Hey Lovely people !
Hope and pray all is going great at your part of the world and you are enjoying each moment with complete gratitude and lots of positive energy :)
I am so happy about weather's smooth change though it is slow but really desired and appreciated by people of hot part of the planet :)
Yes Temperatures are spinning around thirty to forty , i know it sounds bad to you friends from cooler area but what about us who find it comforting after bearing 50 plus :)
Days are hot and airy though nights are cool but humid. Sun has started to look kind and friendly again and i was starving for his this kind of look :)
I am fine health wise too as my throat bleeding has ended completely. It was so minor since months though it was there but now i am free of it by the grace of Lord!
Last day i was reading a post by my very dear friend Louise from STANDING INTO DANGER blog (at side bar).
Along with her adventurous day she mentioned that she was making her monthly budget for September .
And today when i sat to write post i had question springing in my mind which became title of the post today .
My late mother never attended any school in her life but she was one of the most wise woman i ever saw .
Her sensibility for house management and her caution for upbringing of her children was reflection of her wisdom and i can say it now as grown up or old lady .
She always got little amount of money from our father yet she was managed to save bit from it. I still remember how she would ask me to sit and write the budget and all monthly expenditure no matter how tiny they were .
We hardly needed any debt to fulfill our necessities . I wonder if it was so because she planned her expenses and set her priorities ?
I am not that wise nor i ever planned anything. Not for life nor for house chores and neither for monthly or yearly spending.
Hubby does not plan his such stuff visibly though i know he keeps in mind how to make things work.
I have a friend from school who plan her monthly and yearly budget .Husband and wife both work at good posts and they are constantly improving financially. I wonder if because they plan or only they earn more than they spend?
What do you prefer friends ?
Did you ever planned for your life or made budget ?
Please let me hear your thoughts on topic.
wishing you all a happy ,healthy prosperous life ahead :)
I found these worth sharing :)
Blessings!
Thought provoking post as always Baili. I think that it is a balance. Not enough planning can get one into trouble as one can go into all kinds of unplanned directions. Too much planning can lead to rigidity. With that, I think that I also do not plan enough.
ReplyDeleteHave a great day!
My Mom was good with handling money too and could make a little go a long way. I learned a lot from her example and teaching.
ReplyDeleteI am a planner. We plan for major expenses, save for unexpected things, holidays, etc. I enjoy the process of such planning too. I like to see how we are making progress with our money.
ReplyDeleteI am a completely random chaotic person. Of course I don't plan. However I do run into problems from time to time. Mostly I'm not ready for things that come up.
ReplyDeleteGreat post!
ReplyDeleteI embrace the old saying, "We plan. God laughs." With that in mind, I plan but try to remain flexible.
Getting what you ask for or getting what you are insistent upon is not always a good thing:)
For the first time in my life I am now planning my budget. I never had enough money for necessities much less for saving. I did what I could with what I had. My yyoungest son does sit down and plan. He writes down weekly, monthly, yearly, and life plans. He change3s things when situations change but basically the outcome is the same. He has paid off the mortgage on his home a few year early. Because he now has five grandchildren he has re-organized some of his expenses to include entertaining them. He has a good retirement fund and hopes to retire early. I envy him and am so proud.
ReplyDeleteThe first quote is so true, dear Baili, as not everything we plan turns out the way we want. Yes, I do try to stay on budget every month, but some times we run short and other times we have our fill and more. I smiled when you were talking about your mom and how she was so sensible with house management because my mom was the same way. She was actually never late paying her bills. I'm not that disciplined, but I try. The Lord's prayer is important to me, as I know God will take care of me and family. Such a lovely and wise post, Baili.
ReplyDelete~Sheri
I do keep track of spending.
ReplyDeleteI pay attention to finances, but am not a budget kind of person.
ReplyDeleteMy wife has a discipline that I can't have.
ReplyDeleteShe takes note of all the expenses we have.
That way we always know how we have spent.
And can take decisions accordingly.
I am not really good at budgeting and planning.
ReplyDeleteWhile we do not keep a written budget, Baili, we also do not spend unwisely or needlessly. Although, we are both retired and have money saved so that we can have some pleasures, such as travel, our upbringing which was in thrifty households has taught us well. We always think carefully and sometimes long before a purchase and have no debts now. Too many people today, young and older, think nothing of buying on credit and paying interest charges monthly. Budgeting and planning are definitely two things more people should do.
