It’s time to start creating your New Years Budget

As I look out the window at the trees outside and their bare branches.  I can’t help but think Winters here.  This is when I set my New Years Resolution now, and the 2021 budget is created. And I get to dream about what I would like to achieve this year.

So with a glass of wine and the last mince pie, I decide my main priority as always is Christmas.  It seems so far away, as I said last week, I’m saving each week, and it will soon come around.

Christmas Countdown

Christmas Countdown

It’s 49 weeks and 5 days until Christmas

If you decided last week to try to save £20.00 per week towards Christmas every week, you would have a total of £980.00 over 49 weeks and I week to spend your savings.

Five way to save money on your grocery bill.

  1. Plan your meals for the whole week, including breakfast and lunch.
  2. Use a Shopping list when you shop. Don’t browse, stay focused.
  3. If you shop online, take a moment to think before you checkout.
  4. Cook your meals.
  5. Use takeaways as a treat.
  6. Compare the prices of items online if you can.

Please join my Facebook group and leave a comment to let me know how you got on with these suggestions.

Grown your own

To start growing your food, you can create a veg patch in your garden.  If you don’t have room, you can contact your local authority about renting an allotment as I did.

There are things to consider when you start and allotment, click here for a link that may help you decide.

The benefits of having an allotment

It’s your allotment, so you know what is in your soil and any pesticides you’ve used if any. You can grow the food you like all year round. It’s a great place to have lunch, chill out and meet other gardeners for a chat. And an excellent way to stay fit. ref:https://www.rhs.org.uk/advice/beginners-guide/allotment-basics

Work with me

As a thank you for signing up for my Newsletter, please claim your free 30-minute Newsletter Chat with me worth £15.00

We can use this time to discuss how we can work together to create your Financial Vision Board, Budget or Spending Diary.

Please join my Facebook group to ask questions or leave a comment about my blogs.

I provide financial education, if you need financial advice here are some links you might useful: Step Change  Citizens Advice BureauMoney Advice ServiceChristians Against PovertyNational Debt Line,  ShelterTurn2us,

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

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