Tuesday, 20 August 2013

Staying out of the red

When you’re trying to work out family finances, it can be handy to have a little knowledge.  I did a Management degree but the accountancy elements are now fuzzy!  I think I blanked out a whole term of lessons, as I cannot get my head round numbers very well.  I preferred the flamboyancy of marketing and coming up with advertising campaigns.  Hubbie is far better with figures, he made up a database for us to input everything in and it works out how much we have spent (or overspent usually!).  He has the practical head on his shoulders; I am the blogger who waffles on in her own little bubble oblivious to the important issues.

Both hubbie and I have a naughty little habit in that we do tend to spoil the children, we let them attend most activities near and far, treat them to meals out (rather than make up packed lunches!), indulge them with books, games and toys although not quite as often as we did in the pre-blogging days.  We need to get a grip of our finances and wrestle them into order!  Cutbacks need to be made, overspending avoided!  We need to make the most of the free or inexpensive activities we could enjoy, walking, bug hunting, football and den building.

Here the boys and their friends are on a nature trail, print off some handouts and away they go, perfect entertainment and no outlay!  Whoop.

I think it would not hurt for me to refresh my financial knowledge with a course!  I vowed I had it with learning, after school, college and university I did my fair share.  Yet I crave to get on top of our personal finances and it would not hurt to take a bookkeeping course.  It might even open new ventures locally, employment opportunities are limited here, and so it could not hurt to make myself more employable.  I have a dream and that is to take the boys to Florida, but it will not become a reality until I learn to manage our finances better.

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