This blog post started off as being about "How to Save Money for Luxury Items" - and it's since turned into a general overview on how to get your finances into order (and buy the Chanel bag at the end of it, if that's your goal)!
The idea of logging into our online banking and seeing the truths that lie within is daunting, and most of us would rather not go there. But I PROMISE YOU - once you take the plunge, managing your finances becomes highly addictive!
"When I first began taking control of my finances, I found it shocking to see quite how much I was spending on junk! Not to mention monthly direct debits for subscriptions I’d forgotten about.
I want to share with you all, a free downloadable copy of my personal finance schedule, and a second document I created that helps me to save towards the things I want. Both documents are A5 size and so will fit nicely in a FiloFax, your handbag or your own planner. Simply print them off and get started :)
When I first began taking control of my finances, I found it shocking to see quite how much I was spending on junk! Not to mention monthly direct debits for subscriptions I’d forgotten about.
It felt really empowering to cancel-off the things I no longer needed to pay for, and take note of quite how much I was spending on lunches, coffees and PayPal (PayPal is a KILLER! All of the rubbish I was buying online!) Additionally, the trepidation and fear I felt at the start completely went when I began this task - because I was no longer in the dark about my money and I was actively tackling the things that had been keeping me up at night (this was debt!)
If you have any debt, it’s best to clear this before saving, because the interest you’ll be getting charged on debt will be more than on any savings. Use my Saver Schedule Planner to work out how soon you can have your debt paid off and gone!
*To access the documents, click on the links above. Dropbox will open, if you have an account you can save it and use it from there. If you don't, you can simply double-click or hold your finger over the document image and select "Save image". The documents have been designed for you to print and use them, they are A5 size, designed to fit an A5 FiloFax or handbag.
I hope this inspires you to take control of your finances and I also hope you like the templates!xx