Act Smart :Start Budgeting Now.

The budget is such a cool word I don’t know why it is used in a negative way. It literally makes your life so much easier. There’s a misconception that budget limits your freedom to spend money I think, it rather gives you the freedom to spend your money where it should be spent. You just need to see where your money is going? where should you be spending money?. It is an efficient and effective way to control your income. The following are some tips I’ve shared with you guys on how to develop an effective budget scheme.

collect all of your financial statements like bills, bank statements, statements concerning your income.
Write down your income(monthly) record the total income your making from all sources.
Record down your expenses .make two categories fixed and variable. Under fixed write down all the fixed expenditures like electricity bills, gas bills, petrol bill, newspaper bill, gardening bill, telephone and internet bills, your kids’ monthly fees, monthly grocery bill. These are the important and fixed expenditures and you pay them in a fixed amount. Under variable expenses, you can list personal shopping bills, money spent on entertainment activities, money sent on gifts, grocery(it is not under fixed expenses), etc.
Separately total your fixed and variable expenses. If your income is greater than fixed bills you’re already going good. If the left amount is smaller than variable expenses that mean you’re probably spending too much money on entertainment or personal shopping.
Either cut down /spend less on variable entities or prioritize your variable entities. Is buying expensive gifts really important for you? Buying more/expensive clothes can be minimized. You can get a lot of good things in sales. Here in Pakistan, there is a grand sale at the end of every season so you could easily buy clothes, accessories, shoes and use them when the season arrives. There are also discounts on products. Do your grocery according to the number of people in your household.
Assign a certain amount to the entities in variable expenses according to your income.
It’s worthwhile to mention that always assign a certain amount for savings. How you can do that? After fulfilling or recording down the fixed expenses take some amount out of your income for monthly saving. The rest amount should then be spent on variable entities. It all, again, depends on how you manage your variable expenses.
Keep going through your budget after a week. You can change it according to your income and needs.
An important thing to mention in the end is that people tend to forget that you need to separate your wants from needs. Needs come first so you need to give them a priority and after that, you can go for your wants.

25 Things I’ve Learned in 25 Years.

From rejection to appreciation to failure to success life is full of ups and downs.While traumatic and bad situations are inevitable ,we can at least learn from them and keep a positive outlook in our life.

I have faced a lot in these 25 years and now when I look back at all the happenings in my life ,i’m grateful ,to say the least,for all the experience it had to offer me.This is life .It is never going to be a bed of roses .It is a mixture of all the bad and the good .

So here are the 25 things I’ve learned in the 25 years of my life.

People will judge you no matter what you do so don’t take everything to heart .
You don’t always have to say “YES” to everything.
There is power in saying “NO” .Use it whenever you feel like saying it.
Talking helps in every situation.It is an amazing therapy.Even when the situation gets worst don’t ever stop talking about it.
Depression is real.Do not take it lightly.Seek help .Talk to family or a close Friend or a professional but please talk about and seek help.
Being Bold is Good .There’s power in it.
Money does not always bring you happiness but it does help you out of sticky spots.
Save some money.Keep it for whatever may fall upon you in future.
Makeup is an expression of self-esteem.
DO NOT EVER touch your pimples.Touching acne will lead to scars and indentations.!
There is an underrated elegance in simplicity.
Apple is such an amazing fruit .It has so much health benefits .and it is great for your skin and is a natural breath freshener.
Once in a while go for a physical change .Cut your hair or get a different hairstyle.Change your attire.It is bound to make you feel good .
People crave every little detail of your life so don’t take every word and everything seriously(Unless it is for your own good).
Every once in a while (Unless it is your daily routine already)write about what you’re feeling,What you’re going through and read after you’ve written it all.It’s good to read your perspective of what you are going through in life.
Applying toothpaste will minimize the pimple in no time but will cause redness and rash.
Having a simple /Budget wedding and saving the money for honeymoon and travels is such a magnificent idea.
Organizing your room and closet is such a relief .It will make you happy to look at the clutter-free room .
A funny and a good personality over looks ANYTIME.
Being weird is totally fine .In fact it is such an amazing personality trait.In the words of Ed Sheeran “Being wonderful is such an amazing thing”.
Panic Attack is a mind game.you can own it with a few helpful tips .
Budgeting always helps.
It is the parents’ respectability to provide their kids with basic necessities. You are not doing them any favors.
Drink at least 8 glasses of water daily.
Some things in life you just can’t control.Please don’t stress over them and don’t think of them as your failure.