Emo The Emotional Elf .

My approach to budgeting is to simple not buy unnessasary stuff. Great in theory not so great in practice if you have limited budjet after all bills are paid. I don’t want to work hard to not get some small little pleasures in life.

I have really made progress in Paying something’s off. Still have a way to go, but definitely on the right track for a bit more financial stability. in the later part of this year.

I have been keeping an eye to make sure things are paid on time, keeping a regular soft credit check through my bank app.

Funny thing is I would love to get to point where I have back up money in bank for emergencies . and some savings they tend to happen often and leave me playing catch up.

I have managed to cut my food shopping bill a lot without going without.

I shop around for better deals, utilize reward points,

I decided to keep self marketing my book for now as that isn’t an expense I can’t logically or financial take on outside help right now.

We reuse or fix things ourselves rather then replacing wherever possible.

My next step is clearing the last of credit card and not having one. The thing about credit cards is it .They easy to max out not so easy to pay off. At 26.6 APR you kind of get a little stuck in a rut especially if your financial circirmstances change. they only really work to your benefit if you can clear it each month.I guess the biggest change for budjeting is mindset. you have to tell yourself to get your head out of the sand and deal with it.You ignore it, It doesn’t go away it just gets worse.

Changing direct debit dates helps to sometimes a small shift helps you keep on top of things.

Maybe sometimes paying in cash rather then tapping that card is easier to keep on top of things once your purse is empty that’s it with your card you tap and go those little taps add up quickly before you know it you exceeded your budget.

Well that it for now

Have a great time budgeting

Much love Faye