Why your budget should be your friend


What do we have to do to get you to realise that having a budget is not restrictive? It’s just a plan to make sure that the money you earn is used to its fullest capacity.

Of all the people we have seen over the years, not once have we ever told anybody that they ‘can’t have this’ or they ‘can’t have that’. 

Most times, when we sit down with people and have an open discussion about their hopes and dreams and their money – we find that they tell us what they need to do to achieve their goals.

And for many of these people, they tell later us that they find their new ‘money plan’ to be quite liberating. They also tell us that they can sleep at night again, and that they no longer dread the arrival of the postman; or sound of the phone ringing.

If you’re like most of our clients, you’ll not really have any money worries. You’ll be getting paid each week, and you’ll be managing to get all your bills paid on time. Sometimes you’ll have an unexpected expense, but you’ll be able to juggle things around to cover it.

But one day, something will “crop up” – like the dog needing extra veterinary care; or the car needing a major overhaul; or maybe the little maintenance job on the house becomes a major expense. Suddenly, you find you’re not able to juggle things around to cover the cost and you either can’t afford or don’t want another loan. The thought – ‘how am I going to pay for this?’ keeps going around and around in your head.

If you’re like most people you’ll wait till ‘one day’ happens before doing something about it.  But if you don’t like nasty surprises and you’d rather not be making money decisions under duress, then you’ll make some plans now.

Either way – you’ll need somebody to talk to. We’re only here to help.




©  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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