Clearing clutter out of your home can make you more organized and can simplify your life. Clearing away any unnecessary items can also help you find happiness. The same concept goes for your finances. By clearing out financial clutter, you can decrease financial stress in your life. Save time during tax season, and get a better grip on your personal finances.
You need to have a system in place and create a routine for dealing with your financial clutter. I have found that my organized office simplifies my finances, reduces stress. It helps me prepare for unexpected events, and gives me more time to do fun activities.
Creating a plan to pay off debt doesn’t have to be too complicated. It’s a matter of sitting down and focusing. It takes less time than you might think. What could you do if you didn’t have a single debt payment in the world? That’s right—no student loans, car payments or credit card bills! For some of you, that would free up an extra R300, R500, or even thousands of Rands a month.
Any amount of debt is overwhelming. And when something’s overwhelming, we tend to procrastinate. We’re human, after all. Sometimes the problem seems so big that the main obstacle is knowing where to start.
Most people want Financial Freedom, but what do we need to do to get there? If you’re like most people, the word “budget” makes you cringe a little, But there’s no need to fear! A budget is actually a good thing—it frees up your money so you can do more with it. With a budget, you can have the satisfaction of knowing that your money is out there working for you. Rather than wondering at the end of the month where it all went.
“Good planning and hard work lead to prosperity, but hasty shortcuts lead to poverty.”
The start of a new year always feels like the time to re-examine our goals and create new ones. It’s a common time to get your finances in order.
Saving challenges are popular for helping you get creative with saving. Sometime, there is hesitation to join them out of fear.
Nobody wants to do one and then fail to complete it, right? (more…)
The holidays can be a lot of fun and they can be very stressful. It is the season of giving, which often means it is also the season of spending. One of the best things you can do to help make the holidays a lot less stressful is to create and stick to a holiday budget. Creating a holiday spending plan will reduce your stress. And make sure you don’t go into debt this holiday season.
To combat seasonal budget blues, commit to ditching credit card spending entirely. Instead use cash only during the holidays. If you don’t have it, don’t spend it. I discovered that with this approach, planning is everything. If you plan early, you’ll have a comfortable nest egg built up by the time you start making a list and checking it twice. (more…)