Make a Wish - Create a Budget

“Do not save what is left after spending but spend what is left after saving.” Warren Buffet

Budgeting is a wish list.

It is an illustration of how you wish to spend your time and money.

It is a measurement to give accountability.

It does not stop worry but it is an empowerment tool.

It is a safe harbour to explore for alternatives before seeking debt.

In addition to Warrens timeless advise, here are a few things we keep in mind when making up our budgets and sticking with it every… Ok, most days.

1. Have a budget which reflects what you want in your future.

The past holds victories and and it holds mistakes. Take that 50% of spending which served you well and is still relevant and then fearlessly adjust the rest.

2. Stop chasing short cuts!

As trainers for sports teams say…you have to put your time in.

Anything worthwhile in your life - your work, your physique, your health, love… It all takes time and energy. It is the essence of life to devote our time and energy to what enriches us and allows us to add our talents to the world. Budgeting & spending is no different.

3. Change restrictive terminology

A new budget is a new beginning. Consider what you do now but also what you want to do.

Instead of saying, “I don’t have money for that,” think to yourself, “I will make money for this instead of that”

4. Budgeting for Replacing Depreciable Items

Depreciables are things we choose to own whose value decline towards zero over their relatively short lifecycle, i.e. vehicles, furniture, clothing, sports equipment, etc. Budgeting for replacing these items helps plan and put relevance to the money we spend on them.

5. Just let go

That thing you are holding onto hardest in your budget may be the thing that needs to be let go of… Your desired spend and save may be higher than your income. Have another look. Find the thing that doesn't serve you anymore and let go of it. Grow… & evolve.

6. Remember the "u" in culture.

It was in my own childhood that expectations were in closer rhythm with nature; my mother was baffled by oranges in August because it was berry and peach season. Larger homes used to be working yards - they grew food, housed animals and multiple generations. More has become simply more. Community is a wonderful, powerful life force but question why and how you do things. You are more powerful than you know.

7. Cheap vs. Frugal

Cheap is about price. Frugality is about value and the reward you seek.

If you still have questions, you can email us directly on

Only us humans answer.


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