Welcome to Better Budgeting, a Working Mother’s Guide to healthy living on a shoestring.
With my background as an Accountant, it makes sense for me to share some of the tips and tricks I have learned in the industry, and my experience applying them to the family budget. This page will be covering ideas for feeding the troops and frugal family fun. We will also look at the ‘Golden Rules’, saving for a big occasion, entertaining the family and staying fit. We will look at ways to track your hard earned dollar, and of course – how to keep more of it!
Over the years we have refined our budget-savvy techniques and tailored them to how we operate in a super busy family of four. We have used these tips and tools regularly. Sometimes out of necessity – when I was on maternity leave, and when we ended up with five mortgages because our house didn’t sell and we hit a GFC (!!!). Sometimes to pay off debt (bye bye Student Loan), when saving for a big event (wedding!), and of course travel.
These days we are earning good money, but we are spending stupid money! We would like to get ahead. We are sick of being restrained by “things” – i.e. working hard to spend money on material possessions. So we have set ourselves some money goals, which basically mean we need to save (lots) more, and spend less.
But we have also agreed on some ground rules. Life is not a race to retirement, we have to enjoy the journey. I’ve seen time and time again busy professionals dying well ahead of their time, and you have to seriously question your lifestyle. We lost my father at 52 from cancer. We lost my mother in law suddenly from a heart attack at 59, just weeks away from retiring.
Unfortunately, we know we cannot just put our heads down, bums up, and go to work to achieve our goals blindsided to the life that is happening around us.
So our ground rules are:
- Stay healthy.
- Enjoy the journey.