":\"https:\\\/\\\/stpaulfcu.org\\\/wp-content\\\/uploads\\\/2023\\\/07\\\/logo.png\",\"width\":264,\"height\":46,\"caption\":\"St. Paul Federal Credit Union\"},\"image\":{\"@id\":\"https:\\\/\\\/stpaulfcu.org\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/stpaulfcu.org\\\/\",\"https:\\\/\\\/x.com\\\/StPaulFCU\"]}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"How to Budget in Times of Inflation - St. Paul Federal Credit Union","description":"Sticking to a budget during times of high inflation is challenging \u2013 but not impossible. Here are five ways to help make it happen:","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/stpaulfcu.org\/education\/how-to-budget-in-times-of-inflation\/","og_locale":"en_US","og_type":"article","og_title":"How to Budget in Times of Inflation","og_description":"Sticking to a budget during times of high inflation is challenging \u2013 but not impossible. Here are five ways to help make it happen:","og_url":"https:\/\/stpaulfcu.org\/education\/how-to-budget-in-times-of-inflation\/","og_site_name":"St. Paul Federal Credit Union","article_publisher":"https:\/\/www.facebook.com\/stpaulfcu.org\/","article_modified_time":"2026-04-08T15:47:10+00:00","og_image":[{"width":1500,"height":1500,"url":"https:\/\/stpaulfcu.org\/wp-content\/uploads\/2026\/04\/inflation-calculator.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_site":"@StPaulFCU","twitter_misc":{"Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/stpaulfcu.org\/education\/how-to-budget-in-times-of-inflation\/","url":"https:\/\/stpaulfcu.org\/education\/how-to-budget-in-times-of-inflation\/","name":"How to Budget in Times of Inflation - St. Paul Federal Credit Union","isPartOf":{"@id":"https:\/\/stpaulfcu.org\/#website"},"primaryImageOfPage":{"@id":"https:\/\/stpaulfcu.org\/education\/how-to-budget-in-times-of-inflation\/#primaryimage"},"image":{"@id":"https:\/\/stpaulfcu.org\/education\/how-to-budget-in-times-of-inflation\/#primaryimage"},"thumbnailUrl":"https:\/\/stpaulfcu.org\/wp-content\/uploads\/2026\/04\/inflation-calculator.jpg","datePublished":"2026-04-08T15:47:09+00:00","dateModified":"2026-04-08T15:47:10+00:00","description":"Sticking to a budget during times of high inflation is challenging \u2013 but not impossible. Here are five ways to help make it happen:","breadcrumb":{"@id":"https:\/\/stpaulfcu.org\/education\/how-to-budget-in-times-of-inflation\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/stpaulfcu.org\/education\/how-to-budget-in-times-of-inflation\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/stpaulfcu.org\/education\/how-to-budget-in-times-of-inflation\/#primaryimage","url":"https:\/\/stpaulfcu.org\/wp-content\/uploads\/2026\/04\/inflation-calculator.jpg","contentUrl":"https:\/\/stpaulfcu.org\/wp-content\/uploads\/2026\/04\/inflation-calculator.jpg","width":1500,"height":1500,"caption":"A calculator sits atop a pile of money with the words \"inflation\" on the display screen"},{"@type":"BreadcrumbList","@id":"https:\/\/stpaulfcu.org\/education\/how-to-budget-in-times-of-inflation\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/stpaulfcu.org\/"},{"@type":"ListItem","position":2,"name":"Education","item":"https:\/\/stpaulfcu.org\/education\/"},{"@type":"ListItem","position":3,"name":"How to Budget in Times of Inflation"}]},{"@type":"WebSite","@id":"https:\/\/stpaulfcu.org\/#website","url":"https:\/\/stpaulfcu.org\/","name":"St. Paul Federal Credit Union","description":"","publisher":{"@id":"https:\/\/stpaulfcu.org\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/stpaulfcu.org\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/stpaulfcu.org\/#organization","name":"St. Paul Federal Credit Union","url":"https:\/\/stpaulfcu.org\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/stpaulfcu.org\/#\/schema\/logo\/image\/","url":"https:\/\/stpaulfcu.org\/wp-content\/uploads\/2023\/07\/logo.png","contentUrl":"https:\/\/stpaulfcu.org\/wp-content\/uploads\/2023\/07\/logo.png","width":264,"height":46,"caption":"St. Paul Federal Credit Union"},"image":{"@id":"https:\/\/stpaulfcu.org\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/stpaulfcu.org\/","https:\/\/x.com\/StPaulFCU"]}]}},"_links":{"self":[{"href":"https:\/\/stpaulfcu.org\/api\/wp\/v2\/education\/7347","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/stpaulfcu.org\/api\/wp\/v2\/education"}],"about":[{"href":"https:\/\/stpaulfcu.org\/api\/wp\/v2\/types\/education"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/stpaulfcu.org\/api\/wp\/v2\/media\/7348"}],"wp:attachment":[{"href":"https:\/\/stpaulfcu.org\/api\/wp\/v2\/media?parent=7347"}],"wp:term":[{"taxonomy":"education-category","embeddable":true,"href":"https:\/\/stpaulfcu.org\/api\/wp\/v2\/education-category?post=7347"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}