 Covering your Four Walls is your first budgeting priority. These are the things that will keep your family safe! If these four walls are covered, you will have less stress and anxiety in your life. You’ll be more able to focus on the things that really matter.
The fourth (and last) wall is clothing. Now, don't get your hopes up. I'm not advocating going out and buying a whole new designer wardrobe complete with a new pair of shoes for every day of the month. However, clothes are pretty important - unless you want to get some funny looks out in public. If you have kids, you know how fast they go through clothes. Sometimes the jobs we have require us to wear certain attire. Sometimes we lose or gain weight and need to get some new clothes that fit us properly. The reasons for needing to buy clothing go on and on. Since this is true, it is important to keep some money on hand for all those situations. You don't want to have to use a credit card, or use money that's meant for something else when your son puts on his school uniform pants and realizes he grew over night (this may or may not have happened to me three times last school year!). When you do need to buy new clothing, think thriftily. There are plenty of thrift/second-hand and discount stores out there and gems can often be found. Just be sure to only spend what you need when you need to. If you’d like a little extra help getting your budget set up to keep your family safe, get in touch - I’d love to sit down with you and help you figure it out!
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 Covering your Four Walls is your first budgeting priority. These are the things that will keep your family safe! If these four walls are covered, you will have less stress and anxiety in your life. You’ll be more able to focus on the things that really matter.
The third of the four walls is transportation. We need to get to work, to school, to the grocery store, to the doctor... This does not always mean we must have a car, however. This may mean affording public transportation for a while as you save up for your own vehicle. It may mean riding a bike or scooter to get around. Take a look at your budget and be sure you are including enough to cover your monthly transpiration needs. If you have a car payment, be sure you have enough to cover it. If that car payment is too much, consider selling your vehicle and getting something more affordable or using public transportation for a while. This category also includes some money to cover auto insurance, fuel, and maintenance for your vehicle. However you decide to get around, be sure you are budgeting appropriately for it. If you lose your car due to no-payment, or you can't afford to fill the gas tank, how will you get to work? Do some planning ahead and be sure you have your transportation needs covered each month! If you’d like a little extra help getting your budget set up to keep your family safe, get in touch - I’d love to sit down with you and help you figure it out! I'd love to help you make a plan for paying off your auto loan as well!  Covering your Four Walls is your first budgeting priority. These are the things that will keep your family safe! If these four walls are covered, you will have less stress and anxiety in your life. You’ll be more able to focus on the things that really matter.
The second of the Four Walls is Food. In today’s world there are so many options for how we get our food: cooking for ourselves, dining out, ordering in, frozen meals, and more. Regardless of how you “food,” you need to make sure you have the money to cover your family’s food needs each month. If you are still working to pay off debt, you should plan on having the vast majority of your meals AT HOME. Meal planning and doing your own cooking at home is one of the best ways to cut back on expenses. It’s also more healthy. o To decide on how much money you need to budget for food each month, look back over the last few months, add up what you spent and average it out. If you’re wanting to cut back, don’t include any of the eating out expenses. Once you have that number set, don’t go over that limit! It well take some planning, some time, some adjustments, and some practice, but once you get going in your new food planning routine, you’ll see your money stretch a little further each month. If you’d like a little extra help getting your budget set up to keep your family safe, get in touch - I’d love to sit down with you and help you figure it out!  Covering your Four Walls is your first budgeting priority. These are the things that will keep your family safe! If these four walls are covered, you will have less stress and anxiety in your life. You’ll be more able to focus on the things that really matter.
The first wall is Housing. Housing includes rent/mortgage, utilities (water, sewer, electricity, gas), renters/home owner insurance. These are the things that protect your family. If you are behind on your house payment but up to date on your credit card bill, there is something wrong. When you are budgeting be sure you cover these items first! Being up to date with cable doesn’t help you or your family when you’re being evicted or when the lights get turned off. If you’d like a little extra help getting your budget set up to keep your family safe, get in touch - I’d love to sit down with you and help you figure it out! |
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