Idea's on the back of an envelope

When you are about to start any job, there is always a cost!

The cost in time, skill or money, it is proportionate to each other. We have little money so must use more time and skill. An open cheque book can buy skill but we must learn, it will also buy time but it will take use longer.

The lack of money needs careful planning, there is no room for a mistake.

So if you need to get ready for Christmas, a birthday, decorating project, or just getting through a week, you need to plan!

My life is found on the backs of envelopes. Idea's, Menu planning, Bill's to be paid, are all there. Not tablets of stone but 'aid memoir'. From job's to do' to 'shopping list's', They help you focus, clarify and prioritise.

But most importantly they allow you to get your order of importance!

That small factor of no money means you have to divide things into 3,

what you want,

what you need,

what you have to have to live.

This last section is the one that MUST by met!

Your reduced circumstances (from whatever reason) means each facet of your life must be ruled by this. Feeding a family, keeping a roof over your head, keeping clothed and warm, then paying debts can feel overwhelming, taking control is the key to getting through.

So for the next step, collect used envelopes and a writing implement.