Four Tips To Help Overcome Fear of the Budgeting Process : Our September 2016 Budget Report

  STOP ALLOWING FEAR TO GET IN THE WAY OF YOUR FINANCIAL PROGRESS   If you need help budgeting money do yourself a favour and don’t just “try” to understand how the budgeting process works without experiencing how it will and can affect your life. This is the problem with people who think budgeting is a joke and not needed, they place negative thoughts in their mind from the start instead of motivational action words like, “I will”. Not everyone needs a budget especially if money is not a concern for them. What I like to focus on here though is how much money they could be saving or putting towards other matters instead of spending without warning. So for example, if you spend $400 a month on groceries from a high-end grocer where you could get the exact products at a lower-priced grocery store why wouldn’t you do that? Take the extra cash you save and invest it, donate it or buy extra food to give to the food bank. My point is that we waste money like it’s water when we can conserve it and put it to good use. You don’t care? That’s fine too but don’t […]

Why you don’t have to be Budget Poor to Live a Frugal Life

YOU DON’T KNOW THEIR STORY   Living a frugal life doesn’t mean that you have to be budget poor because many people are frugal shoppers no matter how much they earn. If we spent all of our energy worrying about what other people should or shouldn’t do we wouldn’t progress as well as we should in our own lives. Why? Because time wasted on things we can’t control makes no sense. Oddly enough this is what people do sometimes when they don’t have motivation to do better, are jealous of other people or simply like to complain. Jealousy typically boils down to money or time and if you are someone who has too much or not enough you are going to hear about it from someone at some point throughout your life. You either have too much money to do what you do or too much time to look as good as you do. I’ve overheard people talk about someone who spends money buying nice things but the fact is, maybe they CAN afford to do so. Why are you judging them? Is it because they earn a good income and you don’t?  That’s never fair. The same goes for […]