Good Money Management..and How Bad Do You Want It?
When I see how people spend their money, it will come across my mind thinking how can they afford it. I myself struggle at times. If they have plenty of money and they have money streaming in, even when they're asleep or when they're holding a job that gives them a good income where they don't have to live on paycheck to paycheck, I don't care how they spend their money. But if they find themselves struggling after their whirlwind shopping spree, I feel like there is a need for them to learn to manage their money well.
I do think that whether you earn a lot or very little, we all should know how to manage the money. Why? The economy, whether you like it or not, is not very stable nowadays. A lot of people spend their money recklessly like they're simply living their lives as of that moment only and not for tomorrow. I feel that kids should be taught how to manage their money and expenses well very early in life.
For me, ever since the prices have increased and I find myself struggling to keep up being a sole breadwinner on this income, there is a huge need for me to start sourcing for other sources of income. Initially I was doing pretty okay but then you know, unexpected things happen and I end up having to use the income I have earned for last few months being the substitute income after paying quite a chunk for this certain bill.
On the other hand, I am quite thankful for that savings I had which accumulated from the sales of my online shop. It provided a buffer until my next pay. But ever since then, my money management took a backslide. I haven't been saving regularly like I should, even though I tell myself many times, that I SHOULD do a proper money management.
I always waver and it's upsetting. But the income I've made from the last sales, after I minus off my expenses on my family and also on the materials I bought for my online shop, my brother suggested that I should keep it in a separate account and DO NOT TOUCH IT. If I need to spend some money for future projects, I should use my current income from my day job. I failed to do that and the days up to my pay day mere few days ago, I struggled a whole lot. Thankfully, I managed to borrow $10.00 and also used the food vouchers which I got from a recent event at my work place.
I do NOT want to be in that situation anymore.
My mum and my brother will be getting some income this month and for sure, they are going to give me some. I am determined to stash that money away and use it wisely. I know you may read about me talking about this MANY times but to be honest, I struggle. As much as I don't want to use the money, I find myself having to use the income I am not supposed to touch because I have no choice. One thing for sure is that I don't see myself resorting to borrowing. From last money, I manage to get money every now and then from my online shop sales and I am happy for it. I do not want to live paycheck to paycheck anymore...I really don't. I don't want to be in a situation where I will think constantly about having not enough money.
I feel like I am blessed with the influx of recent orders. I really do. I prayed every single day that I will hit the jackpot with Teachers' Day sales and I really did and I am so happy for it. Yes I lost several hours of sleep but if you want something badly, you should be able to motivate yourself and do the hard work even if it means waking up at 4am in the morning where most people are still sleeping. Here I am working hard to get additional source of income, whether it is just $4.00 or $50.00.
Believe it or not, it will be slightly less than a month before I start my part time studies. I have no idea how it will work out because I left my studies in 2001. That is like more than 10 years ago. While others are so egg-cited about embarking on this new journey, I shudder. But I have to move with the time and my job has now been enhanced in a way that if I want to move up the promotional ladder, I will have to study or go on courses. Even the cleaner has to go for such courses.
With that, I will also be meeting new people and the vainpot me wants to look good to give people a good first impression. These people will be the people I will be studying with and doing projects with. I know they will probably not care about how I look but I just want to look better. Even with friends, when I know I will be meeting them for some chillax moment like watching movie or going for dinner, I want to look good for myself and for them too. I'm sure you don't want to look like a slob when you're meeting your friends for a guys' or girls' night out.
To me, one of the ways to gain body confidence, is to eat right and exercise. Even if you don't drop kilos like practically having your fats melt away fast, losing 1 or 2kg can make a difference like when you're wearing jeans or a form fitting dress. When I put on a bit of weight, let's say from overeating over the few days or within the week, I can seriously tell from the way I look when I wear the clothes. If I lose a bit of weight too, I can tell. Yes, that's how my body rocks.
So in all aspects in life, if you want to achieve something like to be debt-free, to make so and so amount of money in a month, or to lose a certain number of kilo, you've gotta plan and motivate yourself to stick with the plan.
