Tag: budgeting

PERKS OF BUDGETING! (it’s not all bad)
mom life · organization · save money · Uncategorized

PERKS OF BUDGETING! (it’s not all bad)

classyclassicsbykandisLeave a comment

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!

PERKS OF BUDGETING! (it’s not all bad)

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…

classyclassicsbykandis's avatar by classyclassicsbykandis

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!

FACEBOOK:

www.facebook.com/classyclassicsbykandis

INSTRAGRAM:

www.instagram.com@kandisblask

MONAT: (amazing hair and skin products)

www.mymonat.com/beyondhair

Uncategorized

5 MONEY SAVING TIPS

classyclassicsbykandis1 Comment

Good morning and welcome back to Classy Classics by Kandis!

This blog is going to be fun, I am going to tell you about my top 5 money saving tips! When it comes to money, there is so many ways that you can save!

It also dosen’t seem to matter what the season is, or what month it is in play, there is always something that comes up.

Always a way for that money to dissapear!

When I had started my budgeting jouney, I had some of these in place already, some of them I had started to make a habit of, when we were diving into saving money!

These are my TOP 5 tips that I find can be the easiest to do, and can see some of the best results. They are also amazing as once you start using them you will continue to put them into play!

If you have not read the other budgeting blog, I would love to catch you up quickly!

When I had found ourselves in WAY to much debt a couple kids ago lol, I set out on how I could make our family not be living paycheck to paycheck.

How we could still have fun, make family memories, and still be paying off our debt. I sat down and did some homework, got some motivation, some reasurance that we could do it, and you know what WE DID IT!

According to Jordan Page ” you must live like know one wants to, to live like no body can.”

This is so true, and it can sting a bit.

However where there is a sting there is a bee, which means there is a flower, which means there is sunshine, which means there is a silver lining….. ALWAYS!

THERE IS ALWAYS A SILVER LINING.

So what are some tips that I live by?

How are these little tips going to help? These 5 tips are ones that I grabbed in the beginning, I have kept them as a habit, for when money gets tight… as it does still time to time, they are easier to follow tighter!

These will help, whether its putting them all in place, putting some back in place, or just following them a little better, they will help you save some of your money. So if your interested then lets talk SAVING MONEY!

1) MAKE IT

2) REUSE IT

3) FREEZE IT

4) SAY NO

5) MONEY FREEZE

These are my 5 TOP GO TO MONEY SAVING TIPS!

Remember these are the easier ones to quickly live by, to get the ball rolling to get your money on track!

Lets go throught them and talk a bit about them, how each one works and why I think its a great way to save money!

1) MAKE IT–

This one is easy, but time consumming depending on how much you MAKE IT! The easiest way to put this in place is in the kitchen.

However this one goes so much farther as there is so many things to make!

THIS IS THE NEXT BLOG COMING OUT IS MY MUST HAVE DIY’S.

If you can make it vs purchasing it, it will be cheaper… not always but MOST of the time. This is items like:

-make supper don’t do take out

-make the filling, pie crust just all of it, make treats snacks!

-make laundry detergent and fabric sorftern

-make sandwiches or a picnic for the city days, take your own drink with you!

-Make the extras instead of buying them, learn to can produce, make your own relish, jams ect

-make decor and gifts

This step is a BIG ONE as it can be taken as far as the eye can see. It will depend on you and what you are wanting/ willing/able to do to save that money. I have made or tried to make A LOT OF STUFF!

What’s your favorite thing to make yourself to save money?

2) REUSE IT–

This one can be very useful. This is a great one to start in the kitchen also! How much do you think you throw out from your fridge in a week!

One of the biggest money costs expecially in Canada is our food cost! Now, if you aren’t scheduling a night for left overs that can add up, there is many ways to reuse leftovers.

Have tons of potatoes!

Make a whole bunch of baked potatoes, there is baked potatoes, hashbrowns, twice baked potatoes, mash potaotes and then if you still dont know what to do with them… FREEZE THEM.

To reuse something is not only for in the kitchen when trying to save money!

Is there something you are ordering or going out to look for?

Hop on pintrest first is there a way to DIY it, is there a different item in your house you can reuse before making a purchase?

It does not have to be permamnent but temporary until you have the money to get what you were looking at! Instead of containers under my sink I had used before velcro strips and kids cups as extra storage!

TRY TO THINK OUT SIDE THE BOX AND REUSE WHAT YOU CAN!

