The time has come to take control of my money!

So I haven’t posted in a long while! Eish! Between balancing family and business life, I hardly have had time to write! However, it is never too late to start again! 🙂

As of late, I have felt my money affairs spiral out of control. 😬 In between managing multiple budgets (I am sure you know about that), I found it was just not working. Day after day, I felt more and more confused as to the cash in my pocket. Especially as I am also running my business and needing to keep cash money separate from our household money.

In an attempt to take control, I spoke to the person I know manages her money the best…my Mom-in-law. She is a super efficient money manager! I have been observing her for years, and cannot believe I didn’t speak to her sooner! I think people, in general, are just embarrassed to talk about money.

Anyhow, she gave me some great tips! On top of that, I took a few hours out this past week to research an easy budgeting system. Well, I found one that definitely spoke to me. Watch this great video!

This is really a basic but effective system and I felt so inspired by this video, I immediately decided to take action! I NEED A WALLET! 😜

So yesterday I went shopping for one! All the while, being Lilly Loompa, I kept thinking of how I can make one with waste! Hehe! I quickly canned that idea as I hate sewing! Anyway, I didn’t find a wallet big enough to hold the standard size envelope. So in true Lilly Loompa style, I decided to make my own envelopes! 😄

Here follows my picture tutorial:

This is how small my daily bag is!

I just loved the practicality of wearing a smaller bag…it felt easier to keep safe and close to me. I love this bag! Below is the contents of my bag. More cards than anything else! But…they are all debit cards…I am pleased to say not one credit card!

 

I know…time for a bigger bag!

I started looking for on-line templates and then realised my printer was out of order. Thus I measured and cut my own template based on the size of our South African money notes. I didn’t have thick paper, so I used a promotional book about an international school of design I picked up at an expo recently.

Here is a link to an on-line tutorial I found useful.

Fold your envelope and secure the bottom side with double-sided tape. I used magic tape as it is all I had on-hand. The idea is to get started. Do not be fixated on getting it perfect. Use what you have! I made two envelopes to start off. I also kept my original template safe for future use.

 

Then I realised I forgot to make one for my business.

 

Since we still have a few days over for November, I decided to start now. You will see I allocated only a small amount for the week, to start training myself to be disciplined. I am very excited to start this new journey.

Now to go wallet shopping!  😜 Let me know what you think? Is this doable in SA? What do you think is a reasonable grocery budget?

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