It’s not easy keeping track of where the household budget goes these days, so I’d like to show you how you can do it EASILY by applying a modern take on a very simple and easy to use age old method that will allow you to have every bill covered before it has even arrived and still have money to play with at the end of the day.
It’s simple, money comes in, and money goes out. It doesn’t take a rocket scientist to figure out that what comes in needs to be more than what goes out.
What it does take though is an organised, determined W.O.M.A.N (that’s you) who is committed to taking control of her finances and making them work.
It’s simply a case of planning ahead; knowing what is coming in, what is going outand of course being prepared for it.
To do this my Mother and her Mother before her used an old coffee jar to put money aside for future bills.
Look familiar?
But these days there is a much better, more modern coffee jar that everyone with a computer can use, and it’s called a………
SPREADSHEET
Sound scary? It’s not.
Using a very simple and VERY effective spreadsheet means you will never need to write a list of this weeks expenses ever again. You will be amazed at how easy it is to simply fill in the blanks on your BudgetMum spreadsheet with all of your own information, then watch as instantly the spreadsheet does the rest.
By following such a simple system you will always know how much money is coming in, when it is coming in, where it is going and when it’s going there. And of course, the most exciting thing will be when you see how much money you have left to play with at the end of each income cycle.
SERIOUSLY
You won’t believe how much easier it will be to plan for all the fun things in your life without ever feeling guilty.
Because guess what? You CAN now afford to!
One thing though before we begin…
Establishing a budget and sticking to it is not always easy, you need to be determined to take control. Once you develop the discipline to regularly consult your spreadsheet BEFORE making a financial decision, before popping into the shops on payday and seeing a new dress, a discounted book, the cutest little baby outfit you have ever seen………….an absolutely fabulous pair of SHOES!
Don’t do it.
Go home, enter it in the spreadsheet, and see how that unplanned purchase will affect everything you were planning towards……..BUT THEN, who knows, all your discipline could mean a pleasant surprise. By being prepared you may find out you really can afford that fab pair of shoes afterall, just not until your preadsheet approves ok.
Oh, and the feeling you will get will be one of such satisfaction because you won’t feel guilty because with a little help from me and my spreadsheet, you will be in control.
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