Hello and good morning!
How was our week last week? Did you get a chance to catch last weeks blog! I will leave it linked down below!
I have not shared a lot about why I budget! The story behind it! The struggle and downs of it! Last weeks was a little story time of why I started to budget when I had!
This weeks I wanted to bring out some brightness to budgeting! There is many reasons why budgeting is often thought of as a long draining task! There is always the bright outline to it but, I find that it is ofter repeated of those top benefits! There is so much good things that come out of a good budget and many will have you always have a type of budget!
The reason, the drive behind ones reason for budgeting will change! With that the outcome will change too!
Budgeting is a lot like our routines! It will not always look the same for everyone!
Yes, the outline, the basics will be there and usually close to the same for almost everyone! The deep part of it all will be different because it is your budgeting!
THE BRIGHT SIDE
When I had started thinking of budgeting it was not a positive inspiration! I knew it would pay off…… hopefully….. one day…. right?
I feel this is how many people start for feelings when they think of saving money! This is because you have made a life style that you like, or that maybe you striving for! If you live out side of your budgeting then it will add up, but we usually don’t notice this until we are in too deep!
This doesn’t have to be the case!
You don’t need to be in deep to start saving money, and it does not have to be a horrible time consuming no fun time!
The bright side to budgeting is that its your budget! Its your goals and your savings!
The bright side is you can be in control of your money and not have your money control your life! It won’t be forever however, I can tell you that when you actually start and you start seeing results and start having money again it can get to me fun almost addictive to see how much you can save!
It may turn into something that you will never stop budgeting or trying to save money, setting different money goals! Just like any goal when you get the hang of it it’s worth it all in the end!
When it comes to setting your budget and goals you can set your own speed! Reach the finish line when you wanted to!
When I was pulling us out of a flipping butt load of debt I did it as fast as I could! This was HARD! Everyone was on a spending limit on really everything!
You want to know something tho! When I had a talk with my family about the money changes that were goin to be happening everyone was ok with it! Yes, there was some days where it was not much fun, it was hard and sad! But, I explained what we were doing and why!
THE OUTCOME CAN BE AN AMAZING FEELING!
After a couple years! YES a couple years my husband said that he wasn’t sure how well it was working and maybe we should drop the “budget” and so you know what happened! I sat down with him and we re-looked at our debt! We checked in with ourselves if you will and you know what happened next? We kept going because looking at the debt that we had started with we were almost done already!
YES! You read that right we were almost out of our debt already! Now years sounds like a long time however remember we were in debt for THOUSANDS of dollars!
I remember opening our mail and looking at the statements and having such a overwhelming feeling of accomplishment! Like I said money is an addictive thing! I have never heard of someone who does not like money or who does not feel like they want more money!
The reality is the world revolves around money! This is a crappy aspect about being an adult but it is true!
When you find your budget and get comfy in it you will soon see just how much you may of been spending on well absolutely nothing!
These are things that I will be talking about throughout this money but, yes the reality is that probably half if not more of what you were spending your money on is nothing!
I hope you are getting excited about saving money this month!
I sure am!
If you are looking to save some money, maybe try to track your spending maybe, you are wanting to save for something new and exciting! I am here to say:
YES YOU CAN! YES YOU CAN DO IT!
Lets get our money and budget under control!
I would love to have you come along with these money saving blogs this month! Make sure you follow the blog for LOTS of money saving tips and tricks!
I also have some other daily posts and tips over on facebook and instagram!
I will have links for them down below!
MONAT: (amazing hair and skin products)
Hi good morning!
I hope you all had a wonderful week! Did you happen to catch last week’s blog about holiday prep?
I have been slowly very slowly starting to think about my Christmas prep and in between all of that I still need to try to get Christmas presents and not go broke for food and bills still to come!
Does this sound familiar at all? I find the holiday season it’s either all or nothing it comes in big bulks of everything all at once with a flipping bow on top!
Through the last couple years and adding a couple more kids I have learnt that there is definitely some budget-friendly things that I can do around the holiday season that really nobody’s going to notice miss or argue over!
I am here today to hopefully give you some positive vibes when it comes to holiday season!
Some of these things I put into full force through the years that we were pulling ourselves at a dead tons of debt, you guys and you know what though we did! That’s not my story here today but oh, I have kept some of these budget-friendly tips and tricks in my life and I don’t know if I will ever let them go now!
The first but I have to say is the most important one for holiday season is too
SET A BUDGET FOR PRESENTS!
