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Improve my finances


 

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  • Santa Cruz
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    CarlyReid is tired

    Budget 5 months ago

    I have done the best budget for Jan and I am sticking to it really well and should survive well this month. I tweaked an excel spreadsheet and added some formulas so that I can include how much of the budget is already paid/spent and then a cell to compare this to my actual bank balance to make sure it is all on track. Feeling much more secure now i know what I can spend the $ on. Eg dont have to worry if I will run out of money for groceries etc..much better peace of mind yay..dont have to stress every time I get the wallet out bc i know I have enough for the things on the budget.



    CarlyReid is tired

    Budget 5 months ago

    Today I did an online budget planner to see my situation more clearly.
    January only and also a generic monthly one to use, with all expenses for the year split by the month, as I am paid monthly.

    This hopefully will help me have money for the things that need to be paid as a priority and then be able to track how much i need to put aside for bigger bills. and general expenses..
    Next task-Increase the income!!
    Need to organise that boarder ad.



    CarlyReid is tired

    ahhhh 6 months ago

    This year i really need to improve things on the finance front.
    ways to do this

    • find a boarder
      *Speak with Manager at work about progressing-and challenging myself more
      *Do more teaching work on the weekends/continue to learn to help with this
      *Prioritise spending, only spend on things I really enjoy (besides bills hehe)


    Untitled 10 months ago

    I’m trying!



    updating this goal... 16 months ago

    I opened a savings account with my bank with an beginning balance of $100. That’s a positive first step. I plan to put $200 in with each paycheck, but that won’t always be possible. I’ve decided that if I can manage $100 with each paycheck, that would do just as well. The main purpose for this account is in case I run into financial emergencies and I can’t work. I’m still trying to pay off my credit card debt, but that will take sometime.

    Last night, the girl and I blew too much money away on a night out with friends. I’ve got to watch myself on this, and budget my excessively fun nights so that they are few and far between. I don’t want to get caught wasting money like that again. We are spending more time at home cooking, though, and that is a healthy way to offset those fun nights out.



    money 16 months ago

    I want to improve my finances by a) saving more, b)gaining more work skills, c)career changing, and d) just being better with money in general.

    goal specifics:
    keep a spending/saving journal
    open a savings account
    ask for a raise or get second job
    take the steps to go back to school/ switch careers
    eating/cooking at home more often
    spend less/save more/ do more with less
    pay off car
    pay off credit card

    I will consider this goal “completed” when I see myself retaining a healthy portion of my income every month for a period of six months.



    Better finances 18 months ago

    I want to have better control of my expenses and save more!



    Getting this to be part of my life 23 months ago

    So good to feel in control and not ostrich like. I can keep on top of finances – as long as I make them part of my life.



    YES 23 months ago

    Pretty much on target – have slipped a few days with bills, but thats still so much better!



    This I have to do or else 1 year ago

    I need to get a grip as I can’t keep burying my head in the sand. Even ostriches come up for air! Ok so this is what I’ll do:
    Do one small thing each week;
    Week 1: Do the MOT, and pay Council Tax.
    Week 2 Go to the bank and change details to maiden name so I can pay in some cheques.
    Week 3 Fill in CB form and contact the insurance company about my claim.
    Week 4 close old married account.

    The main thing is to NOT use the phone so much. Restrict to one expensive call/week.



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