Save those pennies we're going on a budget:)

Hello ladies,

Tonight I'm going to give you some tips on how to save some moola otherwise known as pennies.
As the majority of us will have payday this week..yey I can't wait, there is no time like the present to start getting the finances in order.  Lets make our aim an extra present for us this Christmas and presents sorted without over spending.
1. Open a blank excel document and change a column to accounting with 2 decimal places and your currency. 
2.  On the leftest side column write down your salary. £2000.00 and next to it salary.
3. Then underneath start by putting down all your musts with a minus sign in front of them and change the colour to red.  I.e rent, mortgage, car payments, cr card payments etc.
4.  Do a sum adding up everything from cell A1 to the last cell.  This is how much you have left after your expenses. 
5.  Now save as much of that as you can!  Yes save it this month and every month try to see if you can save a bit more.

6.  Decide how much you should be spending in a month.  Then divide this by the weeks.  Say you are left with £200.00 after saving and there are 4 weeks in the month, this will be equal to £50.00.  So £50.00 per week.  Draw the money all at once so if you get charged bank charges these are kept to a minimum.  Take out the £50.00 and hide the rest then 7 days later go a claim another £50.00.  If you happen to have money left over put it in a money box which you keep filling up with the change.  You will be surprised how easy it actually is. 

7.  If you have any credit other than your house or car get rid of it!!!!!  The only time you should use a credit card is if you are responsible or like me I use the Salisbury's credit card which racks up Nectar points and every second month or so I actually get a free grocery shop.  But the trick is when ever I use the card, I transfer the amount into a separate savings account so I don't get a shock when the bill is due and I try to only use it for the groceries.  (I learnt the hard way and spent too much one month...never never again!!!)
So hopefully that's the budget sorted and remember ladies, think really hard before you buy anything do you really need it??? Because yes we are in a recession and tomorrow I'm going to give you as much advice as I can about looking for the right savings account's.

Now I've learnt a new trick tonight while drying my hair upside down.  Stretching my legs and working my abs at the same time.  I'm not very flexible so I have to stretch a lot or at least practice.  Anyway the trick is while drying your hair upside down (which I find gives it bounce...score) pull your abs in with shoulders back and bend over as if your back was a table, keep the shoulders pulled back and try touch the floor or as far as you can and blow dry that hair.  Legs, ab and hair all done:)