Category Archives: advice

How to Budget, Organise your Money and a live a Financially Healthy Life

Change how you view and spend money

If we earn more than we need for the necessities we should be saving consistently. This is sometimes a struggle for some people because of the relationship they have fostered with their money.

It’s not enough to pay all the bills then spend what is left. Organising what is left after the bills are paid is a apart of living a financially healthy life. This is why having a budget and following it is important.

We are never too young to start saving for retirement.

We are never too healthy to save for illnesses.

We are never too securely employed to plan for rainy days.

Catch my drift? It often takes a mind shift to start budgeting, sticking to it and putting away money for the future (near and far). The money we earn is not merely to pay our bills and feed our temporary wants.

See what you earn as a necessary ingredient to help you attain different goals – debt free.

Organise your Budget in a way that gives you Freedom

Find what works for you.

Having a lean budget where all wants are not catered to does not work for many of us. It isn’t realistic.

Adjust savings targets for different goals as time passes or just because you want to.

Budget in your treats, the things that help you to live and enjoy yourself. A budget is not something to cause stress. For example, I budget for recreation every month because that is important to me. This may look like going out to eat with friends, doing so alone, going to an event and things of that nature.

Also put away something in the miscellaneous category because stuff comes up.

Reconcile your Budget as you Spend

Keep track of payments, all of them. Everything from gum to rent/mortgage. Line up all the items and check that what you plan for is what you are spending. This becomes habitual with time. I like to do this after paying each bill. I also use cash for things like groceries, lunch and utilities. I keep them in their own envelopes and return whatever is left after each transaction.

Using cash for some purchases may help to keep you on track. Some people use credit cards to get points I know. The goal should be to use it within the confines of what is budgeted and pay the sum off each month.

Develop the Habit of Saving

You truly pay yourself from what you earn by putting aside some money into savings. Each amount you add to your savings, helps you to develop this healthy habit of saving. This habit contributes to a financially healthy life. As I said in the opening, if you earn more money than you need to cover the necessities, savings should be a priority. Budget for savings.

At first it might be frustrating and if you are a spender you may be tempted to just use it all. A good way to motivate yourself is to have a list of short term and long term goals. Write down a desired amount to save over a period of time. Make it something like a challenge for yourself. You can put this on a poster or app and have countdown each pay period. I believe that once you start meeting different gaols you will become addicted to this practice.

Budgeting is something to talk about with families, friends and others. Share the value of this habit and help others to live financially healthy lives.

Don’t Get Caught up in Social Media and Lose Yourself

How many times do you watch a Youtuber share an item and find yourself searching somewhere online for it? I have even gone into a store looking for said item.

I have gone down many a rabbit hole and wasted money because someone or a number of people spoke glowingly about a product. To be fair I have also had good recommendations.

They key is to know what is useful and to ignore the rest. This isn’t easy because many of us humans are visual people. Yep, this can affect us without us really even being aware of it.

I mean we may become uncomfortable with our bodies, our wardrobes, our jobs and so on and so forth. I think this is a major issue for young teens, who are trying to find their identity. It also affects us adults because we all want to present our best selves out in the world.

We must remember to guard ourselves and not lose who we are amidst the trends and influencers on the different social media platform. Unhappiness with who we are and what we look like among other things, can creep up on us and overwhelm us.

This is also true for those of us who create content through blogs, videos, photos etc. It is easy to get caught up in doing what other successful creators in our niche do, just to chase success. Remember why you started and keep reminding yourself.

Would I like to make money from blogging? Of course!

Is this the only reason I blog? Of course not!

Will I learn from others to showcase my pieces better? Probably

Success for me with this blog means posting regularly and editing posts. It’s true, that’s enough for now and probably for a very long time. This is freedom for me because I have a job that offers me a salary that covers my needs, wants and whims. Moreover, I love said job and serving my students.

When I look at my blog stats and see only a few people read my blog and fewer comment, I sometimes catch myself getting anxious for more. I then mentally smack myself into remembering my goal (see above).

Social media is great. The different platforms offer so much to both creators and viewers. I like that we have so much to choose from and that so much knowledge is being shared.

We would do well to remember to carefully monitor and manage what we take in and reflect on how it affects us negatively. It’s important not to lose ourselves through what we consume and over consume on social media platforms. Remember most people only show a perfect snapshot of themselves to craft that narrative for viewers. Proceed cautiously.

Encouraging yourself when Life gets Rough

Life sometimes gets rough and it feels like there is little hope.

Recurring or chronic pain, ill health, financial woes, relationship problems, job loss and a myriad of other afflictions blithe our way.

When life gets rough how do you cope and even thrive despite your circumstances?

As a woman who believes in the healing power of Jesus – whether it’s for my body, finances, relationships and so on – I, of course cry out to God in prayer. The circumstances often don’t change but my response to them do. This is essential because things do get better. It may not happen on our timetable and our ideal of better may not be what happens.

Good friends and family members are essential in these times. Their presence, an encouraging word and their prayers help me to know I have a network of people who care about me. This is fodder to give me reason to push on. This is why it is important to water your relationships.

It is ok to cry and feel down for a bit. Staying in that frame of mind is defeating. Life is best lived as an active participant – in the good and bad times.

Be present for others in their rough times and help them to get through. We ought to live lives where we give and take and give and take – balance is key.

There is also nothing like some upbeat music to rock to and have that give you a ‘pick me up.’ I believe moving and activating your happy hormones is important. It helps to distract oneself for a bit when life gets rough. Read a good book, sleep, get out and have some laughs with friends.

Another good way to tackle the negative feelings that often accompany rough times is to think ahead. I enjoy envisioning when the rough patch passes. I make plans, write them down and pray over them. In this way, I am looking ahead instead of staying fixed on the present. Also it helps to look back and reflect on how you have overcome other rough patches in the past.

Prepare yourself mentally in the good times for when life gets rough. Some patches are way rougher than others as we know. Resolve to live life well in the good times to balance things out. Tell yourself that you can be joyful in all states and pursue this – yes it’s easier said than done but worth pursuing all the same.

Stay away from negative people.

When life gets rough, encourage yourself again and again and keep fighting. It is true that,”Anything worth having is worth fighting for.”

These Responses to Someone in Crisis do More Harm than Good

“That’s so sad.”

“Oh my God!”

“I am so worried for you.”

“That’s awful.”

“I feel bad for you.”

“That’s horrible.”

“I feel your pain.”

I am sure there are others. Saying this to someone sharing his or her struggles and hardships is actually very insensitive. Sadly, this is often an automatic reaction. It is very discouraging when it comes from someone you are close to.

Give someone a hug, rub his or her shoulders, be still with them and let them lead.

Some people are too quick to mouth off without allowing their brains to process the context.

If someone is grieving the last thing he or she wants to hear is how you feel. Learn how to be there for others while tamping down your feelings? Ask them how you can help and listen.

I know we all feel helpless in times of crisis and just want to soothe our loved ones. Sometimes silence is golden.

Have you ever shared some really devastating news with someone and hear him or her blurt out something that just adds to your hurt? It’s just awful and instinctively you just want to get away from that person and avoid them.

It’s a good reminder to assess a situation and to think well before we speak.

Some hurt can’t be soothed with words. This is why I like just hugging someone going through a hard time and just being there.

Be encouraging by say things like the following:

“Let me pray with you.”

“I am here for you.”

“How can I help you?”

Don’t be that person who blurts out something just to say something when someone shares his or her problems with you.