We all deserve prosperity when it comes to money but unfortunately, we don’t always get what we deserve. So, if our finances aren’t flowering as they should what can we do to bring them once again back to full bloom?
There are many things that the so called self-help, financial gurus recommend in their many books. These include:
Investing in yourself
Thinking positively about your finances
Setting monetary goals
Spending less
Working harder
The lists go on and on but, there is only one thing that we at First Choice Credit Union would recommend and that is PLANNING!
Planning can include:
£ Setting A Budget
Write down, all of your expected income and all your anticipated expenses for each month of the year. This will give you a chance to see where your money goes and can often throw up a few little surprises, such as subscription we are paying that we no longer need or insurance payments that have increased year on year without us realising by how much. You can then use this information to plan what your money is spent on and how you can make savings.
£ Make A Meal Plan
Plan what you and your family will eat each day of the week and then make a shopping list for anything you need that you don’t already have.
£ Plan What You Will Buy
This doesn’t just mean your groceries, when it comes to clothes, entertainment, trips away, birthday gifts. You can plan for anything and everything you purchase. And if it isn’t on the plan?...... Do you really need it?
£ Plan Your Day
Plan each day in advance, the best time to do this is the night before. Evidence suggests that those who work to a plan are better focused and have a greater sense of self control.
Of course, planning is not a magic cure all when it comes to our money but it is a first and very big step that you can make on the road to that well deserved,
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