A balance needs to be struck between living in the moment and planning for the future.
We all struggle with it. Some of us dwell on the past. Some live carelessly for today. Others worry too much about what will happen tomorrow.
Living in the moment should be a priority. It’s an important step in finding happiness and living a life you LOVE.
That said, living today shouldn’t be at the expense of tomorrow. A lack of balance between today and tomorrow will leave you stressed out; unable to enjoy life to its fullest. If you’ve racked up your credit card, you know exactly what I mean.
As far as living in the past, my motto is to never dwell on the things that have already happened. Things you can no longer change. Instead, learn from your mistakes and focus on living every day so that you never regret again.
Let’s get you to live your best life today without more debt tomorrow!
So how do we make it happen?
Planning for the future is really a matter of saying goodbye to debt and hello to savings.
Our focus here is on balancing out your life from a finance perspective. That means living within your means today so you don’t have more debt tomorrow.
If you haven’t caught my drift yet, I’m talking about the ultimate personal finance balancing tool: a budget!
I know, budgets are boring but bear with me!
If you answered “Yes” to ANY of the above, well then my friend, you need a budget.
You’ll be able to better manage your expenses and have more money left over after each paycheck.
Budgets are only boring when you make them from scratch. That requires a lot of planning and is time-consuming.
Luckily, I’ve done the hard part for you!
The Budget Builder workbook is the perfect resource to help refocus your finances and take control of your money.
The best part is, it only takes about 5 minutes to complete!
All you need is your monthly income. The workbook calculates everything else for you!
Get your workbook by entering your email in the form below. Once you’ve downloaded it, you’ll find detailed instructions within the workbook.
After filling out your income information, the workbook will automatically calculate a range to tell you how much you should be spending and what you should be spending it on.
Once you’ve taken a look at that range, check back against your current expenses.
Do you spend more or less on things like rent? utilities? food? phone?
I recommend you adjust your monthly expenses using the workbook as a guideline. From there on, all you have to do is make sure you stay within those ranges.
No more debt, no more stress, no more worrying.
Don’t forget to monitor where you stand each month.
Creating a budget is only part of the work. How much you spent during the month compared to what you should have spent (based on your completed Budget Builder workbook) is a key step in taking control of your money. Unfortunately, I can’t monitor your expenses for you.
If you’re working on pay off debt, stay positive! It won’t happen overnight.
Each time you pay down, congratulate yourself for your hard work. You might still be 5 bills behind but that’s a big improvement from 7 bills behind the month before.
Remember to continue to live in the moment.
The Budget Builder workbook is meant to give you guidance. It should alleviate some of the stress of planning for the future. Taking it off your plate so you don’t have to worry about it!
That said, the workbook has plenty of cushion for living in the moment.
The “Entertainment” line is meant for exactly that! If you really feel like splurging you could also use up some of the funds allocated to “Buffer”.
Here are some great posts to help you save money on activities you might love doing like dining out or going on vacation:
- 7 everyday money saving hacks to get you back on track
- Pay off your debt without sacrificing on life
- Enjoy your life without breaking the bank
- 3 tips to avoid losing money investing on the market