Money Management?

Hey you!? 😉

There’s a few possible reasons you may have clicked to read this blog. You’re either in debt and trying to manage your funds and got a little curious, or you’re a subscriber (yes, YouTube terminology *sigh* lol). Either way, both reasons got you here for a good reason and I want nothing more than to share my “TipsforZip” with you! ^_^

First things first, you want to get your finances in order. Times may be tough, but it’s ESSENTIAL to everything you intend on doing from here on out. Let’s face it, with stinky credit and a buck to your name, there’s not much else for you to choose from economically IE: cars, homes, food

Spend In Moderation

Spend in moderation
Spend in moderation.

Be sure to keep track of your spending habits. Try making separate envelopes each labeled with where it’s going. Example: [Rent] {Car} [School] {Daycare} [Living expenses] so on and so fourth. Add money to each envelope every week or two weeks depending on when you get paid, so by the end of the month, each slot will be filled with what you need and what ever is left over can be put towards saving etc. The better your financial savings, the better quality essentials to life, you can have. Some may understand the foods in which they consume on a daily and where it’s really coming from. You’ll be able to research and then after make a more sound judgement on what is safest and healthier for you and your family. Invest in only the things in life that assist you in greatness. Organic is not as expensive as some may think, especially if you have the option to plant or buy baby fruit and veggie plants to grow (if you have the time I might add) ;-).

Paying off Debt

Paying off debt
Paying off debt

Now this is one of the more common stresses in gathering funds [lol]. Even if you have just a penny after paying off all of your bills…SAVE IT! Every little bit counts for something. If you have overdraft fees of $60 and a student loan or credit card bill of $300, try and reduce the bill with the highest amount. If ever in a situation like that where each debt is critical and demands are higher for payout, (especially if being charged fees left and right) then address the higher priced one first and try paying it off in chunks. If it’s something more mediocre like an overdue library book verses a utility bill, clearly…take care of your utility bill first. You need water, electricity,  and things of that nature to survive…that will be your top priority. Paying in moderation also helps your credit score when they see you’re consistent and pay you debt in a timely manner.

Organization

Organization
Organization

Ah yes, it can get really tedious if you’ve let things pile up. Whether it be your home, your office, your desk or locker at school…please ensure that your work and or living space is tidy! Stress comes with uncleanliness too. You can’t focus, you can’t work properly and everything becomes a distraction. Worrying about how to get everything done at once and still have time for yourself. Just like money, you have to organize the way you live. It’s also an essential to getting things done productively and efficiently. A few extras dishes in the sink? Clean it up. Papers and pencils or kid toys all over your desk at home? Clean it up. Room all out of place and smelling not too fresh? [Lol] Yes…clean it UP! 😉 I assure you, you’ll not only feel better but you’ll do better and look better because your up keep is inside and out. Take control of your life and live it well. That does not mean run a muck and do things you may regret 10-20 years down the line [haha]. It just means to keep it safe, clean, and stress free. For the parents reading, this is also a wonderful tip and bundle of tools you can teach your kid(s). Get it instilled in them while they’re still young and impressionable, so as adults these things will already be a “must do” in their day to day. Much harder to get through to the stubborn ones as they age [haha]. 🙂

I hope this has been helpful to and for you. Please if you wish to share any of my blogs, keep all present information including my name, in the post when and or if you decide to share it. Leave your thoughts below I look forward to reading them! ^_^

Until next time….

-Jumblez

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