How to budget my money better,how to get yourself out of severe depression,mantra meditation techniques pdf - How to DIY

admin | starting exercise program | 02.01.2015
Have you ever taken time to work out where your money actually goes each month, and what could you have saved and made better use of ?
So many of us live from one pay day to the next, hating the last few days of the month as we have run out of money, or what about those that never seem to have enough for treats and even to save for emergencies or rainy days? How come some people never seem to have to worry about money – NO MATTER HOW MUCH THEY EARN?. How can we make our money go further, make it count better in our lives, and not have to worry so much about it?
I really recommend this book if you are struggling with working out how to make more of your money, as it puts everything into perspective, and shows some very imaginative ways of really living on ?365 for the year.
It sounds so easy, but for many of us we have no idea of what our incomings and outgoings are each month. If you don’t have a firm grip on these figures, then how do you know whats left to spend on the other stuff? We all have different incomings and outgoings, and however much or little you have, you can still make the most of every penny and make it count. Remember too that people who have more money coming in more often than not have much larger houses with much larger outgoings as a result – so you may be better off than you you think!
The trick is to not worry about what you haven’t got, but simply make the most of every penny that you do have. If you know what you have to spend each month, then you can work out what you can really afford, and cut down accordingly.
What if your car broke down and needed some work doing, what if you were out of work for a while, what if your child needed extra money suddenly for a school trip etc….. If you budget what you can each month into a savings account – and keep this as a fixed direct debit into another account – then you will go someway to protecting yourself against the unknown. Make savings part of your fixed outgoings as they are just as important as a mortgage or childcare and should be treated as such. Emergencies do happen – and you have to work out the best way to minimise their effect – as the last thing you want to be worrying about when the worst happens, is money. When you create your budget, be realistic with yourself over what your fixed costs really are. Its about being clever with your money, spending as little as you can on the necessities, and minimising the luxuries so you get the balance right.
Why not try cutting back for a while, or simply using more of what’s in your cupboards for a while and see what a difference there is on your bank balance.
Another big budgeting issue for some can be the big spending parts of the year – Christmas is a prime example. Do you always find yourself struggling in January, and paying back credit cards well into the new year? Christmas is NOT an emergency – it happens every year – as do birthdays and holidays.  We know that we need to spend at these times, and therefore they should be budgeted for throughout the year.


Ideally we would all put something aside each month so we have enough to pay for these items as and when they occur – but realistically this isn’t always possible as there’s simply not enough in the pot.
We can also find that we get swept away with the event itself, and end up spending far more than we can afford, and that’s when the trouble starts. I also buy presents for people when I see them on sale throughout the year – keeping them for that persons birthday or Christmas – that way you get a bargain and the recipient gets something they love – everyone’s a winner!
Thinking about the big events of the year well in advance can really have a big impact on your budget, and you will be a lot more prepared in the long run. If you struggle to keep your spending under control, then I find that using cash rather than a card really helps to make you more aware of your spending. At the start of each week take out enough cash to cover your budget for that week – and only use this money. That way you will see very clearly how quickly you spend it, and you will become much more aware of your spending as a result.
Its all too easy to walk out of the door each morning without any preparation for the day ahead, making spending much more likely.
If you can leave the house a little more prepared then you can still have these things, but for a much better cost.
As part of your supermarket shop, add in multipacks of crisps, cereal bars, a large bag of nuts that you can split up into smaller bags etc…. Just make sure you have everything you need for your day with you when you leave the house. Make sure you do everything you can in each place you visit in the day to save money on petrol – why take 2 trips in the week to the same place if you can avoid it?
We’ve all heard this before, but have you ever actually saved your pennies and seen how quick they can add up to substantial amounts?
When its full I count it up and bank it into our savings account – and its usually around ?30-?40! So, you’ve got a grip of your outgoings, and know what you need to earn each month to keep on top of them, but going an extra step may just help you even more. Look at all the bills you pay and see if you can get them for less elsewhere – often we are spending more than we need to because we haven’t looked into other providers for a while.
Can you use a cash back website such as quidco, or get points if you spend on a certain card?
As with diets, you won’t stick to a budget if its all negative on a day to day basis – you need to feel that you get a treat every so often – and its the same for budgeting.
To be able to stick to a budget for the long term, you need to be able to treat yourself every now and then. Make sure you have some money somewhere for a treat, whether it be a weekly small treat like a magazine or a beauty product, or a large treat like a holiday – if you consciously treat yourself every now and then, budgeting will be a breeze!
The nice side to budgeting also means that you will be more aware of your spending, and hopefully end up with more money at the end of the month for treats or savings – what could be better than that!


So – you have now got more of a sense of what your budget should be, and what you have left each month.
Sticking to what you can afford, minimising your outgoings and maximising your incomings can really transform the way you think about money.
Whether you have lots or just a little to play with, its about maximising what you have, while ensuring the emergencies and special events are also catered for in advance.
I hope that these tips help, and look forward to hearing about ways that you save money too!
A new article in The Atlantic dissects the information in a new government BLS report 100 Years of U.S. Scott, I see several major items missing from the chart: Retirement savings, daycare, and college savings. The Healthcare category alone is enough to call the rest of the data into question for me… I know most of the cost is paid for by employer insurance, but even the cost employees contribute to the premiums has been skyrocketing! This is a fascinating topic and of course it is really hard to have perfectly accurate answers and especially those that satisfy everyone. It would be cool to see how the definition of family, spending and savings has changed over the past 100 years.
Another thing… I think that the percentages mask the fact that one income was supporting the spending before, while now it is commonly two incomes. Take away the total outgoings from the total incomings and then you will know whats left – however little. If you have any budgeting tips to share then please leave a comment below – I would love to here what works for you! Could it be that “other” is money we spend on the government in the form of taxes?
If you add these items up, that is roughly 30% of my take home pay (and this does not include the payroll deduction for my wife and I’s 401k).
It’s interesting that our entertainment budget has more than doubled over the past century. This is an independently-owned site and all opinions expressed are my own and have not been reviewed, approved or otherwise endorsed by anyone else.
So often people assume that they have to budget for things like this, and then wonder why they end up in the red at the end of every month.



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