Here, I present a video on motivating yourself to be successful in all aspects of your life. Enjoy!
So how bad do you want it?
Visit my online store http://www.facebook.com/mylittlecardshop
I do think that whether you earn a lot or very little, we all should know how to manage the money. Why? The economy, whether you like it or not, is not very stable nowadays. A lot of people spend their money recklessly like they're simply living their lives as of that moment only and not for tomorrow. I feel that kids should be taught how to manage their money and expenses well very early in life.
For me, ever since the prices have increased and I find myself struggling to keep up being a sole breadwinner on this income, there is a huge need for me to start sourcing for other sources of income. Initially I was doing pretty okay but then you know, unexpected things happen and I end up having to use the income I have earned for last few months being the substitute income after paying quite a chunk for this certain bill.
On the other hand, I am quite thankful for that savings I had which accumulated from the sales of my online shop. It provided a buffer until my next pay. But ever since then, my money management took a backslide. I haven't been saving regularly like I should, even though I tell myself many times, that I SHOULD do a proper money management.
I always waver and it's upsetting. But the income I've made from the last sales, after I minus off my expenses on my family and also on the materials I bought for my online shop, my brother suggested that I should keep it in a separate account and DO NOT TOUCH IT. If I need to spend some money for future projects, I should use my current income from my day job. I failed to do that and the days up to my pay day mere few days ago, I struggled a whole lot. Thankfully, I managed to borrow $10.00 and also used the food vouchers which I got from a recent event at my work place.
I do NOT want to be in that situation anymore.
My mum and my brother will be getting some income this month and for sure, they are going to give me some. I am determined to stash that money away and use it wisely. I know you may read about me talking about this MANY times but to be honest, I struggle. As much as I don't want to use the money, I find myself having to use the income I am not supposed to touch because I have no choice. One thing for sure is that I don't see myself resorting to borrowing. From last money, I manage to get money every now and then from my online shop sales and I am happy for it. I do not want to live paycheck to paycheck anymore...I really don't. I don't want to be in a situation where I will think constantly about having not enough money.
I feel like I am blessed with the influx of recent orders. I really do. I prayed every single day that I will hit the jackpot with Teachers' Day sales and I really did and I am so happy for it. Yes I lost several hours of sleep but if you want something badly, you should be able to motivate yourself and do the hard work even if it means waking up at 4am in the morning where most people are still sleeping. Here I am working hard to get additional source of income, whether it is just $4.00 or $50.00.
Believe it or not, it will be slightly less than a month before I start my part time studies. I have no idea how it will work out because I left my studies in 2001. That is like more than 10 years ago. While others are so egg-cited about embarking on this new journey, I shudder. But I have to move with the time and my job has now been enhanced in a way that if I want to move up the promotional ladder, I will have to study or go on courses. Even the cleaner has to go for such courses.
With that, I will also be meeting new people and the vainpot me wants to look good to give people a good first impression. These people will be the people I will be studying with and doing projects with. I know they will probably not care about how I look but I just want to look better. Even with friends, when I know I will be meeting them for some chillax moment like watching movie or going for dinner, I want to look good for myself and for them too. I'm sure you don't want to look like a slob when you're meeting your friends for a guys' or girls' night out.
To me, one of the ways to gain body confidence, is to eat right and exercise. Even if you don't drop kilos like practically having your fats melt away fast, losing 1 or 2kg can make a difference like when you're wearing jeans or a form fitting dress. When I put on a bit of weight, let's say from overeating over the few days or within the week, I can seriously tell from the way I look when I wear the clothes. If I lose a bit of weight too, I can tell. Yes, that's how my body rocks.
So in all aspects in life, if you want to achieve something like to be debt-free, to make so and so amount of money in a month, or to lose a certain number of kilo, you've gotta plan and motivate yourself to stick with the plan.
Here, I present a video on motivating yourself to be successful in all aspects of your life. Enjoy!
So how bad do you want it?
Visit my online store http://www.facebook.com/mylittlecardshop
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