There are some disadvantages to envelope budgeting. I am a huge fan of envelope budgeting but, let’s be honest, there are disadvantages as not every system is perfect. 5 Steps to successful Envelope Budgeting Envelope Budgeting- money management for everyone Here are the four biggest disadvantages which I have found The Family: It can be tough to […]

When there is more month than money. One of the things I didn’t mention about my adventure into weekly planning is a scenario that I had almost forgotten. Never Ever Again!! This common occurrence happens when there is more month than money! No more money! Before I started meal planning this was a common occurrence.  We would get […]

What is envelope budgeting? Envelope budgeting is an easy way to create a simple easily manageable plan to monitor your spending. http://kasheringyourlife.co.za/index.php/2015/07/05/envelope-budgeting/ Every month thousands of South Africans struggle not to over spend. They use apps on their phones, spreadsheets on the computer, yet they find it doesn’t help. I say well done for trying, now […]

We all think of a million ways our lives would be better, if only ……, but what are you doing to change this? We all dream of winning the lottery and changing our lives for the better but buying a Lotto ticket only helps a very few. Why not start with changing the way you […]

Last week you made space in your home, or office, to store and file all your bills and statements as well as other important documents. This week I am looking at a separate place for unpaid bills and other important, actionable paperwork. I store my documents for the month in the concertina file but this […]

This week’s very late post is about creating a specific place for all that newly and neatly ordered and reduced mail. This includes school notices and other flyers you receive and in which you are interested. You previously sorted old school books and I am sure you have a few empty files lying around. This […]

Before you go to do the shopping, here is a list of do’s and don’ts that will save you money. If you have to go into a physical store, this is my top 10 list.  I mostly shop online, so I get to avoid this, but I definitely still earn loyalty points. Loyalty Programs – […]

  Do you still get snail mail? How full is your email inbox? Is the phase ‘it’s in the mail’ still valid? We have had a post office box for quite a few years now, I am not sure why, because we have no plans to move, but at least if we go away we don’t […]

Week 3: Manuals, warranties, passwords and other things to remember. Day 1: One of the things I find the most difficult about being online and digital is my passwords. You need so many and you run the risk of being hacked if you keep one password for everything. It is easier to remember a password […]

Due to the Jewish holidays I haven’t been posting as I would like I and where we should be moving on to week 6, we are only covering week 4. Last post in the financial freedom series covered facing your money fears.  This week we look at being honest about your money. You have analysed […]