Category: Welcome to The Real World

Budgeting 101

Nothing makes me happier than having money at the end of the money, BEFORE payday arrives. I’ve been working for about a year and it still amazes me that the one thing in my life I have relatively good control over is my finances. Is it because I live with my parents? Is it because I have fewer expenses than most people? Maybe. But I personally believe that it’s my very strict budget. All through my life my father has told me that I don’t know how to budget (which at the time was true). However when you start working for your money, you learn quickly what works for you and what doesn’t. Here is my quick course on budgeting:

 

1) Save before you spend: Before you start drawing up your budget, be sure to put aside some money in a savings account. I have a certain amount set to transfer to a savings account every month as soon as I get paid. Which leads me to my next point…

2) Pretend you earn less than you actually do: I consider my earnings as a little less than the amount I have left AFTER I have saved. For example, if I have R500 after saving then I pretend I earn R300. That R500 is to remain untouched until absolutely necessary (I will discuss this later). This method work out as a great way for me to save money since at the end of every month I am surprised by my bank balance. Why do I still have money? Oh, yes- I earn more than I think I do. It feels like a present from me to me. Thank you, me.

3) Make a budget…but round everything up: I like to round up my expenses to the nearest hundred. This ensures that I am able to cover them sufficiently as well as having some extra money in case I need it. For example, the petrol price went up by a HUGE amount one month. It was a major strain on finances but it affected me just a small bit because of all the money I have saved.

4) Similarly, round up your spending budget as well: Make a list of what your usual purchases are and round that up too. I always over-budget for food (which I rarely buy) and clothes (just in case it turns out that I’m outgrowing them…AGAIN) so I know that I am always covered.

5) Remember to keep something for a rainy day: This is very important. Put aside money to use in case of an emergency. When I first started work, I was crazy about this. I insisted on keeping R500 in my account no matter what. I wouldn’t use the money even if I had no money for petrol or food. That money was not to be touched. This came in handy when all of a sudden, my car battery died and needed to be replaced. I was thrilled that my responsible ways finally paid off.

How do you budget? Are there any tips you have that I might have missed? I’d love to know below.

5 Lessons Learnt from Gossip Girl

It’s been…a really long time since Gossip Girl ended (sorry but I can’t count the actual time because it will make me cry like a baby). The lessons the show has taught us however will last forever. Much like Blair and Chuck’s romance (or so we hope). Here are 5 lessons from Gossip Girl.

image

1) If your boyfriend cheats on you, do NOT take him back. It doesn’t matter if he’s hot. It doesn’t matter if he says he won’t speak to the other girl again,DO NOT TAKE HIM BACK.

2) You’re not a stop along the way, you’re a destination- Kinda ironic that the woman who said this took her cheating boyfriend back but I’ll try not to judge.

3) “Friends” are fickle but friends are forever- Despite Blair and Serena’s many ups and downs they were (usually) always there for each other. Blair’s minions however were let-downs time and time again. Anyone remembers how they attached themselves to Serena in season one when she decided she wanted to be a bad girl again?

4) You don’t always get what you want but that’s okay – Am I the only one who cried when Blair didn’t get into Yale? I was as heartbroken as she was. After all, if the Queen Bee couldn’t get into her dream school, what did that say about the rest of us? That episode taught me that things in life may not always go as planned but it doesn’t mean you should give up. This has been an invaluable lesson for me in my own life.

5) Always dress your best- The fashion on Gossip Girl was one of my favourite things about the show. The characters wore amazing outfits and they wore them with confidence.

What lessons did you learn from Gossip Girl? Are you Team Nate, Team Chuck or Team Dan? Leave a comment below.

Lessons Learnt from Disney Movies

image

1) Just keep swimming

2) You don’t need a man to save you

3) Look beyond outward appearance

4) Don’t eat anything from strangers (how did Snow White not know this???)

5) Never sign contracts without reading (and very carefully thinking) it over. Especially if it’s a contract from an octopus-like person

6) Never trust a guy who proposes too soon. Especially if too soon happens to be one day.

7) If you don’t invite people to your party they may get upset and curse your child. Always invite people even if you don’t like them (maybe just give them the wrong date/address?)

8) Speaking of curses, never make deals with someone who can spin straw into gold (who does that??? That’s dodgy on it’s own)

9) Keep Moving Forward

What lessons have you learnt from Disney movies?

Follow

Get the latest posts delivered to your mailbox: