Tag Archives: finances

Getting Back on Track – The Budget Belle

15 May

So, it’s mid May. I turn 30 in six months and two days. After starting off with great gusto, I’ve somehow managed to get midway through my 29 Lives challenge having only achieved seven lives.

I’m not going to beat myself up about it (though I have been of late and a tweet received tonight congratulating me on my blog concept almost tipped me over the edge). Sometimes life gets in the way of the best laid plans.

Truth be told, I’m happier than I’ve been in a long time. Work is going well, my social life seems to have taken on a life of its own and, after seven years as a self-confessed singleton, I have a boyfriend! I’d cheat and put that last one down as a tick off the 29 but I’d only be lying to myself if I pretended this was something I sought out in any kind of contrived fashion; happily, it happened when I least expected it.

But enough of the sentimental stuff, let’s get back to business. If I’m going to have a hope of hitting my 29 Lives target by November 17th, I need to get back on track.

I’ve been thinking a lot lately about my lifestyle and the changes I need to make to get where I want to be. I’m back to tracking what I eat with Weight Watchers after letting things slip a little of late and it got me to thinking – things are a lot harder to ignore when they’re there, staring back at you in black and white.

I’ve always been terrible with money. I’ll never be rich because I have my money spent before I get it. My mum says I’ve been like this since I was a child. I’ve never had the patience to plan and save – if I want something, I have to have it and I have to have it now. But that has to change.

As I approach the big 3-0 I think it’s time to man up, take charge and accept that life is not always about the here and now – there’s a little thing called the future that takes a bit of planning for. In the short-term, another of my goals before I turn 30 is to try living on my own. If I want to do that, I’ll need to tackle this ‘spend now, worry about it later’ attitude I seem to have adopted.

It’ll not be easy but first up, I’m challenging myself to document everything I spend over the next two weeks. After that I’m going to set myself a weekly budget and, crucially, try to stick to it. I’m not going to become a hermit or anything crazy like that but I am going to try – for the first time in my life – to take responsibility for my finances. It’s about time.

Any tips welcome!

P.S. How awesome is this piggy bank I spotted on homedesigndecorating.com ? Must resist temptation to buy it, or something similar…

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