Why should we Budget?

 

The numbers wont lie .......

Do you want to continue managing the finances so that you are checking the calender daily and hoping for pay day? Or do you want to develop the dicipline of avoiding debt and eventual chaos? It is very important that we focus on budgeting to prevent such a challennge in our lives.

Many of us may understand what being broke or cash strapped is like ...it is that temporary feeling until our salary gets to the account. I want to recommend that we make some changes to this and really pay attention to the budget.

What does a budget provide?

• a sense of control over your spending;
• an organized view of income vs. expenses;
• a framework within which to operate;
• improved awareness of the flow of your money during the month; and a
• method for achieving your financial goals

A budget is NOT:

• a straightjacket keeping you from spending the way you really want
• a plan you make and never look at again
• impractical
• unachievable
• a pain in the butt

Here's to crunching those numbers with no stress !!!

Every dollar counts

The Monthly Balance Sheet

With her notepad in hand and the monthly budget to get done, a mother's job is constant. We have to remember all the bills that need to be paid , grocery shopping , the school supplies and month end school projects that the children must hand in at the end of the school term.

It's really important to focus only on the essential items that are needed.  Difficult economic times have lead to many of us having to adjust our spending habits , reduce participation in social events and generally a greater appreciation for the NEEDS/ WANTS rule.

We deserve some occasional fun but must remember . every dollar counts!!!

Having a budget is a giant step toward building discipline into your spending!

Fashionista Mom.

How should mummy's dress up?

As a mother all eyes are on us. We do not get an opportunity to drop the ball and dress like our teenage daughter,  heading to the mall or club with friends . As ladies we must take on the responsibilty of setting examples ,and be  a role model to young ladies in our homes and those around us.

Dressing your age is important . Keeping up with the fashion trends and what's in may be possible but not always appropriate. Remember you might be the one lady in your neighborhood that the young ones might be looking up to. Keep dressing your age means feeling comfortable in your own skin and working with what you've got."