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UNEXPECTED COSTS | We had a lot of interest in our recent budgeting for parent hood post so thought we would share some more tips.
Expecting parents are often warned about the need to budget for those ‘big ticket’ expenses – the pram, medical expenses, private health insurance, cots and car seats but what about your day to day now your down to one income (or no income if you're a single parent)
Make a budget | Sit down with a pen and some paper and work out your projected income and expenses. Be brutally honest about what you’re spending and be careful not to underestimate any future costs.
Research child care costs, school costs, if you will need a nanny | Don’t forget to include the cost of things like nappies, wipes, clothing, activities (coffee) baby wash, medicines which can quickly add up. Put together a weekly or monthly estimate and include it in your budget. It’s always better to overestimate than be left short.
Depending on your income and circumstances you might be eligible for government assistance before or after your baby is born.
If you’re over budget perhaps there’s a big ticket item you could put off buying, or maybe you could restructure loan repayments or even make simple lifestyle changes like eating out less or by bringing a packed lunch to work.
Do you have any tips that worked for you? Please share them below
Cartwright Insurance Brokers have been providing insurance solutions for a wide range of industries since 1971
3 39an hour ago
The EZ-Way: Quality Sleep
💡 Stop the use of devices that emit blue light 1 hour before bedtime
☕️ Cut off caffeine consumption after 2pm
💧 Stay hydrated throughout the day
❄️ Set room temperature between 60-70 degrees
⏰ Maintain a consistent sleep schedule
☀️ Use natural light to wake up in the morning if possible as this helps the circadian rhythm
Buying an investment property can be very financially rewarding! Real Estate has been and always will be one of the best assets to invest in!
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Parents deliberate over naming their children because it can frame the way the world sees a person. It's the same with a business, a bank and especially a #communitybank.
#ProgressiveOzarkBank is our name and it says a lot about who we are and what we do.
We're Progressive. Constantly striving to move a head and grow.
We're Ozark. Privately owned, locally focused and our roots run deep in the #Missouri#Ozarks.
We're a Bank. We help with just about anything related to your money; from family to business and from mobile apps to personal service, we're your resource for all things #financial.
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Look at the power of paying an extra $200 per month towards your mortgage! Every little bit counts, even though it may not be immediately apparent, it does help save you money! So think hard about your monthly budget, and pinpoint some expenses you can eliminate to start paying a little extra towards your mortgage!
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1 22an hour ago
#emptyspace#fulladvice 🏠 Renewing your mortgage? 🏠 Don’t write your lender a 𝗯𝗹𝗮𝗻𝗸 cheque when it comes to rate. At @outlinefinancial we work to understand your goals and offer rate and product solutions from over 20 different banks, credit unions, and mono-line lenders.
If after an analysis the best option looks to be staying where you are, that’s exactly what we’ll recommend!
I can’t stress the importance of protecting your brand. People fail to realize that your business name may be protected in the state in which you are registered in, but it doesn’t stop a Sole Prop entity or a business registered in another state from utilizing the same business name. Contact [email protected] to inquire more about our trademark and patent services.
Reconciling your bank statements refers to the process of verifying bank transactions and balances to your company’s #Profit and #Loss and Balance Sheet reports. It ensures your company #financial#statements are true and verified.
1 102 hours ago
Our members get perks! You can pick up books of postage stamps or discounted movies tickets at Edge. Ask your teller for more info next time you're here! #edgefcu
I pretty much read this every morning on my goal board. Since the new year, I can see a huge leap in my progress. Whilst I have spent time on my finances, I’ve also been working on a job application. Just a paragraphs each day or afew edits. After nearly a week, its pretty much done and I am surprised! One because I hate writing, Im a numbers lass at heart but two because, for over a year I have been telling myself ‘I dont have time’ to look for a job etc and here I am a week later, chipping away at my job search whilst working towards other goals in life. A babystep approach has really helped me financially and taking that approach to other areas in my life can only be a win win! No matter how small the progress is, keep going, one day you’ll look back and be surprised at how far you have come.
#Money is internetting 🕸
You have heard all the cliche lines:
#Bitcoin will do to the banks what #uber did to the taxi #industry 🚕
#Cryptocurrency will do to the #financial institutions what email did to the post office.
Will #crypto just be a fad, or are we experiencing the beggining of a new #paradigm ?
Is this what the beginning of the #internet felt like in the 90’s?
I don’t know, I wasn’t even born then.
However, I like to think that we are on the forefront of new #technology and I wouldn’t have continuously built my brand #cryptomodel for two years if I didn’t believe this would blow up 💣