While I don’t believe that you have to wait for a new year to start a new goal, sometimes it’s easy to feel like you’re starting fresh, clean and raring to go.
Disclaimer: not an accountant (or anything like it). Use logic people. That’s what I’ve done here. If you don’t want to use logic, don’t, but also don’t come bitching back to me if the advice of a blogger isn’t specific to your personal circumstances 🙂 Mmkay? Cheers.
Budgeting for 2016
What are your goals?
Before you can start working towards you goals, you need to know what they are. Does your goal centre around a big activity, such as saving for a holiday? Or is it a smaller activity, like cutting your weekly expenses? Whatever it is, you’ll need to decide that you’re going for it before you can work for it.
Share your goals
Unless you’re the only person in your household, it’s likely that your financial goals will impact on others. It might be in a big way, like moving to a smaller house, or a smaller way, such as switching to non-branded food to save a little each week. I don’t believe that money has to be a negative topic (though it may be sensitive), but it does have to be one that is discussed with partners and household members when they are going to be impacted by it.
Think about what you forget
There are one or two bills I sometimes forget are coming, or I forget when exactly they arrive. My RACQ membership and my PO Box are the two I always forget. I know they come sometime between November and February but I never, ever remember when. My brain just does not retain those details. While these aren’t big bills (for me) they come at a time of year where I often have unpaid leave, so it does help to try and remember to budget for them.
What are your tips to get yourself financially organised for 2016?