3) FREEZE IT–

How much items do you put in your freezer! Almost everything that we buy can in one way or another can be froze. When I say to freeze it to save money, this is a great way to bulk shop some pricey items when they come on sale.

Make extra meals and label them pop them into the freezer and bam there is a meal when you dont have what you need to make something. To save time and money try to freeze extra foods, veggies in the freezer are great for stews or stirfrys, precook up meat and freeze it for easy access for another night.

If you have bulk chicken breast, cook them all up, toss them into your stand mixer with the dough hook it will shred it for you! Then simply cool completly and toss into a freezer bag and you have pre-made, pre-shredded chicken for any meal.

It does not have to be a meal that gets froze, but they are the fastest way to have something on hand, but at times having the ingredients froze can be just as handy.

4) Say NO–

This one is a easy and a hard one. However it can be a powerful one and it can work on many levels. With saying no this can be used big or small. Try small if you have some problems saying no to some purchases.

So try saying no to one thing a day.

Maybe you buy a coffee, each day so….. try to take your own, then with the change that you said no to spending put that in an envelope or TRACK it and at the end of the week see what you saved that week with saying no.

Another way that you can use the say no is for big expences, I will say now that it is not usually the BIG PURCHASES that will make someone stay in debt, its the little day to day ones.

Anyways back to reality with using it with bigger purchases try to wait to see if you REALLY needed it or was it a “fun buy.” If you still need it, the next time or when it goes on a better sale, as most things will filter through sales about every 3 months or seasonally… depending on were you live lol.

5) MONEY FREEZE–

This one I saved for the last, as most people don’t like to talk to me as much after this one HAHA. But, yes just as it sounds you are going to do a money freeze.

Now im not saying to go and pull out all your money to freeze your account, that is pointless and DON’T TO IT.

I want you to acually just don’t spend money! If you have a twitch then think serious lol put that card out of sight.

When starting with a money freeze don’t start long, this will not work. The magical thing about this is it is YOUR card can it can be done for any amout of time.

This can be done for a afternoon, 24 hours, how about 3 days, all the way up to 2 weeks. It is possible when you know how to do it to work for you!

Don’t know if you can?

YOU CAN!

Put that card/s in the fridge, put them right into the freezer, put them under your matress. Going to try for a longer period and don’t know how! Try doing a pantry and/or freezer inventory, make a meal plan, you will feel more confidnet in your money freezing time frame.

My favorite is a 3 day or 72 hour freeze. I feel 3 days is a great time frame to save MORE THEN YOU THINK you would, use up a bit of stuff that has got shoved in the back.

Remember these money tips, are just ways that I find really helped time to time, when I find our expenses are just getting a little out of hand. They are not forever…. but, with these they are all easy to keep doing, whether you are in debt or not.

Saving money is a day to day thing these days, but if you get into the habit now, these 5 things can help in what ever the money situation is.

Saving money can be hard, if it was easy then everyone would!

What do you struggle with the most when it comes to money!

Mine was the little stuff here and there. The walmart stops with no list… that kills our wallet.

There will always be something that we want, but when times are tough you have to be tough.

Ask yourself before you buy it:

– DO I NEED IT

– IS THERE A PURPOSE FOR IT

– IS THERE ROOM FOR IT

– CAN THE PURCHASE WAIT

These little steps, just as the money saving tips are just little ones that can make a big difference.

I hope you enjoyed this blog on MONEY SAVING TIPS!

If so, make sure you like it so I can keep making blogs on these topics.

Have a money saving tip?

Leave it in the comments!

Lets work together to help each other succeed!

Dont forget to subcribe to get noticed on new blogs every week!

Stay tuned for next week’s blog

ABOUT SOME OF MY FAVORITE DIY PRODUCTS!

Till next time have a great day, and a wonderful money saving weekend!

Want more!

For more day to day posts—

Follow me over on:

Instargam: at— @kandisblask

AND

Facebook: under— classyclassicsbykandis

Uncategorized

BUDGETING ENVELOPE TO KEEP YOU ON TRACK!

classyclassicsbykandis1 Comment

It doesn’t seem to matter, where I go or how I get there money is involved. 💵

When you are trying to save money whether its just a little bit or to budgeting extreme, it seems like there is more that one wants to buy when you know you can’t, or like me and everything in my house seems to break down at once!

