Budgeting for a fabulous 2015

Budget

Money, or often our lack of, is hardly the most glamorous of topics but as it’s a new year maybe it is time for a new start in the financial area of my life. Our monthly budgeting usually goes like this:

Him: “Have you spent much money this month”

Me: “Hmmm, no I don’t think so (genuinely forgetting every purchase made), we should be able to put a fair chunk away in the savings account”

Him: “Why’s there $1800 on the credit card then?”

Me: “Errm, I’m not sure. Ok, I won’t buy anything except food and petrol then this month”

and repeat…. Every month.

So, I’ve been scouting the internet for some real, useable tools to support my financial focus for 2015. As much as an excel spreadsheet delights my soul, I tend to get bored after about 2 weeks of complicated entry and management systems and my once-loved document languishes until I have a clear-out of my computer’s files and folders.

Planning the budget

  1. moneysavingexpert.com has a great Budget Planner but even better is the explanatory narrative and bullet points beforehand to keep you on track, giving you a better understanding for precisely why you’re doing it
  2. If you haven’t heard of him, Dave Ramsey is the American God of Budgeting and Financial freedom. He has some great online tools and a whole host of information on his website
  3. For those of us that don’t have shared bank accounts with our partners or who live in houseshares billpin.com is a great app for managing split finances and payments
  4. Mint.com is the bells and whistles, all singing and dancing budget tracker. It links all your accounts and lets you set up monthly budgets, establish financial goals and sends bill reminders!

I hope these are truly helpful and I wish you lots of budgetary success in 2015. I’m considering starting a direct debit for the Euromillions as that’s the only way I can think that I’ll be financially free to buy all the clothes I need!

Lucy

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