How do I Teach My Child Good Money Habits?

How do I Teach My Child Good Money Habits?

Saturday 21st August 2021 I like to think I am good with money so I really want to pass on my knowledge to our daughter. It is my aim to ensure that she is financially literate!  Recently I have heard Will Rainey, Founder of Blue Tree Savings speak on The Meaningful Money Podcast with Pete Matthew (excellent as always!), I have also read the recent publication of ‘Your Money Matters’, a financial education textbook from Young Money, it’s an excellent…

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Create your own budget!

Create your own budget!

Sunday 15thAugust 2021 We all know that we need a budget. One of my favourite all time quotes is this:  ‘A budget is telling your money where to go instead of wondering where it went.’ John Maxwell There are many, many resources online to help you to create a budget. Some of my favourites include Every Dollar, You Need A Budget (YNAB) for my US friends and in the UK, we like the free Excel spreadsheet from Money Saving Expert…

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The car needs fixing AGAIN!

The car needs fixing AGAIN!

Tuesday 10thAugust 2021 Why is it when you think you’re beginning to win with money, that something else needs fixing with the car. We bought a secondhand car from a garage just a couple of months ago. The garage came highly recommended from several friends. To be honest, we’re not impressed. It’s now been in the garage four times, costing us $100s. Thankfully we have savings but goodness, this car has wiped out most of our savings account. Today, we…

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Reviewing the budget

Reviewing the budget

Friday 6dAugust 2021 I listened to a great episode from hisnandhermoney.com today – the guest speaker was Jesse Mecham, the creator of You Need A Budget. The episode is entitled: Master These Four Rules of Budgeting To Start Winning With Money.  Jesse was super and said that the reluctant spouse was probably overwhelmed, and I think that makes total sense. I will remember that! Thanks Jesse!  In the meantime, we need to review the budget as this week it’s not…

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The budget has gone a little bit wrong!

The budget has gone a little bit wrong!

Tuesday 3rdAugust 2021 Yesterday was our 18thwedding anniversary. Sadly, because we’re new to this budget business, we didn’t budget for our celebrations, and I am feeling very bad about the money that we spent. As we’re at the coast, Bob really wanted to go out on a boat $150 and then I said it would be fun to go out for a meal too. Foolishly, I chose an expensive hotel to go to – what was I thinking? We just…

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Patience pays off!

Patience pays off!

Sunday 1stAugust 2021 Hello y’all and happy Sunday to you! I am excited to say that Bob has just sent me a text that reads, “So, listening to Ramsey. He says we should have emergency fund of $1,000 and then clear off debt. I have $9,000 in emergency fund and $12,000 in credit card debt. Shall I use $8,000 to pay off some of credit card?’ My reply, “Yes!”. I wanted to share that because tomorrow we will be celebrating…

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My husband is listening to The Total Money Makeover!

My husband is listening to The Total Money Makeover!

Thursday 29thJuly 2021 Bob was cooking supper today and when I walked into the kitchen, he was listening to The Total Money Makeover. This is just too exciting! I have been asked Bob to read / listen to the book for the last seven months. I asked him how it was going, and he replied, ‘It makes sense.’ Praying that Bob will complete the book, praying for the positive changes to come, praying and believing that we will be on…

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Someone has eaten all the food!

Someone has eaten all the food!

Wednesday 28th July 2021 We did a weekly grocery shop at the weekend and the food has all gone! It’s only Wednesday! Thankfully we have cereal, bread & cheese left for lunch and evening meals planned but that’s it! Does anyone else have this problem? I have one husband and we have a daughter who is 12 years old and ALWAYS hungry… I have a horrible feeling that I was like that at her age!  All the yummy snacks have…

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Credit Card 1 = clear!

Credit Card 1 = clear!

Monday 26th July 2021 Today is pay day – always a good day! As we both work for the same school, we get paid the same day, which is great. Completely unplanned and unscheduled, we both sat down at the dining room table and got the laptops out. Moments later, we had reviewed the budget that we completed last week and cleared Credit Card 1. I was happy, I think Bob was too but he didn’t really show it. Sometimes,…

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