So we are coming up to the end of the financial year, tying up loose ends, filing all up to date, ready to be archived.
Right.... and then I woke up and smelt the coffee, unfortunately towards the latter end of the financial year things have gone a bit pear shaped, so another one of my mid-year resolutions is to get more organised, and to try and get straight financially.
I'll be honest with you this year has been a struggle, living from one pay day to the next, and for a family of five, with a mortgage and loan to pay off it really hits home.
The things that you do learn along the way are lessons that money cant buy such as:
1. who your friends are - your real friends are the ones who accept that things are tight at the moment and wont pressure you or treat you any differently
2. How to cook properly - I have always (as far as I can- and I do have the odd slip up !) made meals from scratch, even on junk food saturday we make our pizza, but I have learnt how to cook more creatively with leftovers, making stock and making up stews, bulking meals out with more vegetables and freezing leftovers and also turning the ratio to putting veg on plate first and adding meat as a side dish.
3. how to budget, although we are paying off loans, - if we stick to our budget plan (pear shaping taken into account ! we still aim to have these paid off by mid next year, I have also found a great web site that has great advice http://www.moneysavingexpert.com/ advice and tips for claiming back any money due to you and up to date money saving coupons, and much much more
4. that any family can adapt no matter how young or old each family member is, you may have to explain in simpler terms but we try and explain to the whole family that there wont be any luxuries for a while and they seem to accept the small changes.
5. the wide variety of free activities that are available it may take a while to find them by searching various sites but the rewards are amazing.
6. Love of my family, as dramatic as it sounds - with my husband and my children by my side we are a team against the world, in times of crisis, be it financial, emotional or physical we pull together no questions asked, we as parents lead by example and if we manage to keep the family buyant then the kids are great.
anyway going back to my organisation for budgeting, in advance of 6th April I have, 2 lever arch files, one for wage slips/bank statements and the other for bills, a diary to write down any upcoming direct debit /standing order dates, 2 small notebooks (one for menu planning and one for day to day spending records) so we are all cooking on gas ready for the start of the new year and together we will do this - debt free future here we come hopefully - Ill keep you updated as we travel along this rocky road - wish me luck - Im going in !! x
Right.... and then I woke up and smelt the coffee, unfortunately towards the latter end of the financial year things have gone a bit pear shaped, so another one of my mid-year resolutions is to get more organised, and to try and get straight financially.
I'll be honest with you this year has been a struggle, living from one pay day to the next, and for a family of five, with a mortgage and loan to pay off it really hits home.
The things that you do learn along the way are lessons that money cant buy such as:
1. who your friends are - your real friends are the ones who accept that things are tight at the moment and wont pressure you or treat you any differently
2. How to cook properly - I have always (as far as I can- and I do have the odd slip up !) made meals from scratch, even on junk food saturday we make our pizza, but I have learnt how to cook more creatively with leftovers, making stock and making up stews, bulking meals out with more vegetables and freezing leftovers and also turning the ratio to putting veg on plate first and adding meat as a side dish.
3. how to budget, although we are paying off loans, - if we stick to our budget plan (pear shaping taken into account ! we still aim to have these paid off by mid next year, I have also found a great web site that has great advice http://www.moneysavingexpert.com/ advice and tips for claiming back any money due to you and up to date money saving coupons, and much much more
4. that any family can adapt no matter how young or old each family member is, you may have to explain in simpler terms but we try and explain to the whole family that there wont be any luxuries for a while and they seem to accept the small changes.
5. the wide variety of free activities that are available it may take a while to find them by searching various sites but the rewards are amazing.
6. Love of my family, as dramatic as it sounds - with my husband and my children by my side we are a team against the world, in times of crisis, be it financial, emotional or physical we pull together no questions asked, we as parents lead by example and if we manage to keep the family buyant then the kids are great.
anyway going back to my organisation for budgeting, in advance of 6th April I have, 2 lever arch files, one for wage slips/bank statements and the other for bills, a diary to write down any upcoming direct debit /standing order dates, 2 small notebooks (one for menu planning and one for day to day spending records) so we are all cooking on gas ready for the start of the new year and together we will do this - debt free future here we come hopefully - Ill keep you updated as we travel along this rocky road - wish me luck - Im going in !! x
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