Organised_planning

Are you thinking about starting a budget? Do you know the basics about starting to budget? or maybe you just want another persons perspective. Either way, as always ill be sharing my personal experience as well as well as a TON of research. For me personally, it took me a while to get used to a budget and figure out how one should look. Its safe to say I'm a perfectionist and it took me a lot of trial and errors.  First thing you need to think of if of course, your goal(s). This is something you're aiming for so it can be as big or as small as you would like. Remember its YOUR goal. Now you have figured out your goal and what you actually want to do all this for, you need to write out all of your income. This includes everything(I don't include my variable income eg. overtime, side hustles etc) Then it comes down to your essential expenses, the outgoing's that don't change each month. For example: Monthly bills, Rent/Mortgage, utilities, Fuel, Groceries and so on. A...

The system that tackles your budget. I'm sure we've all heard of Dave Ramsey. I hadn't until I started watching 'cash envelopes'  videos on YouTube and got recommended to listen to him a year ago. I binged his YouTube videos and done plenty of research and started his envelope system for myself. A lot of people still don't know or understand how it works.  First of all, you're probably wondering what the Dave Ramsey's envelope system is. To put it bluntly, its an easy way to keep track of exactly how much money you have in each category for the month by putting your money into envelopes. If you're anything like I used to be like, going over in category's(mine was groceries and eating out). Taking the money you have agreed for your budget out of the bank and putting it in an envelope will keep you accountable. Then when you go shopping for that certain category you can use just what's in your envelope.  How? Think...

I don't know where to start!  Where's all my money going? how do I start a budget? it seems so complicated.  I've heard it all before and trust me, that was me. sometimes you don't realise how much you're spending on the 'little things' and that's how I used to be too, I had the mentality of 'oh it wont hurt to buy this', 'another takeaway wont hurt' etc. So, I wanted to keep this short and sweet and just get right into it. I have put together a list of 10 things which I personally cut down/out to help me kickstart my budgeting journey. *YOU DONT NEED TO CUT EVERYTHING OUT, THIS IS JUST WHAT WORKS FOR ME* TAKEAWAYS/EATING OUT Eating out and takeaways add up the quickest. on average, 2 people in the united kingdom spend £118 on eating out/takeaways a month. Two of the main things which have helped my family cut down our eating out bill is 1) limiting our takeaways to ONE a month so you are still able to have that treat. 2)substituting some...