ReplyDeletesince I met my husband age 19 we kept a budget and wrote down the cost of every little thing weekly (food, rent, etc) we still do this. It enabled us to save for holidays and not every have money we could not account for. It is impossible to plan for everything but I have always tried to plan that we have enough to manage for three months in case someone loses their job (which has happened over the years!). I am an organiser and a worrier, my motto is 'it won't happen unless you make it happen' so I try to make things go the way I want by planning ahead. This sounds very perfect and I am not I assure you but it makes me feel better knowing I am 'in control'. we don't have credit either, if we can't afford something we dont have it until we save up - that goes for carpet, a new cooker, anything! Nowadays in the west of the world many people have huge credit debts and I think this is very sad.
ReplyDeletethank you for kind sharing Betty !
Deletewhat an incredible person you are to have such wonderful and organized lifestyle :)
i can imagine how peaceful one feel when he is done whatever in his hand at least :)
my husband does written only when he gets into some big work like construction of house or buying vehicle
yes we too keep the carpet in mind if there is chance to do so
when my younger sister was in usa she told that once you have job you can get everything with loan
but we always try to avoid because it is burden on nerves until paid off
We do a certain amount of planning but it is impossible to plan for everything …
ReplyDeleteAll the best Jan
I do keep a budget for our household spending, but sometimes there are unexpected expenses. We do the best we can.
ReplyDeleteLovely thoughts, Baili. I'm glad it ended happily.
ReplyDeleteAll we are is this moment! Live!
ReplyDeleteHi, Baili! Here I am over a week late responding to your lovely mention of me ~ catching up again. You are constantly affirming and so kind! I appreciate you truly, truly!
ReplyDeleteWe arrived home from our week in Vegas Wednesday evening. Both of us had pesky colds. We way overdid the fun, forgetting that we are older physically than what we think of ourselves as. And we did have fun! Now we're paying the piper with some misery, but that will pass! Fortunately neither of us has to emerge from the house for at least another day, because I always keep basic foods on hand to cover any unexpected event. Also fortunately, we are rarely sick together!
I am a planner overall. I may have trouble sticking to what I have planned for an individual day ~ especially since I'm easily distracted by things like chasing a helicopter ~ LOL, but over the course of a week, I will get all the essentials done. I'm a Neat Freak, so my house is nearly always clean, tidy, and organized. Being a Canadian who lived in isolated areas, my larder is always stocked with nonperishable and frozen foods, as well as a few gallons of water. I like to stay on top of laundry and ironing so that I can leave immediately on an unexpected trip, especially for a family emergency. Needless-to-say, my travel basics are always ready to go, and I have even have a small emergency stash of Canadian coins and dollars as well as American one dollar bills. I keep track of every penny. I may fall a few days behind in recording our expenses, but I get it done.
The thing that has helped us the most over the years is that we worked very hard to build and maintain an emergency fund to cover any unexpected bills or misfortunes like a job loss. That lifted a burden of worry off our shoulders then and now. We lived well below our means and saved and saved. Still do, every month!
Our one real luxury is travel, but even that we do as economically as we can. I'll give up just about anything to travel. But I'm easy to please: As long as I have a good book to read and a bit of dark chocolate to nibble on, I'm happy!
Sending you much love, my friend!
you are such an inspiration dear Louise and i just saw myself shirking before your wisdom lol
ReplyDeletewow what an excellent way to keep control over things :)
and by the grace of Lord you are successful in doing so i can see this as you have enough to fulfill your innocent sweet dreams :)
here most of credit what we have i done with our money until now goes to hubby ,if i count myself ,there is only one thing that i am not spender of money i mean i get exactly what i need no fondness for shopping or anything else that cast money ,hubby and me think alike when it comes to spend money but saving is not my thing
how amazing that either i am so easy to be happy :)
i can be happy if closed in room for years but need only thing that i can connect myself with my God through my thoughts :)
Connecting with God is definitely the most important need! But you actually have two things to make you happy in a closed room ~ your faith, as you have said, and your wonderful imagination which you have expressed appreciation for many times!!!
DeleteI always planned a small budget to make sure I could make ends meet every month. I had a long term plan with regards to my employment (with a small pension at the end) that I would like to retire early.
ReplyDeleteAs the years went by fluctuating changes of retirement date and the way that pensions work left me wondering if this would be possible for me.
Then one year earlier than I had planned I was gifted with the opportunity to realise my long term plan.
I am still wondering what I can do that gives/shares with others the gift of time that I have been given.