This one can be done as detailed or as little as you want but the more detail in the more budgeting that you set out the more success you will have at the end! It can be hard not to just go and grab whatever toys you think whoever is going to watch and toss some of the cars but you know what reality check is if it’s all about budget sorry it’s out of the budget! If it’s in the budget and that’s the only gift at the kids going to get well then you have to make a choice oh, nobody said anything was fun or easy especially around the holidays. So one of the first things that I do is to set out of budget for presents.
PLAN YOUR FOOD AND TREATS!
This is something that I find really creeps up into the budget without overly expecting it! I don’t know why I don’t expect it every year who just keeps going up and up and up so not getting cheaper and just like everything around the holidays who didn’t get much cheaper just like those toys aren’t cheaper! So, I like to sit down and figure out what you were going to eat and when. What are you going to have Christmas Eve, Christmas dinner, what cookies are you going to make what desserts are you going to make! I like to do this because then I can see how much I have in my pantry maybe you can go off of your treats and food from just what you already have and just do fillers! If you have recipes that you were wanting to do it is usually so much cheaper depending to make your treats your cookies for the holiday then to go and buy from the store! Maybe you don’t beg at all that’s okay most baking that you can buy almost all baking that you can buy you can freeze. This is where you need to start looking for these goodies on sale ahead of time and freeze them for the holidays. I guarantee you nobody is going to know if those sugar cookies came out of the freezer the night before or if you had made them.
PLAN YOUR WEEKS!
This is something that does not see important until it is! When doing this I find it is good to break up your week to how you would for your house! So, I mean if your weeks are a typical Monday to Sunday then that will be how it is broken up! However, not everyone does! If your week ends on say a Wednesday because of shifts or what not then that is how you will break your week up! This is too make your weeks more productive not to try to do more! This is to allow you to figure out not only the items or baking supplies or whatever it is that you’re doing that you need bit, also allows your to find a time to do it! Hopefully with less stress and chaos! This will help save money because, if you have the time to prep and the time to do it you will be less tempted to just go out and buy what you were going to do okay. If you have a time scheduled to make sugar cookies you will more likely make those sugar cookies vs going out and buying some!
USE CASH BACK APPS!
I have heard of all sorts of different cash back apps that you can use! I do find it harder to find one that you can use in Canada. There might be more maybe I just didn’t look as hard as what maybe one could LOL but, they are out there! They are wonderful apps who doesn’t want money back for shopping? And I do use one maybe that’s why I’ve never really dove into finding more because there is one that I used and it works and it’s awesome!This year why not make money buying Christmas gifts!
Try Rakuten! You get money when you sign up, and then you get money when you spend your first certain amount! Double money starting up and using it. They pay you a check every quarter of the year and all you do is sign into the website and they have thousands of stores that they have partnered with that you get a certain percent cash-back when you purchase something online! I use this every year Amazon orders and kick myself in the butt because I forget to use them all through the year and not just at Christmas. I will have the link here and at the bottom of the blog!
FIND THOSE DEALS!
Christmas time it seems got the prices go up and then they kind of seemed on sale and then they go again! I find this happens through months of Christmas prep! Everything is starting to get a little better price, and then you have Black Friday and Cyber Monday and then it seems like everything goes back up in price the last couple weeks if you really need it before Christmas! Don’t worry about not getting something as soon as it is out! Depending on what it is mind you! But, most of the time you can shop around and find a little better deal if not the same price! Something that I have learned is to look for the shipping and how fast it comes! If you are in a store use a app to look for better deals in the area! I used to use the app flip! This allows you to price check an item in a area instead of driving to the stores to price check! Use the sale days black Friday and cyber Monday are times that I will try to get some hard to find or pricier items!
Those are some of my holiday saving tips that I have found really help me out around this time of year. This time of year gets hard all of my kids birthdays in the winter we have one in December, two in January and one in February so winter gets busy and expensive fast.
Do you have some Christmas shopping advice?
I would love to hear how you keep a budget intact for the holiday season.
Do you start your shopping early?
Do you do it all as close to Christmas as you can?
Make sure to head over to one of my social media pages to follow along for the Christmas fun that is going to be occurring in my house. I love Christmas I find it a very fun holiday for the kids and it’s a great reminder to be adults to just have fun. This is something I have to tell myself all the time not to make myself crazy over Christmas, Christmas is all about family and the love and being together and for some reason I still stressed like a crazy pig LOL.
I tried to post your daily tips and tricks cleaning motivation In This Moment In Love with life over on my Facebook page. Make sure to head over and follow the page, I also will have an Instagram link so I don’t use it very much but it’s there. I will also have a link of for Rakuten at the bottom and a link for monat there is also some really good Christmas deals happening over there too.
I hope you are having a great day I hope you bought some fun times planned over the next few weeks!
Until next week
have a great day a wonderful weekend and productive week!
Bye for now!