It’s time for me to share with you our April 2018 budget report.
April was, for us, a month of heavy spending, but we found opportunities to be frugal and find lots of money-saving ways to reduce our expenses.
As we’d planned most of our expenses, it didn’t feel bad to be spending so much, though it still makes me gulp when large sums of money (again, they’re large amounts of money to us!) leave our bank accounts. Continue reading “Our April 2018 Budget Report”
It’s time for me to share with you our March 2018 budget report.
I know I say it every time, but I’m always so shocked when yet another month has passed. The first quarter of this year has vanished!
March was a month of financial ups and downs, but with careful spending, we ended the month with two home-delivered pizzas (via an online deal, naturally!). Continue reading “Our March 2018 Budget Report”
Hi, budgeteers! Here’s a new post about budgeting: ‘Easy budgeting for overwhelmed or lazy people’! Does that sound like something you could use?
I’ve already written one in-depth post about budgeting, but it was quite detailed and gave lots of options.
The thing is, I’m still getting people telling me they need advice on budgeting. Continue reading “Easy Budgeting for Overwhelmed or Lazy People”
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”
It’s time again for me to share with you our monthly budget report. Can you believe it’s now February? I’m sure time moves faster as we get older!
From a financial point of view, January can be a difficult month. Excesses in Christmas spending and a spike in credit card borrowing can leave many people feeling the pinch when January arrives. You can change this, though.
Continue reading “Our January 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?’
‘Saving’ money (definition No 1)
There are lots of ways we can ‘save’ money, and by that, I mean reducing how much money we spend on purchases. Continue reading “The Difference between ‘Saving’ and SAVING – How We Lie to Ourselves”
Happy New Year budgeteers! Are you ready for some better money habits for 2018?
There’s nothing like a fresh year to form new and healthy habits. That includes your financial health.
Continue reading “Happy New Year! Better Money Habits for 2018”
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”