Week 5 – April 30th, 2018
There are many ways to budget – as many as there are people, I suppose – and they all have their advantages and disadvantages. Most months, I use a basic spreadsheet. This has the advantage of being quick and accurate and easy to use. Some months, though, my budget is hastily scribbled on a piece of paper and added up in my head. This has the advantage of being free and not depending on my having technology to hand. Occasionally, my budget is done in my head, hastily, on the hoof, right before I pay for something. Because I realise at that moment that I have not yet got round to doing it. That has no advantages at all.
I strongly recommend that you don’t repeat my crimes against personal finance. Make time to budget – by whatever method works for you – before it’s too late to seize control of next month’s spending. Read How To Budget, Part 1 if you want advice on how to get started.
On a completely different note – how about the easiest bit of spring cleaning you will ever do? For a couple of years, the Tartan Family regularly threw out clothing, towels, even bedding that was in perfectly good condition. Why? Because they stank. In spite of repeated washing, they had an unpleasant mouldy odour. They started out fragrant (if a little grubby), went through the machine, hung up to dry… and then were haunted by a whiff of such fustiness we couldn’t stand them. Out they went. I am not, as you may have guessed, a person who relishes throwing things out and spending money on replacements. I am happy to report, though, that I did eventually figure out what was wrong and our washing is now whiff-free. If you want to hear how spending a few seconds – yes, seconds – spring-cleaning can banish bad smells from your laundry, read Spring Clean Your Washing Machine.
I will be back next week with a fresh Thrifty Habits Planner and a recipe for goey, chewy, chocolate cookies. Freezable snacks for pennies in only a few minutes.
Free, Downloadable Thrifty Habits Planner To Keep You On Track
So, you want to get into the habit of spending less without putting in more effort? You need something to remind you what to do and when, so you don’t have to keep thinking about it. The Thrifty Habits Planner is a simple tool to help you do just that. Use it to pencil in which thrifty things you plan to do this week and to pin yourself down to when you plan to do them. If you take control this way at the start of the week, you are far more likely to have stuck to your plan by the end of the week. Sticking your plan up somewhere you will see it every day helps you to stay on track too.
Take time at the end of the week to give yourself a little treat as a reward for your thrifty efforts. Little splurges will actually help you to stay thrifty – read this to find out how.
I will be back next week with a fresh Thrifty Habits Planner, instructions to make deliciously fragrant luxury candles and a recipe for Apple And Custard Cake. See you then!