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Shoppingera
Christmas stuff are on sale and soon, all winter accessories and clothes will be on sale too. It is going to be just like Black Friday again with all the nice discounts minus the long lines and waking up early morn. It will be tempting to buy but I have to be smart and save as much as I can so I can do other things. Other than running our household, I’m also handling our finances. I take this job seriously because the husband is counting on me. He is depending on me to make sure that our funds are allocated wisely. I figured out that by simply looking at our budget discourages me from overspending. It puts everything into perspective instantly. There are days though that it’s hard to look away so I just indulge myself by browsing online. After all, shopping is every woman’s favorite sport. *wink*
image from sxc.hu
Living On A Budget
I don’t know what came to me but I have somehow managed to volunteer to do next pay’s budgeting. Why does that sound crazy? Well, of all the time that I could have done that, I chose that particular period where all the scary bills will be coming. I have spent the entire day yesterday preparing for this upcoming challenge. Haha! I hope I can make it alive. *cross fingers* As early as now, I’m managing our remaining $$$ to keep as afloat for 7 days. This is already a tough undertaking because little emergencies keep on coming up. That is why on the next budget plan, I have included an emergency fund for unexpected things like a travel emergency, broken window or flat tire. I hope everything will work out. The husband said I now have a new thing to obsess about. LOL.
In Just A Few Hours
…I will bid farewell to my 20’s forever. I confess that I do have the peter-pan thinking of not wanting to grow up or in my case grow old. It is inevitable, I know so let me indulge myself to some anti aging skin care to at least delay it a bit. 
I won’t be making a wish list this year because I’m being realistic. If I have an easily accessible and bottomless mmf drawer then I will be rushing to the mall. Situations changed and I have become more frugal than ever!
Spending
I’m not sure if this is a bad sign to start spending in the first week of the year but I have to out of necessity. First, I just bought glasses online. As I posted before, my old red one is totally busted. With eyes like mine, glasses are essential part of my life. I do own a pair of contact lenses but I still need glasses to rest my eyes from contacts and also for immediate reading needs. I won’t be buying glasses in optical shops for now. They are quite expensive when all I need are just the regular ones. Second, I need a hard drive. Since I use a lot of graphics and images, it takes a whole chunk of space in my internal drive. I’m not sure yet if I will get an external one or just another internal drive. Third, I just upgraded my flickr accout to pro so that I can have unlimited uploads. Then, my family can see what I have been up to lately. All of these were possible, thanks to my hard earned paypal cash. 
Money Matters
It is quite important to manage one’s finances wisely especially with this failing economy. Currently, we only have one paycheck (the Husband’s) in our household. Just like other small entrepreneurs, our business is slowly disintegrating. Since we don’t have a steady income, we always find it hard to budget. We tend to either get late bill payments or overspend.
We definitely need a budget software to help properly assess our finances. I actually found one and it is called YNAB (YOU NEED A BUDGET) Pro Software. The software is very user friendly and the whole concept is easy to understand. This just might be the solution to our problems concerning personal budget.
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