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Self Care on a budget

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Self Care on a budget

I have an Allotment, which at the moment, looking out of my window into the dark and gloom, I miss.

I love my allotment; it’s not expensive and provides me with a place of peace and solitude. So I get self-care on a budget.

My allotment provides me with solitude

I find my allotment not only allows me to grow my food. During the Summer lockdown, it provided me with the solitude I needed for my mental Wellbeing.

person holding orange carrots during daytime, growing your own food, peace solitude, financial education
Photo by Dan Burton on Unsplash

For example, last summer, my husband and I were on the allotment. As part of the ‘allotment ritual,’ we always put up the fishing umbrella. It’s almost a tent and keeps us dry if it starts to rain.

If it does, we usually pour ourselves a cup of coffee and sit together chatting about what we have achieved, that day while we are having lunch.

It starts to rain
black umbrella, rain, peace, solitude, financial education
Photo by Azhar on Unsplash

This particular day, I was sat under the umbrella on my own, sipping my coffee, and the rain started to fall.

I could hear the pitter-patter of the raindrops as I sit back in my seat watching the steam from my coffee winding towards the sky. 

The sound of the rain momentarily transports me back to when I was camping as a child.

I feel at peace

The singing birds and the smell of the wet earth after the shower made me feel at peace.

And then after just a couple of minutes, my Husband sits down for a nice cup of coffee, and we start to chat.

Christmas Countdown Celebrations financial educaiton

Christmas Countdown

There are just three weeks until Christmas, and I can’t wait, walking around the Supermarket yesterday and looking at all the lovely food. I just don’t know where to start!

My New Year Blog will start the Christmas Count Down savings from Week 1!!

Sometimes we all need someone to talk to

Sometimes we all need someone to talk about our finances and help us reach our goals.

Work with me to help you have a better relationship with your money and help you reach your financial goals.

Book a FREE 30-minute discovery chat with me from my webpage.

All photos are for illustrative purposes only

Where to go if you need financial advice: Step Change  Citizens Advice Bureau, Money Advice Service, Christians Against Poverty, National Debt LineShelter, Turn2us,

Disclaimer, Patricia Buckland, 459 Micklefield Road, High Wycombe, BUCKS HP13 7HZ

Presenting as Debt Talk Ltd

The information and education (the “material”) provided by Debt Talk Ltd (the “author” is from sources believed to be reliable, but the author makes no representation or warranty expressed or implied as to the accuracy or completeness of the material. The material is provided for assistance of the readers of my blogs, attendees of the workshops and meetings, but is not to be relied upon as authoritative or taken in substitution for the exercise of the attendees’ own skill and judgement. The author accepts no liability whatsoever for any direct, indirect or consequential loss arising from any use of the material or information, data third party information provided by the author.

The material provided by the author does not constitute advice for the purposes of any individual case and it cannot be a substitute for specific advice based on the circumstances of an individual case. The author wishes to make it clear that the readers of my blog, attendees of the workshops and group meetings must take specific advice tailored to their own specific circumstances and whilst the author has used reasonable skill in order to provide relevant information to the attendees relating to their eligibility for personal government entitlements, the author’s role is only to educate and therefore the author will accept no liability whatsoever for the direct, indirect or consequential loss or damage arising from any reliance placed upon their material for any purpose.

Why my spending diary is my day one

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Why my spending diary is my day one

Ssh, don’t tell anyone, but I’m a bit of a hoarder.   You know, Jam Jars, candles that I never light, chocolate bars in the salad box in the fridge and shopping receipts

“Shopping receipts?” I hear you ask

Yes, I keep all of them, I love them literally more than Chocolate!

Why?

Because they are proof of purchase, this means if you have to return anything, it’s proof of where, when and how you bought it, which makes the customer services job so much easier.

They are also great for keeping a spending diary.

What is spending diary?

It is a diary that you pin all your receipts into every day.

I started one many years ago and stapled my receipts to each page every day.  I could then keep track of every penny I spent.  So the habit of keeping track of my money has been with me for as long as I can remember.

Warning, there is no hiding place!!

And like my best friend it knows all my spending secrets. I mean every penny.   No matter how large or small, so each coffee, lunch, snack, travel ticket, magazine etc. All the receipts are pinned securely in the diary. If it’s online, it’s written into the journal referencing the confirmation of purchase.

Suddenly impulse buys are highlighted, it could help you to budget more effectively because quite honestly, there is no hiding. Every penny is accounted for.

Statement Reconciliation made simple

If you paid by contactless, credit card or cheque, you can check your receipt against your bank statement. Making sure the correct amount of money is deducted from your account.

It’s called a Statement Reconciliation in the finance world, and I have reconciled hundreds, of statements over the years as part of my job. To make sure I’m not overpaying the bills.

You can also use the receipts to check your credit card statement.

Yep, that’s right, check your credit card statement to make sure your account has been debited correctly. Let’s face it if it’s not your purchase, Why should you pay and maybe even be charged interested on your outstanding balance?

If you’d like to give it a try, I can help

Book a free 30 minute appointment, for a free assessment.

If you feel you would like to work me with, I would be happy to help you with your statement reconciliation.

Use the tools that suit you

There are many apps out there you could use instead of a diary, but quite honestly, I still like to use a physical diary.

In my experience, after a while, you may not need the diary.  Keeping track of your spending becomes a habit, so reconciling statements becomes easier.

It’s like everything, practice makes perfect.

Give it a try; it might help.  Let me know if it does; your feedback is always appreciated.

Christmas Countdown

There are 5 weeks until Christmas. I’ve been planning Christmas since last January. Are you planning your Christmas yet? Please leave a comment on my webpage.

Work with me, make an appointment

Sometimes we all need someone to talk to about our finances and help us create a strategy for us to reach our financial goals.

Click here to Book a FREE 30-minute appointment with me for a free assessment.

Where to go if you need advice:

Step Change  Citizens Advice Bureau, Money Advice Service, Christians Against Poverty, National Debt LineShelter, Turn2us,

Disclaimer,  

Patricia Buckland, 459 Micklefield Road, High Wycombe, BUCKS HP13 7HZ

Presenting as Debt Talk Ltd

The information and education (the “material”) provided by Debt Talk Ltd (the “author” is from sources believed to be reliable, but the author makes no representation or warranty expressed or implied as to the accuracy or completeness of the material. The material is provided for assistance of the readers of my blogs, attendees of the workshops and meetings, but is not to be relied upon as authoritative or taken in substitution for the exercise of the attendees’ own skill and judgement. The author accepts no liability whatsoever for any direct, indirect or consequential loss arising from any use of the material or information, data third party information provided by the author.

The material provided by the author does not constitute advice for the purposes of any individual case and it cannot be a substitute for specific advice based on the circumstances of an individual case. The author wishes to make it clear that the readers of my blog, the attendees of the workshops and group meetings must take specific advice tailored to their own specific circumstances and whilst the author has used reasonable skill in order to provide relevant information to the attendees relating to their eligibility for personal government entitlements, the author’s role is only to educate and therefore the author will accept no liability whatsoever for the direct, indirect or consequential loss or damage arising from any reliance placed upon their material for any purpose.