Tightening Up My Budget… Again

I’m one of those people that don’t really notice what the date is.  When I’m at work, I read it off the lower right hand corner of the computer screen and absentmindedly transpose it into whatever document I happen to be working on at the time.  Holidays and long weekends frequently catch me by surprise.  So it was an absolute shock to me when this morning I asked a co-worker what the date was and she replied September the 18th.  That’s right, September the 18th.  At first I thought she was joking. Continue reading “Tightening Up My Budget… Again”

Why I’ve Embraced Brown Paper Bagging It

When it comes down to it, one of the biggest money saving tips around you’re going to hear is “brown paper bag it”.  Stop going out for lunch.  You groan and weep a little internally as you see all those delicious and effortless meals going out the window.  And you go to the grocery store to load up on fixings for your favourite sandwich, and that bag of apples to go towards your vitamin fix, resigned to squishing into the back corner of the lunch room with all of the other sad workaholics who never seem to make it out of the place.  Continue reading “Why I’ve Embraced Brown Paper Bagging It”

Fun Without Money?

For those of you who have read my introduction you’d already know that I spent 7 years paying off divorce debt on one income, and for those of you who haven’t, you know that now.  Seven years is not a whole lifetime, but it is still long enough a time that you can’t just keep your head totally down and have no fun and no life.  Continue reading “Fun Without Money?”

The Positivity Project Challenge #2 – Creating and Building Your Slush Fund

FullSizeRender (3)

Slush fund.  Rainy day fund.  Play money.  Emergency stash.  Whatever it is you like to call it, we should all have one.  Why?  Well, apart from your savings and investments and any disposable income you may or may not have left after bill paying, you should have just that little bit tucked away that’s all yours, that you can forget about or watch grow, and know you have that little bit secreted away – again, all yours – to do with whatever you will.  Because you might need it for an emergency.  Because you never know what opportunities you may one day stumble across that you wouldn’t otherwise be able to afford.  Because you may decide one day a change is in order and can use it to fund a one way ticket elsewhere.  Because you may just want to buy that new holiday outfit you normally wouldn’t be able to.  Whatever.  The point is, it is a small rainy day or play money fund that you can build over time in small increments, that only you know about and have access to, to use in any way you choose when the right opportunity presents itself; something that you can build over time with just a small start-up and basically using found money, not having to draw – much, if not at all – from your household income.  Because we all deserve just that little bit of financial independence.  And especially for those living financially dependant upon a significant other or in a rocky cohabitation, it could turn out to be a lifesaver one day. Continue reading “The Positivity Project Challenge #2 – Creating and Building Your Slush Fund”