How I spent my Friday EveningPosted: May 22, 2012
Do you want to know what I did last Friday evening? I went and hung out with my friend and helped her create a nifty budget and had the most fun doing it. (And yes, I answered the question before you could say “no” but I’m sure you were all going to say “YES”) Seriously, I might have talked in a super fast pitch for a while. And I know that when I was asked if I could stay for a little longer by my guy so he could continue his guy’s night by watching UFC, that I couldn’t text back “YES! BUDGETING FUN” fast enough. And yes, it was all capitalized and everything so he could understand the sheer amount of amazing fun I was having.
My friend just got a brand new job and as she knows that I a) love budgets and b) am working on getting us out debt, she asked me for help. I did warn her that I tend to get over excited about budgets and if I was over stepping, she was more than welcome to bop me on the nose and say “NO” (that’s what I do to my cat). But it turned out really great.
I let her do the work and offered suggestions about things or asked questions to make sure that she had thought of everything. As in, how do they do pet supplies? She worked it out to be a monthly budget and asked me questions about how I did things for our budget. I also mentioned getting an efund set up as a precautionary item—it’s something I wish I had in the past and I’m now working on getting one established. We talked about gift budgets as that time is slowly approaching and how I figured out how much I wanted to put aside each month so that I wouldn’t be scrambling to do this come the holidays.
I also showed her what my budget looks like. That brought up the questions about the different types of funds I currently have. I explained how I did my happy dance (in my head) when I got my car’s brakes repaired and how ecstatic it made me feel to be able to pay for it in cash without worrying about how I was going to be able to pay for it. I also stressed the importance to having balance. In my opinion, a budget needs to be flexible and account for some fun things to do. Otherwise, you are more liable to blow it and think of yourself as a failure (or at least I did). We also talked about how she should maybe start to pay on student loans or at least set the money aside like she was paying them.
As I said, I gave suggestions and didn’t push anything on her. Or at least I don’t think I did—I’m thinking she would have said something. And I really tried hard to rein in most of my enthusiasm. Not all but most!
Have you ever given budgeting advice? I waited to be asked and like I said, didn’t push “this is what I do so you should too” stuff on her because that never worked out for me. And our situations are different so what works for me might not for her or vice versa. Of course, I did let her know I’m no expert 😉