• Samantha Boardman

Budgeting Is Not Taught In Schools



The one thing that we all have in common is that we are all trying to survive.... Am I right? The number one value for all of us is survival... for ourselves, our family and our freedom. Maintaining the quality of that survival boils down to the level of control we have for, amongst other things, money. Money is the reality of how well we can provide for ourselves, our family, and our lifestyle.


When a poor spending cycle keeps delivering the unwanted reality of struggle and stress, the person involved can feel overwhelm in the "simple task" of just keeping their head above water. Whilst those "in the know" cruise happily on the surface spending their time... making it look really easy. A sinking feeling clouds their vision and clarity for what options they have. It becomes a struggle just to admit it... they don’t know how to get out, but they wish they knew how.


I have been surviving since my Dad put up the "rent" at home so much so, that I HAD to move out! I could no longer live there. It was TOO expensive...... I was in my early 20's, but that is not the point! Now, 30 years on, I distinctly remember him saying "If you can find somewhere else to live, as cheap as this, tell us, and we will all come and live there".... That followed the lecture of how you MUST pay your bills ON TIME (in those days it was the VERY DAY that you got paid). He also insisted on the Direct Debit method (straight out of my bank account) as he did not trust my "I'll give you the cash later" approach (how rude!).


Since that day, I had to think hard, and I had to think fast.... He was NOT joking about the rent going up and I knew I didn't have the money... I wouldn't have been able to go out with my friends and put petrol in my car as well..... Not to mention the car loan!!! Very quickly I shifted into "survival mode" (and it was very swiftly from the "cruising along nicely with my Mum doing my washing and cooking for me" mode)...


I needed extra income! So.... I got a job in a pub serving bar meals on a Saturday lunchtime. I worked behind a bar of a very "fabulous" night club three nights a week.. I also sold Avon "door to door" and signed up to various catalogues so that my friends could order new clothes and stuff, and I would get the commission... I was ALWAYS thinking on my feet! I had to survive, right? All of that hard work paid off... I even lived off my tips for a little while. I was hardly awake, but I had more money than I knew what to do with and bought my very first home (what do they say? location location location!??). I bought a very cosy one bedroomed apartment in Cheadle Hulme (Cheshire, England - the posh bit - ish... VERY ish!!!). Still working all the jobs and the Avon.... I SURVIVED!!! And I still am doing!


I often wonder if I would have a different approach or attitude had I been taught to Budget in School. I feel like I discovered it myself when I was forced into "survival mode".... A girl has got to be able to go out with her friends and pay her car loan back, right?


Another thing my Father said to me was; "You'll thank me one day".... He was even right there too (don't you just hate that?)...


What I am really trying to say is, at the end of the day, we are ALL trying to survive.... If you can survive financially, then quite often the rest of it, just all falls into place. You just need to think about what you CAN DO to survive, when you feel like you can't. The options are often endless... I am full of ideas! Give it/Me a try sometime...


You can check out my website at www.spendingmadeeasy.com.au


And remember... "It's not about your Income... It's about the Outcome!"


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