Category: Good Attitude

Start saving… NOW!

Hands up who saves?

I can hear you all saying – don’t be silly you usually have lots of month left over after your money and that there is none left to save. Or that you don’t have enough to live on, let alone save.

It might not be as hard as you think.

Here are some tips on how to start saving.

Write down everything that you spend. Record how much you spend – yes – every single last thing that you spend money on. Use credit card statements, bank statements etc to help you figure out what you do with your money. Once you have all your information – organise it into categories such as: rent, medical, food, clothing, car payments/petrol, entertainment etc.

Make a budget.  Now you know what you are spending, it is much easier to make a budget for all your monthly expenses. Do remember to budget in for things that don’t happen all the time – like getting your car fixed. If you are spending way more than you earn – then it’s time to figure out which are the non-essentials and start to trim them down a bit.

Plan on saving. The aim is to spend less than you earn.  You should try and plan on saving between 10 – 15% of what you earn each month.

Choose something to save for.  This is the fun part – you could be saving for short-term stuff – like having a holiday or a new car. Or things like a computer, cell phone, new handbag or a fancy matric dance dress. Then there is long-term saving – like for your education, your retirement or a deposit for your own home.

Decide on your priorities. No point saving for a holiday if you know you are going to need a new car soon. Of course, you can always save for more than one thing at once – you just have to be even more careful and clever with your money.

Pick the right tools to save.  Do some research and find out which place is going to safely look after your savings and make them grow. Most banks offer automated transfers – this way your money can zoot straight into your savings account at the beginning of each month and you won’t be tempted to skip a month.

Then sit back and watch those savings grow!

Sibo

A lucky girl

Mum and I got home the other day and our little neighbour dashed up to chat to me. She’s such a cute kid and always has funny things to say.

That particular day I noticed that her toe was all smooshed.

“Khanyi” I exclaimed, “Whatever did you do to your toe?”

She shrugged and answered that she had fallen and hurt it. I told her that she should be more careful with her little toes in future – they were not big enough to mess with.

“But I’m always unlucky!” she sighed. “I am forever falling and hurting myself.”

Mum and I looked at each other.

“Noooo…. You can’t say things like that! You have to think of yourself as being a lucky girl. If you think about being unlucky then that just attracts bad luck. Tomorrow you are going to have a good luck day. No more bad luck!”

But she just shrugged and said… “I’ll try – but I’ll probably have another bad luck day.”

We went inside and I felt sad that she is so little and yet she already has such a negative attitude.

Dad is always telling us about the law of attraction. Our minds are the most powerful things that we have. If we decide that we are going to have a good day – then we probably will.

But you, yourself, really have to believe this one hundred percent.

You can’t think in wishy-washy terms. You have to tell yourself that you are going to have a good day. Then you have to envision having a good day. The power of thought!

Of course, in my case it’s pretty simple. I envision eating a nice cold ice-cream at school. Then I take some of my pocket money to school and buy one. It’s a simple as that. The ice-cream man is there, the weather is good for eating ice-cream and I don’t lose my money. Everything works.

Or I see my maths paper in my mind’s eye with a nice big A+ on it. Or course I know that I’d put in a lot of work beforehand and could reasonably expect an A+.

Nothing worth having ever comes free or easy. We probably would not appreciate it if it did.

And on the odd occasions when you do fail, you have to pick yourself up, dust yourself down and try again.

Hope you all have a simply fabulous day! (Go on – imagine yourself having a fabulous day.)

Sibo