New to couponing and saving money? Overwhelmed? Part 2

5 Jan

 

Yesterday, I talked about making time and making goals. If you haven’t read that post, I recommend you go back and read it first.

 

3. Get Your Home & Life in Reasonable Order

Once you start to simplify your life and have set goals, now it’s time to put your nose to the grindstone! While you might be tempted to jump in and start clipping coupons or chasing bargains — don’t!

If your home isn’t in order and you already feel like things are spinning out of control, adding more things to your to-do list is only going to stress you out and make life miserable, which will lead to you giving up on your goals.

Take a step back and look around your home: what are the biggest areas you struggle with? Laundry? Piles of clutter? Lack of organization or a plan? Too much to do and too little time?

Look at your current time usage: do you have your priorities in order? Are you spending time enjoying and loving your family members?How is your sleep schedule? Do you have down time? Are the unimportant things crowding out the important?

If you feel like your life is chaotic, you need to step back and reorganize your time. Say “no”. Don’t feel obligated to other people. Don’t start anything new.

Instead, stay home, make a plan for your days (the simpler, the better) and stick with it. A plan doesn’t work unless you do!

Your home and life didn’t get chaotic in one day and they are not going get back under control in one day, but you can make baby steps in the right direction. So, determine what are your biggest problem areas and begin attacking those one at a time just like you did with your long term goals.


4. Create a Workable Budget

Once your home is beginning to start to get in order (and that will likely take a few weeks), then it’s time to learn budgeting.

Yep, I said the dreaded “B” word. You HAVE TO make a budget.

Why you ask? Because if you do nothing else — if you never clip a coupon, never buy used and never eat leftovers — but you create a simple zero-based budget and you stick to it, you’ll be better off.

A working zero-based budget is going to take work. It doesn’t just happen. But if you commit to making it and then following it, it will  change your life — and your financial situation!

For more help with creating a zero-based budget, I recommend you check out The Total Money Makeover from your library.

If you’ve never had a budget before,it will take at least three months to get a workable budget in place. The first few months you’ll likely make mistakes and adjustments; it’s a work in progress, so don’t worry if you don’t get it right the first month. You’ll see progress just by trying, I promise!

I also highly recommend that you use an envelope system for much of your spending categories. This guarantees that you stay within the budget because, with cash, when it’s gone, it’s gone. I will post more on that at a later date, for now…GOOGLE it!

Stay tuned for tomorrow’s post!

What would be your top piece of advice for someone who is feeling like their life and home is chaotic and disorderly?

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