First and foremost, budgeting is a pain in the ass, probably the biggest pain in my ass.
Not that my ass experiences any other type of pain…
I don’t even know why I just typed that out, I sound very questionable right now. I have a bad habit of typing down whatever comes to my mind. But what I’m trying to say is that even though budgeting can be annoying and something you may not want to do, you need to realise that it’s probably the best thing you can do to help you save money and not over spend. Especially if you’re living pay cheques to pay cheque like me!
When you’re creating a budget, one of the most important things is remembering to be REALISTIC. Don’t create a budget that you can’t stick to, you’re just going to reach a dead end.
Being realistic with your budget is kind of like the term ‘Netflix and Chill’ – let’s be real now, we all know the real meaning of that and we all know there’s going to be absolutely no Netflix-ing or chilling. Unless you’re me though because when I use that term, I LITERALLY mean we’re watching Netflix. Don’t touch me, don’t talk to me, you can just feed me food. So be realistic.
Another example – creating a realistic budget is also similar to creating and sticking to a diet or workout plan. If you set unrealistic diet/workout goals or requirements to reach in a certain time frame, you’ll either break half way through, or end up hurting yourself…in this case, your bank account.
So before I quickly give you a list of budgeting tips, I’m going to tell you about fixed and variable expenses. I’m going to make this as short as possible because I know reading a long blog can be boring. #zzzzzzzzzzzz
Basically a fixed x amount of $$ you need to pay at a certain frequency e.g. every month.
Variable expenses are expenses that change or fluctuate according to the store prices, or how frequent you may need to make these purchases or payments. The list below are just a few examples, I’m not going to cover everything otherwise we’ll be here till 2020 when Trump is probably going to try run for Presidency again.
Lol…when you go from a period rage straight to parking.
Ok so here is a list of 11 things to take into consideration before you create a budget or whilst you’re budgeting.
Ok so that is all from me for now! I kept it short and basic because that's how I usually am. Well I think that's how I am?
I don't even know myself anymore now.
Thanks for reading and feel free to share this.
P.s the layout is totally messed up when you're reading this on your phone. The editing tools wont let me fix it. Ugh.
K BYEEEEEEE xxxx