Pen, Calculator and Ledger
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Making Your Money Work for You…

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Pen, Calculator and Ledger

I’ve always considered myself to be a thrifty person.  One of the ways that have helped me stay on track is being on a budget.

I started working around the age of 14.  When I received my first W-9, I realized that I had blown all of my money.  It was at that time that I decided that I would tell my money how to work for me.  I did not have any bills at age 14 but knew that I could still start planning for the future.

I was able to save enough money to pay my way through cosmetology school without having to work (which made it a lot easier for studying).  While at school, the girls there would make fun of me (in a fun way) because I would always bring my lunch and wouldn’t eat out like they did.

God has blessed me with the knowledge of taking care of my finances.  Thanks to Him, I have never been in debt (other than our house).  I would encourage you to give a budget a try.

There are many ways to do a budget.  I’m one of those super detailed people that has an Excel sheet and have it categorized so that I know where every penny in my checkbook is going.  Other people use a notebook or the envelope system.  Like I always say, find a system that works best for you and stick with it.

If you will consistently take the time to work on your budget each time you get paid, it will make it a lot easier.  You could compare it to gathering a few weeks worth of coupons and then trying to cut them all at one time. You’ll get it done but it will take a lot longer, and you’ll probably get frustrated.

If you are not currently on a budget, I encourage you to give it a try for three months.  I think you’ll be glad that you did.  If you need more info on starting a budget, let me know as I would love to help.

Thrifty T

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