I love homemade food anyhow: I am always cooking with my sister. I also cook with my dad.
As I've mentioned before, one-day I will use HelloFresh* instead of supermarket food.
*I love HelloFresh adverts online!
However nice they are I do wonder in these days of tight economy whether such companies are the best way. I suppose we have, over time, determined when and where to buy good products very cheaply locally.
Post by Popcorn&Candy on May 20, 2022 6:49:23 GMT -5
Only spending what I have is something I have no choice over. Because even though I work, my work isn't registered as work [long story] so I can't be accepted for a credit card, loan or overdraft. If I worked for a company - rather than myself - I'd be eligible for loans and a credit card.
Post by Rebecca Jo on Nov 16, 2022 16:41:48 GMT -5
I seem to have finally gotten the hang of using a budget. What made the difference was a budgeting app. Oh, and calling it a cash flow plan instead of a budget. LOL
I couldn't get the mobile app in my country that I'd seen, but there's an online version, so it worked out. I really enjoy entering transactions and watching how things are going. I'm now much more aware of my bank balance because I'm catching up every two to three days with this app, which requires me to sign into online banking and see the numbers! I was able to save much more in the last month and a half, and I feel quite motivated to save!
Last Edit: Nov 16, 2022 16:42:06 GMT -5 by Rebecca Jo
Well I have just recently started a new year on my budgeting spreadsheets. I use a new sheet for each year so I can readily compare each year. They would ideally run by the tax year from April to April but I started when I finished my last job which was in October.
Even less money when you consider there is more than four weeks in a month.
You're right. Apples-to-apples would be to multiply weekly income by 52, then divide by 12. That is monthly income. Take away monthly bills, and what is leftover can be budgeted for monthly savings & spending.