It’s all about choices

Whether we realise it or not, our whole life is about choices – do I or don’t I?; will I or won’t I?

As adults we get to make choices every day, starting from the time we awake. The first choice is about happiness – will I be happy today or will I be unhappy? The very next choice is about whether to get out of bed or not.

When it comes to spending money – you have a choice as to where and how much you spend. Of course, there are some obvious necessities that require your money such as rent and utilities. But even then you have a choice. You can decide where to live and who will be the supplier of your utilities.

Spending money on personal activities can certainly be very pleasurable. Not only can you choose what to do, where to eat or where to go but also with whom you share that time.

Having a budget is also about choices. Whether you use one or not is your decision, just as sticking to the plan is a matter for you to decide.  As part of your budget plan, you get to choose where to spend your discretionary income (that is, if you have some left over after taxes and personal necessities).

People who say they don’t want to be restricted in their self-gratification spending will always object to a budget plan. However, they are correct when they say that “it’s their money and they can do what they want with it.”

That’s their choice.

But if you choose to spend all your money and then later feel regret for decisions that you’ve made, then you have only one choice to make –

  1. accept the responsibility for your mistake and start again; or
  2. blame it on somebody else and bellyache about it forever.

Whatever you decide, you always have a choice.




(c)  Carmel McCartin – Budget Bitch

And don’t forget – (The views expressed in this blog are the personal opinions of the author. Don’t rely on them to make financial decisions, you have to make up your own mind. If you don’t like the content – then either stop reading or send me an email)

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