Almost everyone works to a budget today. We all know what we earn and generally, we work to a strict budget as everything feels so expensive these days. In the back of our minds, we think about everything we could want out of a holiday and we daydream about "champagne wishes and caviar dreams" (thanks to Robin Leech ha!) on our lemonade budget. Is it depressing? Absolutely. And yet here we are, we still do it! So, let’s take a minute away from our imaginations and start making them come to life. Harsh budget or not, you can evaluate … [Read more...] about Want The Dream Holiday? Here’s How To Get It
Budgets
Families operate on one, or two, incomes. The best way to manage your household finances is to have a budget.
Being a Minimalist with Your Finances and Budget
We all hate the word budget, right? When someone tells you to budget your finances, that equates to doing without, not having what you want when you want. We are here to tell you that does not have to be the case. We are going to show you how you can be more minimalist on a budget and still have what matters most to you. I am a tiny house fan. I watch shows where people go from living in a home with over 3,000 square feet to making it all work in a space with less than 900 square feet. You can do the same with your budget and not miss … [Read more...] about Being a Minimalist with Your Finances and Budget
5 Ways for Avoiding Mortgage Debt
When you first own a home, it feels like a dream has come true. You have a little place on earth that you can call your own. But once you realize that you also have a financial burden that is staying with you for many years, it becomes a lot less dreamy. When reality hits you, you’ll begin to wonder what kinds of risks you have on your shoulders. Debt is something that many first-time homeowners face when they are trying to hold onto their property but they don’t have the right amount of income coming in to save them. Personal debt that is tied … [Read more...] about 5 Ways for Avoiding Mortgage Debt
How to Get Your Finances Back on Track
Financial health is something that shouldn’t be overlooked. It can mean the difference between being able to buy that dream house or claiming bankruptcy. While money is a tough and uncomfortable subject for many, it’s important not to put your head in the sand. If you find that your finances are spiralling out of control - thanks to the coronavirus pandemic or another reason, here are 4 effective ways to get back on track again. Be Honest The first step to getting yourself back on track is by being brutally honest with the real … [Read more...] about How to Get Your Finances Back on Track
Bills Through The Roof? Here’s How You Can Bring Them Down
Sick of spending a fortune on bills? If there’s always too much month at the end of your money then things need to change, when you work hard for your wage the last thing you want is money being spent unnecessarily when some simple cutbacks would make saving easy. Here are a few ways you can go about it. Think About Your Food Budget One place most of us will be able to save money- in many cases, significantly- is with food. The majority of us waste too much food where we’re disorganized with our meals, eat out too often and choose … [Read more...] about Bills Through The Roof? Here’s How You Can Bring Them Down
Frugal Living and Saving on the Must Haves
Having a family, a home, a job, friends, and a social life, can take up a lot of your time, and a whole heap of your money. So being able to look for some ways to save, especially on the everyday ‘must haves’ is a really good idea. When you’re able to do this, it can free up some disposable income, and mean more money to pay off debts, as well as more money for your family. It is a pretty general statement, but most people know that budgeting and being able to make some smart choices with their money, will help them save money in the long … [Read more...] about Frugal Living and Saving on the Must Haves
Creating a Budget That Works for You
Face it. Setting up a budget and paying attention to what you’re spending can be difficult. It’s time-consuming, places restrictions on you, and is something that always seems to be on tomorrow’s to-do list. It doesn’t need to be that way though. When a budget is done right, having control of your money is quite empowering and can assist you with reaching your financial goals. You might even take out a small personal loan to consolidate some debt and pay it off easier. A budget can even assist you with planning for the occasional guilt-free … [Read more...] about Creating a Budget That Works for You
Why an Envelope Style Budgeting System Might Be a Lifesaver
Money management is one of those things that pretty much no one is completely “comfortable” with. Even if you feel like you’re on top of things, it is all but inevitable that you will sometimes spend more in a particular budget category then you should have, that you will have less money coming in than you thought you would on a given month, or that you will have forgotten about a large annual expense – at least from time to time. Nonetheless, when it comes to securing your well-being, and that of your nearest and dearest, being able to manage … [Read more...] about Why an Envelope Style Budgeting System Might Be a Lifesaver
