A couple of weeks ago I got an email from a fellow blogger I follow. It seems she wrote an article about why she included cigarettes in her budget. It seems her husband is a smoker and has been for many years. To keep abreast of their budget and expenses, she includes the cigarettes in their monthly spending plan.
Well, she got a ton of backlash from the post, so much so she felt the need to include a video trying to explain away the confusion brought on by the post. People felt the need to not only criticize her husband for being a smoker but started berating her as to how on earth they could afford cigarettes if they were living on a budget. People wanted to know if she was struggling or not? Was she broke or not?
I guess nothing much has changed. People still believe that budgets are for only poor folk.
Budgets are for everyone. Rich, poor and somewhere in between. Budgets are useful tools which allow you to have a thorough understanding of where your money is going. It's also one of the best ways to ensure you're saving money every single month.
So do you have a budget?
If not, I'd like you to think about what your hesitation is in creating one? What's holding you back? Why all the resistance to a tool that will improve your financial circumstances?
You come to my site and are part of this readership because you want to learn something about how to master your home and money. Budgeting is the tool that will help you with the money part.
I've written extensively about this. Maybe one or more of these articles will help you to finally give in and let go of the resistance that's been holding you back.
Today's feature article tackles this issue head on. It's my hope it will have you seeing budgets and developing a spending plan in a different light and give you the motivation to get out your paperwork and get planning!
After you read these articles, let me know if there's something you want me to write about or elaborate on in an upcoming article. I'm always happy to hear from you!
A word of encouragement: Doing your first budget can take some time. It's nothing that can be whipped out in 30 minutes. You'll forget lots of things in your budget so make sure to read the article above on what not to forget. Take a break if you find yourself confused or frustrated. Just take it one step at a time. Eventually, budgeting will be as second nature as breathing in and out.
If you have questions feel free to send me a note.
Have a great weekend!
P.S. ThredUP (an online consignment shop) has brought back their $20 for $20 promotion! Sign up through my special link and you'll get $20 credited to your account to use on your first purchase of $25 or more. Then start referring your friends. Every time one of them signs up under your link, you'll get $20 added to your account. I've been helping clothe my grandson with the money I earn from ThredUP! You can too!
Why oh why do people think that living on a budget means you must be broke?
Can’t we get past this idea that living on a budget or having a spending plan means you cut coupons, barely get by, and are stressed out by your finances?
Listen up folks, nothing could be farther from the truth and here’s why.
Change Your Mindset
Look, I understand that the idea of living on a budget for some people is equal to going on a diet. Diets have nasty connotations to them. What immediately comes to mind is “I can never eat ice cream again.” And so when you think of a budget like a diet, you end up with all the negative feelings. You start thinking, I’ll never be ablet to do anything fun, I’ll never take another vacation, I’ll have to eat tuna casserole every day for the rest of my life.
Did you finance Christmas on a credit card this year? If so, you're probably starting to see the bills roll in. Maybe they're what you expected and maybe they're not. Either way, here's a quick and easy way to start putting money aside for next year:
Did you know there are countless sites out there that will pay you to shop online? But I have one that 's my absolute favorite site! I get paid more here than any other site. You need to start using Ebates immediately any time you make an online purchase. I save hundreds last year and used that money in part to finance Christmas. You can too!
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