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budget.
blah.
can i be really honest?
HAAAATE the budget.
hate.hate.hate.
i know, you’re supposed to looooove the budget… it gives you freedom, etc. etc.
but, am i being clear enough? me? budget? no likey.
i usually operate under the “if there bank account balance doesn’t say $0, we’re in good shape” philosophy. ok, maybe not that extreme, but i have never been good about “telling” my money where to go in advance. I usually tell it where to go when i’m in the middle of target and must.have.those.shoes. it’s true.
i really wanted this year to be different though.
i’ve had the best of intentions.
i even got quickbooks for christmas.
here’s the problem. i don’t speak $$$.
i make it. i spend it.
i am still so nervous about getting down and dirty with the family budget.
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| owen loooooves money. |
with allora, it’s always been pretty easy. i couldn’t spend more than i had! i have always had a supplies and shipping budget and thanks to the help of my asSIStant (ooh, that was clever!) i now have a strict ad budget and a strict giveaway budget to keep things under control. it only makes sense to be smart when running a cash operation.
recently i opened a savings account for allora handmade, and while at the bank the woman helping me “wanted me to meet her boss.” i knew this was keyword for “let’s-upsell-the-sweet-little-business-owner-while-we-have-her-cornered.” i got a little nervous, because while i am good at many things, i was a little less than confident that i knew everything there was to know about how i was handling my business. as the boss-man sat down to talk to me he asked a series of questions:
are you able to make any profit from this business?
are you able to save some at the end of the month?
are you able to pay your taxes without dipping into personal funds?
are you in need of a line of credit to pay for some of your expenses?
and he went on and on…
by the end, he was shocked. a business? that was profitable? that didn’t require MAJOR investment and could operate cash-only and STILL be able to put some money away?
he left a little tongue-tied.
seems i knew more than i gave myself credit.
and while i don’t know it all (read: SO much to learn), i have figured out a thing or two to make it work for me. (pat on the back.)
but i know i have a long way to go.
what works for you? are you a strict budgeter? what tips do you have for me?
