I Make Budgets For Everything But...

I didn't grow up in a home that was so good with budgeting that made me inherited the habit, it was actually the opposite. My dad never kept a budget that I happened to see or maybe I just never got to see one. He would go off to get some items for the home one after the other, at times, all at once but never did I think anything like budget was made before he left the house for them.

He would always give my siblings and I feeding allowance whenever we were about leaving for school. Before he gives me my share, I've planned out all the sweets and peanuts I'll get with the money since it was a fixed amount he always gave us. That was natural budgeting in me but I didn't think of it like that then. I kept up that habit until I started spending time with a business woman who has a big provision shop.

My budgeting habit grew up to a 50% when I stayed with her because she was in a whole new level of budget making. I couldn't help but join her in making budgets before she goes off to the market or she sends me to go for her. Even though prices are never in anyone's favour, she would always give estimates and work with that... I've learnt that it always works well for her and that led me to liking budgeting more even when I started to stay on my own.

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There is almost nothing I don't make budget for... My money, my time, my studies, my work and even down to how long I want my content to be, I make budget of that hehe.

Like I said, my budgeting ability is at 50% because there are still so many times I act without making budgets. Even though some didn't work out well for me, others did so I don't feel bothered about it. When I decide to budget, I make sure to be strict with it like a business woman and I know how favourable it is for me whenever I go through budgets. A few ways I make budgets are...

Getting acquainted with what I can afford

I won't make budget with empty account or empty promises, I must consider what I have to spend or have to do before I make budgets. Sometimes when I have too much to spend, I tend not to get acquainted and I just spend so long I'm making sure of getting what I need. But I make sure to follow budget when I don't have much to spend. For my time, I consider what needs to be done and budget my time to fill in without leaving some work undone for that day.

Giving guesses on what needs to spent on

I've come to see the real life market to be like the crypto market as well. Prices changes just so fast although the difference is that, the real life market prices goes up and hardly goes back down. With that in mind, I always make budget with inflation of prices and possible losses in my budgets. This way, I don't get to be stranded when spending since I know what to expect and planned how to overcome it.

I always put my budgets into writing

Especially when it's about visiting the market (even if I'm very acquainted with the market process), I make sure to write out the items I need to get in a very good order (I'm an order freak, like I love things to be in order a lot). Of course, I add possible prices and make total calculations then minus from the money in my account... All that is mostly done so I could withdraw just what I need for those expenses. There's a reason I prefer it this way, here is it.

One major issue I face with budgeting

It wasn't until recently I've been disciplined enough to know how to work with a budget. Before now, I would make a very good budget plan, have the money on hand to spend and even get some items cheaper but in the end, I go home with little or no money. And you know how come?

I bought something unnecessary but eye catching when I visited the market.

This happens to me a lot, and they are mostly what I don't really need but craving for. Or something the seller somehow was able to convince me to buy and then I buy since I had successfully spent wisely enough to have some change. Sometimes I don't see anything wrong with it but whenever I get home and realise that I don't need an item at home which I had bought already, it makes me feel like I'm so bad at work with budgets.

I'm still working on how I could focus more on my budget while I get a few things I randomly crave for... Because I can't kill myself 😅 I will eat what I crave for, sleep when I have to, study when I can and work I should... No pressure on myself but most of all, I'll focus on budgets.