Being broke sucks. I know, I’ve been there.
Budgeting when your broke might seem impossible, but the truth is, you need it more than ever if you’re short on cash. You literally cannot afford to go without a budget.
If you hate the word budget, turn it around and rename it to a spending plan. You’re going to spend your money (that’s what it’s for), so let’s make a plan to spend it with well thought out intention.
Think back to this time last year.
How have things gone? Are you still in the same tight spot you were a year ago? How about 5-years ago?
I hope you’ve seen progress in your life. If you’re moving forward, let’s keep that momentum going forward. If your stagnant, right now is the best time to get your engines cranking.
New Year’s is a great time to reflect and start setting goals we’d like to accomplish. But it doesn’t have to be New Year’s Day (or even a Monday) to start setting and working on your goals.
It’s time to stop procrastinating and start working on your goals today.
Here are nine things you can do to kick start your financial goals.
Living on a variable income is like living on a roller coaster.
There are highs and lows and it can be hard to predict what’ll happen next. Some months earn more than others, but even on the low months you still must pay the same bills.
Examples of variable income jobs are those that are self-employed, entrepreneurs, commission or tips based jobs, or seasonal work such as construction or teaching.
This can make it a little difficult to budget, but not impossible.
It’s more important than ever to create and live on a budget when you have variable income.
There they go again ...
Your kids just outgrew their clothes, didn't they?
And it's only been like two months since you bought their last pair of jeans, am I right? (Or close?)
It's kind of not fair. I think the last time I bought myself new clothes was like 10 years ago!
Clothes can be expensive, and kids grow out of them quickly.
An obvious solution to save money on kids clothes would be to buy used clothes at a thrift store.
There are some pros and cons to buying at a thrift store, so you may want to buy new clothes for your kids. Sometimes cheap kids clothes are ... well, cheap.