L To L e Bud­get­ing

CLEO (Malaysia) - - YOUR LIFE, YOUR RULES! -

For­get lament­ing your lack of funds. Start look­ing on the bright side of bud­get­ing. Hint: It’ll help you get to your goals faster (while still grin­ning). Drop the “B” word and most of us can’t help but shud­der. Along­side cel­ery sticks and mis­sion brown house paint, bud­get­ing has got to be one of the most bor­ing ut­ter­ances known to wom­ankind. It’s un­for­tu­nate, then, that bud­get­ing holds the key to all the best things, like four-fig­ure hand­bags, hol­i­days to the Greek Is­lands and own­ing your own apart­ment. So how can we start to see bud­get­ing as a pos­i­tive thing rather than the aw­ful bar­rier be­tween us and hav­ing a re­ally good time? It all comes down to how we frame the idea, says pos­i­tive psy­chol­o­gist Sarah-Jayne Whis­ton from Bright Ideas Psy­chol­ogy ( bright­idea­spsych.com). She com­pares bud­get­ing to ex­er­cise and di­et­ing by ex­plain­ing that if we fo­cus on eat­ing healthily and be­ing ac­tive to make us feel vi­tal, not de­prived, we’re more likely to stick to it. “No­body likes to feel re­stricted,” she ex­plains. “If you’re ‘not al­lowed’ to spend more than a cer­tain amount a week, it sets you up to feel bad. The more we put pres­sure on our­selves to not spend any money, the more likely we are to feel re­stricted and splurge.” So, she sug­gests chang­ing our men­tal­ity to see it as a good thing, and our bank bal­ance will likely swell. We’re lis­ten­ing …

Start now — you’re a mil­lion­aire in

the mak­ing!

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