Being good with Money

Hello and welcome back to 'Boy in a Big World'

So it would be a lie to say I'm good with money.

In fact it would be the biggest dirtiest lie ever. I get paid every month, I pay all of my outgoings and the rest just gets thrown at things like clothes and a mad night out and then, all of a sudden its 2 weeks until pay day and I have a tenna left to spend.

So with the new year I am determined to get my finances in order.
I have so many big expenses coming up, like my all my Americamp cost (flights, visa, spending money). Saving so that I have money to come back from America too and I would like to learn to drive at some point in the future and that will cost me more money.

Now I only work 4 days a week so I'm not on a full time wage, but I do live with my Mum still and pay her a small amount of rent so I'm not that bad off. But I still need to sort it all out.

My plan is to pay all my expenditures on the day I get paid, look at what I have left and divide that by the number of weeks till I next get paid. Then take this money out of the bank in cash every week and leave my debit card at home so that I am not tempted to use it.

This way if I want something more than 'said' amount then I will have to be extra frugal that week and it will give me a visual representation of that I gave left to spend every week.
That is the trouble with paying on plastic, you cant 'see' what your spending every day.

I have even made a little spread sheet that is VERY simple and just takes away the numbers I put into it of the total amount I have been paid.

Now at the moment I am in one of these 'broke 2 weeks before pay day' situations because I went a tad mad on new years eve and in the sales. So this is all planned to start on the 26th when I get paid so I guess only time will tell. I think I will do an update towards the end of February on how I am getting on.

So in more exciting news I have planned the next Camp Counsellor post and that will be written and posted within the next week or so maybe. I want to space them out in the lead up to camp so that there isn't a sudden influx, but something's wont be written about till the happen.

I also have other exciting news to do with camp but I don't want to jinx that before it happens. So watch this space.

I know its only been a short one today but sometimes there the best ones.

Wishes,
Jack