Are you a spender or a saver? I try to have something to save, but I also love having all of my available money put to use. My mum showed me some ways I could maximise my money, saving on my bills by being organised and choosing how much to keep as a buffer, and how much could be employed elsewhere.
I work full time and have done for most of the last 9 years give or take a few seasons of sparsity.
I don’t envy folks on Universal Credit. They have no way to increase their income, it stays the same. As a worker you are able to do as much overtime as you can cope with. So often if you see the weekly outgoings exceeding income, well, then you do another short or long shift to top up.
I went to a few property and investing type seminars, even some business workshops. They told us not to think of money as a dirty word, and that you need to work with it, to get results.
One of my friends is more ‘live for today’, as she doesn’t think she’ll be here for ages, but she’s very strong minded too, so who knows, she may have more time to save for than she imagines. I like to prepare for tomorrow and do the best with today’s opportunities.
How about you?
Tag Archives: Budgets
Managing Stress 1
How do you approach stress, or are you suddenly having a stress attack?
I’m trying a few strategies this last few months, here’s what’s helping me.
- I’ve enjoyed some time gaming, I was fortunate enough to buy a second hand gaming console and having some screen time where I’m not on emails or connecting with anyone particular, I have found helpful.
- Breakfast socials with friends or family. Well it’s cheaper to have someone else cook and heat the place isn’t it?
- The gym. It is becoming less of a chore, more of a leisure pastime. I’ve even increased my time in the building from 17 minutes to 29!
- Writing, I still find writing in a journal with pen a good way to let go of thoughts which are bothering me.
- Staying in touch with friends by phone when the distance is too far with travel costs.
- Trying to be more assertive, and leave more moderate feedback about things I am concerned or interested in.
- Having enough jumpers, extra joggers and blankets
- E-learning – I was amazed to find my job has many modules which I hadn’t used which could help me find better work options.
- A budget
- Actually I tend to blow my budget frequently, so more acurate recording of expenditure and income is helping me manage better so I know when to save for bills like rent and utilities.
- Relying on our government to resolve things….
I’m having realistic expectations here. I expect to be entertained by the governments shenanigans
What about you?
Local Eviction Protest and Party
I left the block at 6am to get to work. Saw a council worker arrive and cones put onto all our parking spaces.
He said the council is suspending the parking for three days.
What happened was people moved the cones onto the pavement.
It feels like a strange way to spend the council’s money.
Then the council replied to say it was because they are working with Vodaphone on something so the parking needs to be suspended.
Probably something to do with 5G and radioactive telecoms.