Ah, payer ses factures, gérer son budget et remplir de la paperasse: franchement, pour le glamour, on repassera. Et pourtant, ces tâches bien rébarbatives sont sur le point de devenir tendance sur Instagram.
En général, quand on suit des Instagrammeuses, c’est plutôt pour dépenser de l’argent. Comprenez : on s’extasie devant leur dressing XXL qui nous donne juste envie de filer sur le site d’& Other Stories pour remplir notre panier. Heureusement, la nouvelle tendance des influenceuses va enfin faire du bien à notre compte en banque. Et c’est rien de le dire, puisqu’il s’agit du #budget planning, soit l’art de gérer son budget, hashtag qui comptabilise plus de 12 400 mentions.
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Tomorrow is payday🎉🎉 That means today I am going through my cash envelopes. Here is what I have left in my cash envelopes PET = $0 MISC = 42 GAS = $55 FOOD = $151 FUN = $48 BEAUTY = $47 That leaves me with a total of $343. So how do I decide how much to rollover and how much to save? The first thing I do is look at what events or appointments I have coming up. For example, I have a lash and wax appointment scheduled for Thursday, which will cost $80. I budgeted $75 for my paycheck tomorrow. So I will rollover $20, and save the rest. I will rollover small amounts, like the $5 and $1 most of the time, and then I will use the rest for my financial goals. How much you decide to rollover VS what you save or use for debt is based on your budget and the events you have going on for the month. What would make you feel more successful with your money? Make a plan for your leftover cash, if you have it. If you have been following me for awhile, then you know I don't follow magical formulas or conform to specific percentages. Sometimes what's right for you, isn't for somebody else. You have to follow what you are feeling in your heart, or you will never have the passion to continue. Seeing progress is based on your ability to step outside the box. That's what makes budgeting fun. It's your ability to have that control. When you are wondering what to do with your money, ask yourself "what can I do with this money to get me to my financial goals faster? What would make me feel at peace?" Trust your heart and be confident in your decisions. I will be detailing in my budget overview on YouTube the exact amounts I have decided to save from my cash envelopes. What are you doing with your leftover cash? #cashenvelopesystem
Tout le monde, il veut seulement la thune
Certains instagrammeurs — comme @Jen_Plans, @TheOrganizedMoney ou encore @amanwiththeplans — ont fait de cette tendance leur core business n’hésitant pas à photographier leurs souches, à prodiguer des tips pour mieux épargner et à comptabiliser sous forme de tableau le moindre centime dépensé. Ils détaillent aussi l’élaboration des menus de chaque semaine, pour ne rien laisser au hasard et montrent à quel point leur organisation financière est militaire, même si « fluotée » en rose bonbon (car sur Instagram, même la compta’, c’est joli). Pour le moment, ce sont surtout des instagrammeuses anglophones qui transmettent leurs meilleurs conseils, mais on notre banquier espère que les francophones vont rapidement reprendre le flambeau.
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Tomorrow I will be doing my full budget recap for January on my stories. I am so excited to share with you how much I saved by completing the Pack-a-Lunch Savings Challenge. If this is your first month tracking your spending, and you have spent some time trying to close our your budget, please do not stress. If numbers aren't matching up, and income isn't equaling your expenses, don't worry about it. Tracking your spending has one purpose, awareness. As long as you have written down your spending and categorized it, you completed the step. Tomorrow, I hope that by showing your my budget recap, you will feel more at ease with the work you are doing for your money. This will also be the first time I will be doing a full budget recap over on YouTube. It will be full of details. You do the best you can, and then be ready to start fresh for February. Every month make it goal to get a little better with closing out your budget. My numbers don't always match, and after a few minutes of putting in the effort to figure out, if I still haven't found the answer, I move on. Always ready to better the next month. You got this. Keep pushing forward and applaud yourself for the work you have put into making your financial life better❤❤ #budgetgoals
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