At the beginning of this year I made a decision that I would become more financially savvy with my money, instead of taking a “head in the sand” approach to our credit card debt or the mounting bills to pay each month, this year was going to be different!
And 3 months in I can tell you it’s not easy!! Especially as this is the year that I’ve also decided to start working on my blog full time, meaning I’m solely responsible for my paycheck at the end of the month! Talk about pressure.
Of course working for someone brings with it a level of pressure such as meeting their expectations every month, but it’s nothing quite like finding work, doing the work, invoicing for the work and then actually getting paid for the work (which can take months!). It’s next level and I now have huge respect for entrepreneurs who face this every month, especially those who employ others and have to pay them first!
In the past few months I’ve learnt so much through this process not least of which is to keep my head in the right place and realise that money doesn’t need to rule my world, even if the rest of the world is telling me it does! As a small business owner it’s very easy to get wrapped up in chaos of cash flow and debtors and as a mom of 2 and a woman with her own coveteous ways, it’s equally easy to get caught up in the craziness of buying things we don’t need and spending money we don’t have!
And I don’t think I am alone in these predicaments! So, the question to ask is exactly how did we get ourselves into such a state with our money? I don’t think many of us can claim to be experts on this topic. Most of us wish we were better with our money, especially considering the power it wields over our lives. But how do we change our bad relationship with money considering we’ve probably been in this abusive relationship all our lives??
One way in which we can do this is to treat our relationship with money as if it were a toxic relationship that needed a new start. We need to change the way we think about it and this recent article on the NYTimes made me realise that I need to #startover with a new attitude towards money!
Fortunately “Money” seems to agree with this sentiment and is in fact apologizing first….
I think I owe you an apology.
Sure, we’ve had some good times. There were moments
where we worked well together. But maybe there weren’t
enough of them.
Somewhere between new school uniforms, going on
outings, and taking care of dinner, our relationship got left
behind. Looking after other people is much easier when you
have some help.
So I’d like to apologise, to say sorry for all that’s gone
before… so we can get to know each other again.
Get reintroduced to one another. Start over.
So how about it?
I don’t know about you but I really need a new relationship with my finances and I’m quite excited about the chance to #startover with money. And to get me started I’ve downloaded the new 22seven app on my iPad.
22seven is a great new money management tool that helps you do more with your money. It helps you to clearly understand where your money is, in easily understandable graphs and visuals.
Some of the benefits include:
See all your money in one place. All your accounts. All your transactions. All together.
See what your money’s worth. And what you have, owe and can borrow.
See where your money really goes. Your transactions are automatically categorised to show you exactly how much you spend on what.
Get an automatic budget. Generated for you. Based on your own actual spending.
Know what you have to spend. See what you usually spend, have already spent, and planned to spend.
Your tax return is made easy. All your income and expenses are categorised and exportable.
It’s cheap and easy. The app is free to download and you can invest as little as R350, at the flick of a finger.
See what I mean? Why wouldn’t you want to #startover with money using the 22seven app?
Images: Old Mutual