Wednesday, 26 June 2013
The truth about budgets
This is a post I have been putting off for a VERY long time, because it acknowledges something that I don't (and I don't think anyone) wants to think about too hard, but here goes:
I set aside money in my budget for doing FUN THINGS
There, I said it/typed it. The painful truth is that because I am a human I NEED to do fun things, and give myself "a break" at least once in a while. For me this could be anything from buying a takeaway (takeout for my american readers) to buying a comic book or going to the cinema (Just went to see man of steel, its AWESOME!) but the point is, If I didn't do these small relatively cheap things, then I would pretty much wind up in a lunatic asylum, "all work and no play make onemanmade a very crazy boy!"
When I first started budgeting I took it wayyyyy too seriously, I took literally every penny that I had spare after paying my mandatory outgoings, and put it into my savings account, about halfway through the month I had to take the "extra" (after saving a decent amount) out and just spent it all on stuff I didn't even need, just because I had to relieve the tension and the pressure of saving so much and not giving myself any slack to play with.
So my advice to you readers is, use your budget to pay your mandatory outgoings and savings, but try to set a little aside (it could be £20 a month just to let yourself buy a takeaway/takeout and a dvd or magazine) just so you don't go nuts!
P.S The reason I don't like thinking about the fact that I need to have fun with money sometimes is that I know that it puts me a little further away than I potentially could be to my goals, but it does mean I will be a happier person when I do reach my goals, and appreciate them more because I haven't had to give up my life to achieve them.