Build A Budget That Works! [With Free Budget Template]

Build A Budget That Works! [With Free Budget Template]

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Creating a budget and sticking to it is always tough. It is one of those things that is always on your to-do list, and even when created is merely just something on paper, not something you follow. This is because budgeting can be restrictive and time consuming. The basic premise for a budget is to spend less than you make! This is the one concept that I have come to understand that rich people understand and poor people do not. You simply have to spend less than you make to increase your networth! So how do you create a budget that ensures your financial success and is relatively easy to follow? Read on for steps for financial success and use my free template to help you get started: DOWNLOAD: FREE MONTHLY BUDGET TEMPLATE Know what you spend your money on: Spending can be mindless and sometimes you do not even…

Welcome to Investment Conversations

Welcome to Investment Conversations

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A year ago I decided to become the “CFO of my personal economy” after being a self-confessed spendthrift. Here’s some background: We all have that friend that always looks good but never has any money to do anything. And we also have that friend that secretly has a lot of money but always says no to your invites for dinner or clubbing because they “can’t afford it”. I wish I could say I was the latter – that friend who always made practical purchases and stuck to their budget- but unfortunately I was the former. I was that friend, that spent all her money on “stuff”. Budget? *pfft* I didn’t even know what that was!  Two years ago I spent majority of the first paycheck I earned during my summer internship on a pair of Alexander Wang Aminata shoes I saw Rihanna wearing. *yikes* The next paycheck was spent on a…