It’s time for me to share with you our February 2018 budget report. How can March be here already?!
Things may have been easier for you in February, compared to last month. What do you think? Have you recovered from Christmas? Maybe you organise your money so you’re saving for Christmas throughout the year? Perhaps you don’t go over a set Christmas budget either? Let me know. If you’re not doing these things, why not start now? Continue reading “Our February 2018 Budget Report”
OK, so what IS the difference between ‘saving’ and SAVING?
You might ask yourself ‘What’s the difference between the two and what does this woman mean we lie to ourselves?’ Continue reading “The Difference between ‘Saving’ and SAVING – How We Lie to Ourselves”
It’s a little late, but I said I’d show you how our November budget went and how we did, so here it is!
November was an unusual month. We’ve been looking after a neighbourhood cat whose owners were unable to pay his vet bills. The poor cat had been wanting to spend a lot of time at ours. With me being a qualified Veterinary Nurse, I was quick to see that something was wrong with him. Three vet visits, medications, sedation, and blood tests revealed that he was F.I.V positive. and he had to be euthanised at the beginning of December. It broke our hearts, but we don’t begrudge paying the bills. Continue reading “Our November 2017 Budget – How Did We Do?”
Have you ever heard of ‘Sinking Funds‘? If not, then you may be wondering what are sinking funds? Your next question may be whether you need them.
What Are Sinking Funds and Why Do I Need Them?
Sinking funds are savings for expenses you expect to encounter, but don’t know when. They may also cover infrequent events that don’t occur each pay period, such as Easter.
When setting up your Sinking Funds, you have various choices:
Continue reading “What Are Sinking Funds and Why Do I Need Them?”
Last month I wrote a post called ‘Are You Within The Recommended Guidelines For Your Monthly Expenses?‘. It covered advice on the ideal allocation of income within a budget, as percentages. E.g. How much of your income to spend on housing, etc.
I thought you guys might find it interesting to see how we divide our money month to month.
Continue reading “A Peek into Our Monthly Budget”
What almost all experts will tell you is that before you decide upon any other saving goals, you must first be working towards building an emergency fund (sometimes known as a ‘rainy day’ fund). Continue reading “Why Having an Emergency Fund Will Help You to Sleep Better”
If you’re just beginning to learn about how money really works and are wanting to take control of your finances, you may not be completely clear about the terms that are used in the financial sphere. Hopefully, I can clear up one common cause of confusion; the difference between saving and investing. Continue reading “Bite-Size Guide to the Difference between Saving and Investing”
Are you confused by all the financial advice out there, telling you how much you need to be saving each month? I know that I used to be! Would it help to know if you are within the recommended guidelines for your monthly expenses?
Have you got into a spin about what percentage of your income you should be investing into a pension? You know, so that you’re not eating cold baked beans in your old age (unless that’s how you roll)?
Do you ever wonder if you’re spending far too much of your income on things you enjoy? Are you worrying that those items are costing you more than the actual price tag – like your financial health?
Continue reading “Are You Within the Recommended Guidelines for Your Monthly Expenses?”