Financial focus month week 5: Budget for the Whole Year

A little while ago I showed you how my annual budget looks like. In today’s post I’ll share with you how to create your own one. It’s simpler than you think! Let’s start with the same basics you would start any shorter term budget. You can do it on paper or in excel or any other programme by the way, whichever you prefer. Draw a … Continue reading Financial focus month week 5: Budget for the Whole Year

Financial focus month week 3: No Spend Week

Welcome to the week 3 of the financial focus month. Today, we are starting a no-sped week. It’s easier than you think. Actually, if you have ever been broke you probably already know how to do this out of necessity. I am doing a no-spend week because: Christmas was expensive It’s nice to keep some money in the pocket Ain’t nobody got time for mindless … Continue reading Financial focus month week 3: No Spend Week

The cringe-worthy cash envelopes

Before I explain what the cash envelopes system is all about, let me say that I don’t actually use cash. Nor envelopes. That little detail has not stopped me from applying the principles governing the cash envelopes method in how my own everyday spending is managed. If you are wondering why this rather obscure sounding approach to paying for stuff has been gaining momentum on … Continue reading The cringe-worthy cash envelopes