nimdaxing
nimdaxing
In a previous generation, this used to be a question at your local grocery store, referring to what type of bag you wanted your groceries in. More commonly, today, it refers to what type of currency you are using to pay for the groceries! And bags cost extra!
So many of us use plastic cards today for all of our purchases! Do you ever have trouble keeping up with and recording the receipts? I do! Was it credit or debit? Can I find the date on the receipt? Can I find the dollar amount on the receipt? Have I recorded that receipt, especially the credit charges, so that, when that credit card statement arrives, and it will sooner than I want it to, I will not be surprised at what I am responsible for!
Ut laoreet sem urna, ut laoreet elit finibus eget. Nullam eget nisi at libero mollis feugiat non nec lacus. Vivamus facilisis quam quis ante placerat molestie. Suspendisse elit nisi, fermentum et accumsan sit amet, convallis eget urna. Nulla rhoncus elit nibh, eu accumsan leo molestie quis. Morbi vel lacus ut tortor rhoncus ullamcorper. Class aptent…
Have you had family members say, in passing, “I’m out of XYZ shampoo, and I need more tomorrow, please!” This often happens at month end when the budget has already been depleted! By posting this list in a visible spot for the whole family, along with your next shopping date, the accountability for empty items can be lifted off your back!
What is the best way to keep from overspending at the grocery store? Don’t go when you are hungry and always take a shopping list! This avoids breaking your budget on food items.
Why is it important? A grocery shopping list tells you what you need at home. If you don’t take inventory of your food supply before shopping, it is so easy to purchase duplicates of what you already have, not stock up on what you really need to complete meals until the next shopping trip and spend more than what you have allotted for the food portion of your budget!
balances in each and every account, including your sub-accounts.
Why? Depending on your banking institution, you may be charged for each account that reflects a negative balance. Also, being off by a few pennies may not seem like much, but if you don’t balance at the end of each month, later you may have to go through several months of bank statements to reconcile again. Not fun!
I really despise unpleasant surprises, especially when the credit card bill shows up. Have you ever faced the shock of receiving a credit card statement with “surprising items” on it? We have, and the best way to avoid this is to maintain a Charge Log. This form will, for the most part, eliminate those “unpleasant…
“If you measure something, you can understand it. If you understand it, you can control it, and if you can control it, you can improve it.” The same holds true in your monthly budgeting.
The reality is that it is nearly impossible to complete & follow a monthly budget without improving your overall financial position. There are several reasons for this, so I would challenge you to do this.
First, just developing a budget for yourself will raise your awareness of what you have for revenue or income sources and then also boost your cognizance of how much you are spending each month. Next, you will come to grips with the reality of one of three facts. Either you need to boost your income sources, reduce your outgoing expenditures or, thank goodness, if you have more income than expenses, you can then save some money. Of course, this is fantastic! You just need to determine where you will store or invest those extra funds each month…
Do you ever find that the more time you have, the easier it is to waste? Maybe that’s just me, but it seems, when a person stays home for a whole day,wouldn’t you think we would be able to get so many more things done? And yet, we think we have extra time, so we watch a TV show, take a nap, or work in the yard, still planning to get the same work projects done that day that were originally scheduled. Well, it hasn’t been working out so well thus far.
If you have not developed that Monthly Budget, then this conversation is for you! A “Bare Bones” Monthly Budget can start out quite simply. Here are the steps!
By the end of the COVID pandemic, I was fatigued! Fatigued with decisions! Was it “safe” to attend an event, or “not safe?” Can I travel this week? Do I need to wear a mask? What mask looks good/feels good today? And these were just decisions in addition to the daily ones, such as what do I wear today, what is the meal prep today, who needs my attention/to be checked on, what are outside activities for this week, what are my work tasks today? I am still recovering from that year!
“If you measure something, you can understand it. If you understand it, you can control it, and if you can control it, you can improve it.” The same holds true in your monthly budgeting.
The reality is that it is nearly impossible to complete & follow a monthly budget without improving your overall financial position. There are several reasons for this, so I would challenge you to do this.
First, just developing a budget for yourself will raise your awareness of what you have for revenue or income sources and then also boost your cognizance of how much you are spending each month. Next, you will come to grips with the reality of one of three facts. Either you need to boost your income sources, reduce your outgoing expenditures or, thank goodness, if you have more income than expenses, you can then save some money. Of course, this is fantastic! You just need to determine where you will store or invest those extra funds each month…