Friday, March 17, 2006

Working at home and planning

Recently I was talking to someone who was complaining about finances.  This is common we all complain about our finances and very few people make as much money as they would like.  The difference here and what struck me the most was that he was complaining he couldn't afford his phone bill which is one of those things that a lot of us consider essential.  The part that got to me was when he later told me that he regularly has a tab at a local bar that is around $200 a month.  Hmmm do you see what is wrong here? 
Regardless of whether you are just starting to work from home or if you have been working from home for awhile it is important that you have a plan for your money.
None of us like to live paycheck to paycheck and we do all like and need to have some fun in our lives but without a plan nothing good can ever happen.
The Holiday season is a notoriously stressful time in our culture.  I love the holidays and don't want to be stressed so I plan for them all year.  I buy really nice gifts throughout the year when they are on sale and I save all my change during the year.  When the holidays come around the only stress I have is what gift to get my husband. 
You must have a plan. You need to know what you are working for and towards.  Are you saving for a new car, a new computer, a Vacation home Orlando or are you working just to pay some bills? 
Once you know what you are working for or towards you will know how to use your money best.  Is it important in your life that you go out every weekend and have a few beers or could you go out and have one beer and put the extra $5 towards your savings for a down payment on a house?  Five dollars might not seem like much at the time but if you save $5 every week it does add up in the end.  Look at other ways to put away just a little bit of money for what you want and you will feel really good about yourself and your efforts.  It is easy to feel overwhelmed and as if we never have enough money for the things we want but with a little planning you can be very content in your life and with your efforts..
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