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."

What not to wear ....

End of year Functions and Dinner Parties

It's that time of the year again. The time when us ladies are preparing for the December events on the office calender. It may simply be the end of year event that says dress code .....elegantly casual, or formal for the department gathering.

I have seen some folks take this description to a new level or just missed it entirely...so here are a few pointers on how this can be followed.

 

It's surprising, but true: People really do need reminders about how to dress appropriately when they mix business with pleasure. This is particularly the case if you're a new employee or a manager trying to put your best face forward at a holiday office party this year.

The key word in 'holiday office party' is 'office,'", It's still an office function and you are still an ambassador of your company." Here's to an enjoyable office event ! Dress nicely .

What's for Lunch?

Moms should eat healthy too....

Choices for Lunch?? Are there many?

So you have taken on the task of choosing to eat healthy. This healthy plan must now include a healthy breakfast , along with a healthy lunch. But after you had that pretty light breakfast that included a fruit and smoothie ....now a light lunch no way! Oh the struggle.

Ladies today we will take on the challenge together with some suggested lunch ideas for both the children and for you to incorporate into those busy days.. These ideas are quick, easy and most important they are healthy .

 Good Lunch eating !!!

Entertainment

Keeping ourselves in the know

A great show or restaurant  hopping should definitely be on the agenda after those long work weeks that go by . I am always happy to catch up on a good soap opera or even go to the mall. Some things to do.....

1. Grab some popcorn and have a movie marathon.

There's something about a movie and popcorn that just never loses its charm. Find movies that you enjoy and just forget about the rest of the world for a couple of hours.


2. Go on a shopping spree!!

There's no real  entertainment like retail therapy or shopping for all that you want and really may not need (lol). But life is too short so we must have fun.

3. Head out for some heavy duty pampering at a spa.

Let's face it, you could use a good massage. Take this opportunity to de-stress and unwind after a long day or week. You know what they say, you're worth it and we sure are!!

Hobbies and Activities

Fun activities with the Family

Family Fun !!!

To keep the young ones entertained and having great fun , parents should get creative . Those vibrant minds must be entertained . Some interesting ideas such as cooking, outdoor trips, and baking etc...

• The little miss or mr would be happy to get those hands busy baking bread and cupcakes.
• You can create family potraits from photos in the album, the children will get a chance to look over old pictures and capture great memories.
• A trip to the zoo and a movie can be another exciting event too.

These types of activities really help with bonding and building stronger relationships as a family unit.

Hobbies and Activities

Fun activities with the Family

Family Fun !!!

To keep the young ones entertained and having great fun , parents should get creative . Those vibrant minds must be entertained . Some interesting ideas such as cooking, outdoor trips, and baking etc...

• The little miss or mr would be happy to get those hands busy baking bread and cupcakes.
• You can create family potraits from photos in the album, the children will get a chance to look over old pictures and capture great memories.
• A trip to the zoo and a movie can be another exciting event too.

These types of activities really help with bonding and building stronger relationships as a family unit.