Victoria Jiju

So the tips I am about to share may seem a little silly, however they have really helped me, so I thought I would share them with the internet realms. Money can be a major factor in your mental health and can be the root of many arguments and therefore it is important to know how to budget appropriately. As I'm currently completing an apprenticeship you could say that money is a little tight. Therefore with this in mind, my husband and I have had to be pretty savvy in order to get by in life whilst also getting some treats along the way. So here are 6 stages that have helped us get what we want.




1. Make a Table, Spreadsheet or Phone note for all your items.



2. Arrange Your Finances Accordingly
 My husband and I worked out we could get one £50 item a month from our collective income. For more pricier items for example £100 for garden furniture we may skip a month and save the £50 so that next month we had £100 to spend on what we wanted. On the other hand if we had two cheaper product…

Ironically whilst I have titled this post saving pennies that’s not exactly what I’m doing. Rather I am changing my mindset about items/products which has ultimately resulted in saving money. As a couple my husband and I stick to a pretty tight budget. For a long time this has got us both down as we haven't always been able to purchase or get everything we want.One thing we have come to realise is that when you don’t have a lot of money, it often becomes easy for negative-talk to become part of your every-day life. For example: I’m bored, we can’t afford to do anything, we are  constantly struggling and so on and so forth. However, after reading one of the chapters of 'You are a Badass' by Jen Sincero I came to realise that ones self-talk really does effect how you can feel in a financially tight situation. 
Examples

I wish I could afford to go to the cinema........I am lucky to have Netflix and many TV shows at my fingertips, I have thousands of options. 
I want to go ou…