Editor’s note: This is one woman’s experience of budgeting with her family, not professional finance advice.
I like to make sure everything important is paid. And sorted. Before the due date. I know for someone who likes wine as much as me, you didn’t see that coming did you?
Here are my 10 tips to budget the sh*t out of life.
1. Do your research
Last month I literally saved $200 on bills by calling our phone, electricity and insurance providers and making sure they were giving me the best rates. They weren’t. Sh*theads.
I recommend everyone does this at least twice a year.
2. Write it down
I have weekly budgets on my phone in the notes section. My next six weeks are set out there. It says what money comes in and what money goes out. It doesn’t take long. What we earn and what bills are due.
I live by my notes section. Little organised yellow buddy. He’s the best.
3. Think quarterly
I also have a quarterly budget. It’s all the money that comes in and out quarterly.
Budget accurately. If you know you need $600 for birthdays a year, or $1000 over Christmas or $1000 for new clothes per year, budget that in.
It’s an extra $650 a quarter and if you don’t budget it it in it’s money you don’t have at the end of the year. Just sayin’.
I’ve been trying to get back into my floral crowning and have decided it will have to take a side seat. I’m definitely up for some custom orders and have been doing some through DMs but I am now focusing mostly on BLOGGING. I have a crazy life as a Mum to six kids- trying to give them the happiest and healthiest life possible without loosing my mind completely . If my MUM BLOGGING with the occasional flower crown and bouquets is not your thing, that’s absolutely fine!!! I’ve just had so many of you moving across to my blogging and I didn’t want to loose you all- after all most of you gave me the strength and power to believe in myself first as a home business Mum and now as a blogger- I hope you’ll join me in this journey- keep your eyes peeled for my mamma GIVE AWAY this week- it’s going to be a good one!!!
4. Price match the sh*t out of everything
Never just buy a large product. Ever.
Every single product I buy I price match the sh*t out of. Big W, Toys’R’Us, Bunnings Baby Buntings and Good Guys are just a few stores that price match.