Hi and WELCOME to Classy Classics By Kandis! ☕

If you are new to the blog go ahead and follow, sign up with your email to get notifacations on new blog posts! 📰

I hope you will enjoy this blog about budgeting with some idea’s and tips that I find can really helps.😁

I started budgeting many moons ago, my hubby and myself had found ourselfves in way over our head in debt, when I had decided to change the ways we spent our money trying to get us out of debt these little tips and tricks of tracking and following were what had helped! 🐾

When it comes to money, tecnology is not everyones friend. I am a straight up work better with pen and paper kind of girl! I just recently started being able to do e-transfers and check my account on line lol. 👩‍💻

When it comes to spending money, do you track it?

Do you know in advance what you will be spending and where?

When it comes to budgeting big or little you must know WHERE YOUR MONEY IS GOING!

Did you read the budgeting blog? ⏪

Start there and come back to this… So you are looking to save money!

Have your budget all set out for the month? 📆

I say a month in the beginning as most (expecially with 2020) are getting paid once a month. This is how I get paid, and most payment and bi-weely or monthly! 📅

RIGHT!

Ok still with me? 🤣

Great! 👍

Lets start the actual blog then before I loss you haha.

For the budgeting envelope that is all you need an old envelpe and a marker! 🖍

GOT THEM?

What you are going to do is with your envelope make a line down the middle, and then make 3 across to that you have 4 sqaures down on each side of the line!

MARK YOUR MONTH ON TOP! ✏

Each sqaure is a week, so go ahead and mark the weeks in the corner of each box. This is how you will break down your month for spending as week to week is less intimidaing then a whole month.

With the other blog, it showed you how to find your budget for the month! With your set budget for “spending” you will use this with the envelope! 📩

You can use cash or still use your debit either was KEEP YOUR RECIEPTS!📬

On the first row that is representing the first week, put your gorcery/house budget here, then on the other side of the line put your budget for “other” here.

Now as the week happens as you are using your budget as you put your reciept into the envelope, go ahead and subtract your cost of what you spent on the amount you have on your budget.📈

With this you can take money from your “other” square to your “grocery” and other way but DO NOT TAKE FROM THE FOLLOWING WEEKS! You are trying to save money not borrow week to week! 💰

Lets do a little example:

Let’s say you did your budget ok and it’s:

💲400 grocery 💲200 other 💲600 bills

JUST SAY

So breaking it down there is $100 per week for groceries and $50 for other per week!

There was a sale so you took $125 for the first week, so now you would have $25 for others for the rest of the week.

But, maybe with that sale you know will only spend $50 for groceries the next week. Now there would be $100 for others on the next week if you roll over the weelly budget. OR You can take any money you did not spend that week if you can and put it in for EXTRA debt payments! ⛵

The point is NEVER “borrow” from the following weeks, it will keep you in the snow ball effect, this is not how to get ahead! ☃️

If you are being diligent and keep your reciepts in the envelope when you spend the money, at the end of the week, or the month… however works better for you, this is how you can track ALL YOUR MONEY!💰

This will allow you to see where you over spend. If you go and get a treat everyday even att only $4.00, do that for a whole week and you spent $30.00 on that ONE TREAT! 🍦

STAY TUNED NEXT BLOG IS ABOUT MONEY SAVING TIPS! 🙄

Now that we have talked about the envelope it’s time to put it into action! 🎬

Take it with you, EVERYWHERE!

Put it in your car, purse, put your cash or card in it and take it with you! This is a easy way to track all your money!

When you purchace something determine what side it would belong to, and when your reciept goes in subract the amount and DON’T OVER SPEND! 🚫

No one wants to put things back at the till, or throw it out when you didn’t use it. ♻️

I hope you enjoyed this budgeting blog, give it a like so I know to make more blogs like this one. 👍

THERE IS MORE BUDGETING FUN COMING!

Hit that subscribe button, get notifications when a new blog is up. 🆓️

Let’s get that wallet and budgeting dreams going.

2020 has been hard, but with some hard work it can still be a good year!

Want more?

Follow me over at:

INSTAGRAM: @kandisblask

OR

FACEBOOK: Classy Classics By Kandis

Until next blog, have a wonderful day, a budgeting weekend, and a perductive week!

Uncategorized

FINDING YOUR BUDGET!

classyclassicsbykandis1 Comment

Hi and good morning?🌅

Birds are singing, sun is shining and we are talking MONEY!💲

Have you checked your account today? Do you keep your receipts? Do you track your money to see where it is going?

