Who Said Budgeting Should Be Painful??

If you are a professional with an average salary who ideally has two streams of income, you should know this:

Spending and dieting are similar. It is not sustainable to set unpractical limits on how much food you can eat or not eat, your finances are the same. As your instinct for survival takes over to prevent harm, stop feeling bad about how much you are spending on your daily coffee.

I found the statement from some" financial guru" ridiculous, to expect individuals to invest first (they call it paying themselves first, then settling other expenses). Life is too short (4600 weeks if you live to age 85). Why should you not enjoy life today, as there may be no tomorrow?

Without getting too philosophical, if you want to create a realistic, lasting budget plan, attempt to figure out what brings you and your loved ones the most joy and try to centre your budget around that. For example, if you are a fun seeker who enjoys travelling, set aside money for your holidays, of course within your means. However, have self stains on less important things for example buying ostentatious apparel, fancy cars, or other upscale personal items, latest technologies included,( if they mean less important to you).

Additionally, we ought to make an effort to shop locally since this strengthens our economy by promoting small businesses and aiding parents in their efforts to provide for their families.

If you are looking for an efficient budget plan and cash flow management, feel free to ask our office to send you a customised budget plan template. Remember, when it comes to your finances, there is no cookie cutting.