Showing posts with label budgeting. Show all posts
Showing posts with label budgeting. Show all posts

Friday, 21 June 2013

I have put a post on  Lovely Grey Day's blog. See my list of great blogs at the side of my posts.  I have reproduced it here:

"I like the idea of the 5:2 regime.  FOr a long time now I have not been spending anything at the weekends! THis has not been hard.  I just haven't been out.  I have recently tried not spending anything on one of the work days.  That is much harder for me.  We have collections at work for colleagues who might be sick or be having milestone birthdays.  We have a lottery syndicate.   Snacks. I have been taking only the amount of money I need for things that I really have to buy.  I can do that but often I have to break into a note and then I'm tempted to spend some of the change.  I'm inspired now to have one regular working day when I don't buy anything.  I'll make it Monday so that it's done and then I can let you know how I've got on.  Does anyone else feel a bit insecure if they don't take a few pounds out with them? a bit pathetic, and something I need to get over. As long as I've got enough lunch and snacks there's really nothing to worry about."

Have a look at her blog so you can see the rest of the discussion.  We were thinking about not spending for a couple of days a week.What does everyone else spend during the working week?  Is anyone prepared to confess if they're buying smart coffees, mega lunches, magazines, chocolate, taxis?

This coming Monday I'm not going to take money (or cards) with me to work.  For me that's a bit scary so I'll let you all know how I get on!



Tuesday, 18 June 2013

I'm trying to spot new blogs these days that can give some great tips on budgeting and simplifying my life. Have a look at this one! 

http://ninetofive-ish.blogspot.co.uk/

I have been clearing my financial clutter lately in an effort to start simplifying my financial life.  I am ashamed to say that I haven't opened my bank statements since the beginning of 2011.  I have been opening them for the last three weeks and I'm getting on top of things.  I'm opening them as soon as they arrive and jotting on the bottom any bills still outstanding for the month and any money that I've taken out since the last statement or anything that I've spent on  my debit card. That's working well.  I won't make any excuses for not bothering for 18 months.  I just had my mind on health worries.  I haven't got into debt.  I have got a rough idea in my mind of what is available to spend, but I haven't saved anything.  

That has to change!

I'm getting an idea of where I am and then I'm going to start saving in a small way and then build up. Watch this space!

If you've got any - very simple- budgeting tips or tips for keeping up with the never-ending financial paperwork - please post them on my blog.  Any advice very welcome!


Saturday, 8 June 2013

I have been looking for some budgeting help, what with my extra expenditure for trips to the hospital for my big dental treatment and associated expenses, such as hypnotherapy.

I've come across this post from one of my featured blogs - Christian Personal Finance:

http://christianpf.com/lazy-mans-budget/

This is a great post that explains clearly a very simple budgeting system. I'm not one for anythig complicated so this really suits me.  In many ways it can seem  quite old fashioned, using envelopes for various expenditure,but it's so easy that it really works.  I have tried in the past using a highly computerised spreadsheet system and I found it so hard to stick to that I just gave up.  See what you think about this system and let me know.

I need to start seeing where my money goes.  If anyone else can help me with budgeting I would be really grateful.