I ask so many questions because money seems to be a fast moving thing (2020 or not). It seems I am spending money everywhere that I go these days. ⏸

Let me start with a little bit about myself and how I think I can help you get out of debt! Years ago my hubby and myself were in debt! Lots of debt, living paycheck to paycheck, with two kids at the time and we were just getting deeper and deeper into debt! That was that I had enough and I didn’t want to be in so much debt, not making it foward in any acounts!

GUESS WHAT!

We changed it, we had to change the way we lived, I got my big girl gichies on and set a budget! 👩‍💻

Oil patch had crashed, I am a stay at home mom, life got tight, the budget got tight! ⛈

But……..

GUESS WHAT HAPPENED!

YAP!

We did it, roughly 4 years down the line we were out of a TON of debt.

NOW!

Why am I saying this why am I back doing this?

Fast foward life a little and here we are now with 4 kids, new dreams, new goals and new DEBT. 🌠

Not debt like before goals and dreams building debt. It is one of the easiest habbits to fall out of, I think.

So back to it I go!

NOW LETS TALK BUDGETING!

1) TAKE YOUR MOST RECENT BANK STATEMENTS! 💳

2)GET HIGHLIGHTERS 🖋

3)HIGHLIHT YOUR INCOME, AND THE AUTOMATIC PAYMENTS (MORGAGE, INSURANCE ECT) 📅

Using hightlighters will allow it to be fast and easy when seeing what is coming in and out for what reason. Simply make a color code on the top of the bank statement, or in your budgeting book or paper! (Having this on hand when doing the outline will help.) 📆

EASY!

Now this is where you figure out your starting budget…. Take your income and subract your no wiggle room payments.

Where are you starting in the green or red. 💲

When you have the “fixed payments” written down,now you need to go though your monthly bills. 📚

These are a little more flexable month to month.

I say this as you can put more or less on each month…. I am working on credits on ALMSOT all my house bills. (I do this for seasons that are tighter… HOLIDAY months) The house bills that I refure to is bills like the gas, power,water etc. ☃️

NOW WHERE ARE YOU!

If the money is still not easily accounted for this is where reciepts come in! For a minimum of one week keep your receipts, this will allow you to filter threw them and track a little more of the money. 🔎

This will let you see how much money is going into “other catagories.” 📑

FOR EXAMPLE:

-GROCERY

-FAST FOOD

-PITT STOPS

-ALCOHOL

-SMOKES

-GAS (feul)

-“PLAY” MONEY (CAUSE I DON’T KNOW WHAT YOU DO HAHA)

So…..

Now take your trusty highlighter and color code your catagories agian… 🖊

but in brokedown ones….

like the examples above.

Where there is money going have it tracked into a sort of catagoy for you to filter through and cut down…. we will get to this step shortly!

This is a more consuming part but it will have the most impact I promise. 🗂

Now that you have all of your money sorted, NOW WHERE ARE YOU?

GREEN OR RED! 💲

You may need to make cuts, you might need to live a bit moe frugal for a while! However it will be WORTH IT in the end, your MONEY will be WORTH it! ✂️

Now that you have your outline done, money coming in and out it’s time!

If you are in the RED you need to know how much extra you need to make, or how much you will need to cut back to make everything balance out!

How fast do you realistically want to be out of debt or be caught up on bills, or BOTH!

How much money goes into each space? 📧

How much do you want to cut out? ✂️

How much do you NEED to cut out? 💵

The kicker is know one wants to cut back, know one wants to not be able to spend money!

REALITY!

The more you work at it the quicker it will be paid off! I am not saying you will fly out of debt, I am not saying it won’t take time and hard work! I am saying that it is possible.

You will have to make cuts, to make it easier to put money in for bills and debt. Look where you can stretch your money! 📈

So, where can it be cut:

-grocery bill

-play money

-take out

ETC

It will get harder before it easier, it will be hard but its not forever!

If it was easy everyone would be saving money no problem!

What do you stuggle most about saving money? Comment below I guarentee you are not alone!

Like the blog, make sure you hit the like button so I can make sure to do more budgeting posts.

Don’t forget to follow the blog to get noticifations on NEW BLOGS!

WATCH OUT FOR THE NEXT BLOG! IT’S A FUN ONE ABOUT USING A BUDGETING ENVELOPE AND SOME OF MY TOP MONEY SAVING TIPS!

Till next time have a great day, and a wonderful money saving weekend!

Want more!

For more day to day posts—

Follow me over on:

Instargam: at— @kandisblask

AND

Facebook: under— classyclassicsbykandis