Hello everyone,
I’ve recently had a Finance’s spring clean as we are moving into a new lifestyle house in the coming months...
I’m working towards building a few little projects at home to sustain our living costs in the next few years.
(Converting some old barns on our new farm into holiday cottages and a clamping field.)
So really, every single penny counts now. This is crunch time, if I can pull it off it means I can achieve my dream really but there’s only so much I have in savings and it’s a one shot deal as I sold my business to create the funds.
So, here goes! I’ve had really crappy attempts at doing this in previous years that have lasted for a few days!
So I have a Life Planner all filled in ready, it took me around a whole day to do this and go through every single payment, bank statement etc but they are all organised now in addition to a list of things I can update to get cheaper like energy and internet...
That was a real eye opener to see exactly what my fixed outgoings are!
I’ve setup 4 bank accounts so I have a clear view of the different budgets for Bills / Xmas & Bdays / Online Purchases / Emergency Fund.
And I’ve been to the bank and have a simple envelope system. These small A7 plastic wallets for my different expenses; Groceries , Dog Walker, Horse, Daily Spends, Petrol, Entertainment.... etc etc
Watching with Interest this thread and any experiences on this greatly received!!