Month ends can so draining. From bills to chasing payments that may never come, setting goals for the new month and looking back to what you did not achieve in the previous month…one could just give up on life.
This leads many of us to feel down, for obvious reasons. However life has to go on and here is what you can do to get through the next month.
In this trying economy it almost sounds impossible but try to save a little something to keep you going through the first week after month end.
If your rentals are due and payment has not come through at work communicate with your landlord prior so they do not come knocking at your door every night. You also do not want to be sneaking around the yard, hiding from him/her.
Commit to a budget
Compile a comprehensive household budget and stick to it. Minimise unrealistic demands and expectations. Plan healthy meals for you and your family, including lunchboxes for school and work. This helps avoid overspending on takeaways.
Quit bad habits
Stop smoking and cut down on your alcohol intake. Not only will you save a lot every month, you will also avoid paying sin tax. No matter what, don’t stop saving. Stay committed to your long-term goals and take advantage of tax-free savings options.
Don’t live to impress
Don’t put yourself under pressure by trying to keep up with the Kardashians. Live and dress according to your means and not according to your friends’ lifestyles. (They may also be in deep debt behind the scenes).
Learn to say no
Don’t allow yourself to be pressured into buying things you don’t need and can’t afford.