Budgets - find a solution to not having to say NO!

Budgets – Sometimes Having To Say No!

Having a traditional job, is like always having to work to a budget.

Think about it, you earn £X, you subtract your monthly costs of £Y and you’re left with£Z…which is usually quite a small number.

Okay, if you’re reading this, then it must have some sort of resonance to your life…

Now, as a show of hands (and, please feel free to do this wherever you might be, the train, your office, at home cooking…)

Put your hands up if you manage your home finances by working to a budget?

Okay, okay, put them down…. just seeing if you were paying attention. 

Everyone, well certainly most people have to work to some sort of budget and by that I mean the following in terms of real numbers: -

SALARY (MONTHLY INCOME)                    £2,000

COST OF LIVING                                         £1,900

EXPENDIBLE INCOME                                £100


Budgets and income

Is this a pleasurable method of looking at what you earn and what you have left after you’ve paid your bills…?

No, of course it isn’t. Who likes having to say ‘no’ to things? In the past, I never liked to have to save up to buy things, I’ve never enjoyed saying ‘no’ to people if they invited me to a nice restaurant.

How many times have you had, or have overheard the following type of conversation, either with your partner or family/friends: -

“I can’t believe it, I’ve only just been paid, and it’s all gone already… there’s nothing left for me!”

“Yes darling, let’s go on holiday next year, we’ll start saving £75 per month so we can go away next summer with the children.”

“Where does our money go, surely our bank balance can’t be right…?”

The point I’m making is this, whether you earn £500 a month, or £5,000 a month, you’re living to a budget, plain and simple.

You can (or at least should) be spending less than you earn, and whether you’re employed or self-employed, you are governed by what income you generate. Typically people exchange time for money and the vast majority of their income pays for normal monthly expenses, which would include: -

  • Home
  • Family
  • Clothing
  • Car – including insurance, maintenance, fuel
  • Utilities – gas, electricity, water, broadband, telephone etc.
  • Food
  • Entertainment (meal, drinks, cinema etc)


I spent many years in the corporate world, working 50 hours+ per week, for a salary. I’ve certainly had my fair share of moments when I thought, “blimey, only just been paid, spent everything on normal living costs, and I’ve got over 3 weeks until I get paid again!”

I used to use a monthly budget worksheet, to calculate the amount of ‘my‘ money I had at the end of paying my bills… and it never failed to amaze me, that this was always a very small figure and never enough to do all the things I really wanted to do in life.

This type of set up is familiar for a vast majority of people, and for me, it was the most relevant factor which made me want to go looking for something else.

I knew that there was a means of doing something different, which would generate an income, I just didn’t know what… but that’s another story, watch the video and read it at www.jamiewhitemarketing.com

Here’s food for thought, wouldn’t it be something, to not have to conform to what everyone else does… to not work to a budget and to have financial, and certainly time freedom to spend your life how you want to?


P.S.  You don’t have to live to a budget, and your life doesn’t have to be governed by your income.


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Tags: based, business, digital, economy, from, home, make, money, online, work

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